BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Started A Investigation Through XXXX XXXXXXXX And Was Not Notified Of Completed Investigation And Was Told By A Transunion Representative that the investigation is still on going and that was at the thirty day mark now its 60 days in and still no update

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX mortgage company is claiming " no payment received '' for XXXX 2021. I made the payment electronically through XXXX Bank, and have provided them copies of the payment receipt, provided them with the electronic payment number, and also emailed a copy of my monthly bank statement showing payment deducted.. 
I have been actively disputing this since XXXX, and have been charged late fees, penalties and never credited the payment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Maximus Education, LLC dba Aidvantage
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I reported fraudulent activity on my chase account to a chase support specialist. I explained there were 3 pending XXXX charges that same day. A {$1000.00}, {$100.00}, {$870.00} to two individuals I have no knowledge of whom they are or who authorized the charges. I was told by a chase specialist they were going to look into my account activity. I was just told due to the charges being authorized on their system there was nothing else they could do and I would not receive any money back. I felt I was not being treated fairly and received no help whatsoever. I have been with Chase for years and Ive been using XXXX for a consecutive year and never came across this issue. Its incredibly terrible how I have to put my money in a bank and feel my money is not in good hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraud somebody used my identity and now I have 4 inquirys on my report I didnt make. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Loqbox US Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Loqbox Finance LLC XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Mortgage Research Center, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of credit info without written communication

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXX XXXX accounts that reporting false and misleading Information Lvnv funding llc accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through https : XXXX XXXX and they are not licensed in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: JPMORGAN CHASE & CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a XXXX and the loan is financed through Chase. I went to enroll my online account and it had incorrect information for my email and cell phone so I could not authenticate online. I called Chase a few days later and they stated they had updated my information ( email and phone ). I tried to pay my bill and I get an error message on the website, I tried for a week to get the website to work, and kept getting the same error message. I called Chase, they said they don't know what the issue is, but she said she reset my account and had me try to login on two different computers, but it did not work. She transferred me to another agent who stated the website was down and try again in XXXX hours. I attempted to login again and have the same message. I called Chase again, they transferred me to the auto loan department that was closed. I called back, and they again transferred me to a closed auto loan team. We had asked to pay over the phone before the transfer and the agent did not offer to process the payment before the transfer. 

This was on the due date of the loan XX/XX/2022. I had tried for weeks to get everything setup and could not do so. I attempted to login again today and have the same error message. I was able to get to the auto loan XXXX and setup a payment, that is 1 day late at this point. The website still does not work. The agents are still attempting to authenticate me using the outdated data for my phone and email. I don't want this to show as a past due on my account or credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was having garnishment taken out of my check, had to pay off balance of {$1000.00} at Closing of buying our house on XXXX. 

Resurgent Capital Services Acct # -- -- -- -- -- -- XXXX Original Creditor XXXX XXXX XXXX  Current Owner XXXX XXXX XXXX  Current Servicer Resurgent Capital Ref ID XXXX Judgement case # XXXX I am STILL having garnishments taken out of my check! Myself and Kroger Payroll, XXXX XXXX have made MANY attempts to get a Release of Judgement sent to XXXX Payroll to Stop this garnishment! 
XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX XXXX has given us the runaround and now we are being told she no longer works there and we cant receive help from Anyone! We've been attempting to resolve this for 2.5 months and at our wits end as XXXX can not Stop garnishment until she is given Release of Judgement and Then I will need to be reimbursed {$230.00} as of XX/XX/18 This debt was Paid to purchase our House and Case closed XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Receivables Performance Management, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a collections account on my credit report that is invalid for XXXX XXXX but is being held by a company called Receivables Performance Management. The account was paid and closed in XX/XX/XXXX directly to XXXX XXXX. XXXX XXXX sold the invalid debt to a collection agency in XX/XX/XXXX. They tried to send it to my credit report after is was paid but I filed a dispute right away and it was removed from my report. Then in XX/XX/XXXX the wrongful debt was somehow resold and reentered on my credit report in XX/XX/XXXX. I did not realize it was there until XX/XX/XXXX. I called the collection agency and disputed it that day and they said the would contact XXXX XXXX to verify I had no balance and then they would delete it and if they decided the debt was valid they would get back to me within 14 days. I heard nothing and received no calls or emails regarding this account and it still appeared on 2 of my 3 reports. So I called again today, XX/XX/XXXX and they said I needed to submit documentation that I had a {$0.00} balance through email, so I did and then I got a representative from XXXX XXXX to call them directly and the collections company gave them some line about the debt was valid because it was just pain in XX/XX/XXXX but it wasn't. It was paid in XX/XX/XXXX. They just submitted a dispute in XX/XX/XXXX. They are not only unlawfully selling dept but they are also claiming they don't have to remove a falsely reported debt because it was paid which means its valid. It was never valid at anytime since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: General Motors Financial Company, Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 the company AMERICREDIT ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: SLM CORPORATION
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sallie Mae keeps calling me about a debt owed by XXXX XXXX. I have called them on several occasions and asked them to remove my number and they keep calling me. 
I called them on the following dates to ask them to remove my number : XXXX XXXX XXXX XXXX XXXX XXXX There were some other times before XXXX. 
I need them to stop calling me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under.

XXXX : XXXX XXXX has violated my rights.

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these accounts from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I was was in an apartment at XXXX XXXX and it flooded and was asked to vacate the premises due to the repairs being made. I asked for a termination of the lease agreement with no penalties or fees. I was advised to sublease the unit. I was unable to sublease it as the unit was under repairs and could not be subleased. Due to the repairs I was not able to stay at the unit nor sublease. As such rent should not have been charged. Moreover, I incurred damages in the amount of {$5500.00} due to the flood in the apartment. The leasing office changed the renter 's insurance policy two weeks before the flood and failed to notify. The new policy did not cover any flood damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. Im a Proud American and qualified Consumer. I am being discriminated against by Portfolio Recovery Associates by them claiming that my Estate owes an alleged debt while there violating my fundamental right to privacy. I was unaware that Portfolio Recovery Associates was lawfully and legally able to purchase my personal information and use my information without my permission and or written consent. I was also devastated to find out that the alleged debt Portfolio Recovery Claims is my personal debt along with my personal information was sold to them by XXXX XXXX. I never agreed to that. After realizing that Portfolio Recovery Associates was unethical, I decided to look into their license to collect debt in California. Portfolio Recovery Associates is NOT licensed to collect debt in the State of California. My Estate has suffered irreconcilable hurt from Portfolio Recovery Associates because I can not obtain goods for my personal, family, and household benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When looking at my credit report on XX/XX/XXXX XXXX XXXX updated an unknown account on my Transunion Credit report. I have no knowledge of this account and I disputed it with the Credit agency as well as the creditor. This is not my account and it shows up as an unknown account on my transunion credit report. I would like this account removed ASAP as it is not accurate and not my account. According to information on my credit report it says that it has been closed since XXXX so why would there be an update in XX/XX/XXXX? This is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation