BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MI
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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2022-08-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 -- a XXXX XXXX buyer was offering to pay upfront {$1200.00} for a road bike I am trying to sell. The potential buyer stated she was sending {$1200.00}, but received an email ( which I received the same email from " XXXX '' ) stating that I don't have a " Business '' account with XXXX, which allows me to send/receive higher amounts of funds, since it states my account has a " limit. '' As a result, an extra {$400.00} was needed to increase my limit. The buyer stated she felt comfortable sending the extra {$400.00}, as long as I was willing to immediately refund that amount back. The buyer made it seem like she was anxious about trusting me, and repeatedly attempted building report and a sense of empathy on my side, by stating the funds she sent couldn't be reversed and was being held by XXXX, until I refunded the amount. At this points, there were no funds at all in my checking account via XXXX. The potential buyer repeatedly harrassed me with multiple calls out of a " sense of urgency '' to help with the " refund, '' in order to get her {$400.00} back and also to help push through the funds that were supposedly being held by XXXX. Fast forward, when I attempted to send the {$400.00} with XXXX via Navy Federal Credit Union ( personal bank ), it was placed on a hold. I had to call my bank to release the hold, which I did. Then, immediately I asked a question regarding XXXX limits, but at that point, it was too late and there was nothing NFCU could do to help me retrieve/replace the lost funds/cash. I tried to reach out to the buyer, and she acted as if I needed to email proof of the conversation to XXXX. She tried to tell me multiple times to " trust me. '' At which point, I was just being led down a hopeless path. Afterwards, no further messages were sent via XXXX  XXXX  bugging me to help get her funds ( i.e {$1200.00} back ). I haven't experienced this level of fraud with multiple communications. The previous attempt at fraud ( via XXXX  ) was stopped in it's tracks, thanks to NFCU ( in-person ), involved a cashier 's check for another product I was selling on XXXX. Anyways, it's {$400.00} that I can't get back, and it saddens me that people would attempt to swindle others especially during these type of financial times. To help others, the person 's names is XXXX XXXX, email XXXX, nickname " lumpkins '' ; " XXXX '' is the XXXX name attached to the account. XXXX  user name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit acceptance has giving my information to a credit bureau that I dont give premossion to do So and there harassing me. And the car has been stolen in 2020 I no longer has access to the car.

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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/21 I submitted an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 a block of this information was supposed to take place. There has still been no block. After looking over my consumer report I also realized that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. The FCRA is the federal law. My consumer rights have been compromised. I am suffering from my rights being violated as well. I'm trying to refinance a vehicle!

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 2022-04-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 I submitted to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  that I had paid my bills for XXXX XXXX MD directly to his billing office at UT XXXX XXXX Texas. I submitted letters of proof, including letters from UT XXXX XXXX XXXX XXXX. 

Now, XXXX XXXX has sent me a letter from CommonWealth Financial Systems asking for me to pay them when this debt was paid in full and cleared with a final balance of {$1.00} on XX/XX/2020 and I submitted their proof back on XX/XX/2020. 

I need for this fraud to stop as this debt has been paid and they keep placing this debt on my credit report I have had to have this debt removed three times to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Self Financial Inc.
State: OH
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}

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 2020-09-09
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no recollection of this debt. They used to be LVNV Funding but I guess they went through bankruptcy, so I don't know if I would still owe a debt. now the company name is Resurgent Capital Services and there is no option to make a payment, no account number listed, and no amount of debt listed that I owe. All that is listed in my email. I would like to get this debt account removed from my credit file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MS
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have new and updated information regarding case number XXXX with Goldman Sachs Bank . On XX/XX/XXXX, a validation of debt letter and cease & desist letter was delivered to Goldman Sachs Bank regarding an alleged debt, that they have fraudulently been attempting to collect. After ten days following the delivery of both of these letters, the company, Goldman Sachs failed to validate the debt by not sending any of the requested documentation I asked for in the letter. Not only was this after the ten day period I gave them, but they have yet to comply to my request to validate the debt. Following the delivery of the cease and desist letter, Goldman Sachs has failed to comply my request by harassing me on numerous accounts in connection with attempting to collect this debt. This company has called me, on my days of ritual and in the middle of my workday. Instead of validating the debt, this company has only sent me a paper statement fraudulently attempting to collect on this debt. On XX/XX/XXXX, my list of facts and statements of truth were sent in an affidavit of truth, consisting of several exhibits as clear proof for my case. On XX/XX/XXXX, a full bill of particulars was also delivered in demand of remedy for all violations of my consumer rights that Goldman Sachs Bank has made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a Business Checking Account with Chase Bank. I changed the name of my business with the Texas Secretary of State. Chase was unable to process the name change after 2 in-person meetings and closed my account and issued a check in the old business name that no longer exists. Below is the timeline of events, I am still trying to recover the missing funds : XX/XX/2023 at XXXX XXXX PT : In-person meeting at XXXX XXXX , XXXX XXXX XXXX , XXXX, CA. I provided certificate of amendment for name change. Name was successfully updated on online accounts. I am told name change is complete. 

XX/XX/2023 : I receive automated e-mail " Contact us by XX/XX/2023, to keep your account ( s ) open ''. Chase does not seem to have fully processed the name change from our previous meeting. 

XX/XX/2023 at XXXX XXXX CT : In-person meeting at XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, TX. I provided the amendment documents for a 2nd time. I was told the new business name had successfully been updated. 

XX/XX/2023 : I receive a check in the mail and notice that my account has been automatically closed. Check is issued in the old business name and I can't deposit it ( since the entity no longer exists ). 

XX/XX/2023 : I meet with Branch Manager to try and resolve the issue with my account and the check that can't be deposited since it is issued in old business name. After spending 1-hour in the branch with no progress, I inform them I would like to close accounts and request for a new check to be issued in the correct business name or my personal name. Branch Manager promises me check will be issued. I have an e-mail documenting this. 

XX/XX/2023 : I still have not received funds. I e-mail the Branch Manager asking for update. 

XX/XX/2023 : I contact Branch Complaint Escalation Group Re : internal Case Number XXXX. 

XX/XX/2023 : I e-mail Branch Manager again, and I receive a response from Branch Manager saying they are " working diligently to get this taken care of. '' I am promised an update on XX/XX/2023. 

XX/XX/2023 : No update. 

XX/XX/2023 : I drive to branch to attempt to speak with Branch Manager in person. I am told she is busy. At XXXX XXXX I receive an e-mail from Branch Manager requesting name change amendment documents ( for the 4th time ). I submit via e-mail. 

XX/XX/2023. I am still missing funds from liquidated account and file complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: TX
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

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 2023-05-04
Company: EMCC Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 my credit report was pulled and I noticed there was an unfamiliar account on my report card Equiant Financial Services. I called and spoke with XXXX. She informed me the the company I previously was with sold the company and that I needed to pay the charge off balance in full. According to my credit report the account is reporting open with just a past due amount of {$1500.00}. XXXX XXXX continued to tell me that {$1500.00} was not the amount she can accept in fact it was over {$9000.00} that I had to pay. She then placed me on a long hold and returned with another $ $ $ $ dollar amount for me to pay. I kindly declined to pay any amount as I was not sure if I owed the amounts given. Based on the credit report there are a lot of inconsistencies with the amount of payments past due and the joint account

Company response to consumer: Closed with explanation