BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023 I filed a complaint with Consumer Financial Protection Case number : XXXX. After filing the complaint, XXXX XXXXXXXX XXXX retaliate by closing my XXXX account. When I called and required about why my account the representative stated that on XX/XX/2023 that called and told them not to contact them again. Which I did not do nor did I contact them on XX/XX/2023. I asked to speak with manager and when the manager came to the phone, she told me three different stories to why it was closed. She started out with the same lie that I called them and when I asked who they spoke with and the time of the day she changed her story and said they talk with a third party of my home. I asked who the third party was and give me a name she couldn't give one. Then she changed the story again and said it was closed because they had the rights to close account because the way the account handled. I asked her to explain and she would explain to what that mean when I told her I had a letter from XXXX removing all these late fees from the account do the way they handle me and the account. 

This was 100 % retaliation this closed account should not be on my credit report and also paid the account balance in full

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 2021-12-31
Company: Experian Information Solutions Inc.
State: CA
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:
Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " Experian. '' " XXXX '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.

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 2021-08-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made an bill payment using Chase Bank and they confirmed payment was made and withdrawal from my account but seem to always give me problem confirm or verifying the payment or hold the payee or online or debt was paid they should be required to track and prove payment and they do not help me to prove payment was received. XXXX XXXX XXXX have no record of payment but cash the check and they was able to buy my debt of XXXXXXXX XXXX this should be illegal please investigate my request for proof of payment and why there's no payment of listed in XXXX XXXX XXXX XXXX. account of cashing the check for the amount of {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-03-03
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a VolksWagen  XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX Volkswagen XXXX, TX and I was pushed the following extra products. 

1 ) Blue Steel 2 ) Easycare Appearance 3 ) Vehicle Extended Service Agreement My wife and son asked me to agree to it so I did agree on that at that time but within 30 days as per Texas laws, I called back the dealer and requested that these be cancelled. 

Dealer has refused to cancel these add-on optional items. I complained to Volkswagen and VolksWagen Credit but they said it is dealer who is doing this and I have to deal with the dealer. 

Secondly, for the car loan, I signed only 1 paper for availing loan and approving credit check but dealer did three hard inquiries on my credit file without informing that it would be three hard inquiries. I was already told on interest rate when I made the purchase. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VW Credit XXXX XXXX XXXX XXXX XXXX The hard inquries of XXXX XXXX XXXX XXXX XXXX and XXXX ) XXXX XXXX XXXX are fradulent. 

After lot of follow ups, the dealer was finally able to issue a refund check for 3 ) Vehicle Extended Service Agreement. However the service agreement was for {$2300.00} and I was only refunded {$2200.00}. 

Volkawagen Credit and Volkswagen needs to work with their dealers and have stringent terms that let consumers cancel optional items sold by dealers within 30 days, and stop dealers from doing multiple hard inquiries on customer credit file without customer being informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I need help in updating this late payment remarks

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 2023-10-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
**No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.

3. **Exclusions under 15 USC 1681 ( 2 ) ( A ) ( I ) ** : Per 15 USC 1681 ( 2 ) ( A ) ( I ), certain transactions and experiences are excluded from the definition of a consumer report. As such, the following information should not have been included on my credit report : 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 explanation
Consumer complaint received 2019-11-23
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT 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 2023-11-12
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I repeatedly requested information regarding ALL the penalties I would be accessed if I closed my account. 

As of this date CareCredit representatives refuse to provide me with this information.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: IN
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:
I have requested incorrect information to be verified and proof of the verification process 3 times. I have asked for information to be corrected 3 times by certified mail. The information is still incorrect and still comes back verified. This is my final attempt to correct such inaccuracies before I take legal action.

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 2021-12-31
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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:
I received a phone from Portfolio Recovery Associates regarding a debt they said I owed XXXX XXXX they said they account was open XX/XX/2011, the collector also informed me because of the age of the account they could not suit me. I told them I didn't open an account with XXXX  XXXX in XX/XX/2011 and I requested a Validation of debt, I never received anything. Time passed and they call again and again I requested a Validation of debt and I were disputing the charges. They send a statement saying they received electronic records from XXXX XXXX. I disputed the charge with the 3 credit  bureaus and XXXX XXXX XXXX still would not remove this from my reports. I recently send a written requested for Validation of debt. Also they are re-aging this account. I informed them that I was aware of my rights as a consumer, and it was a serious violation to re-age accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 someone had sent me {$410.00} on XXXX through Chase Bank. This person said that they sent it to me accidentally and to send it back which I did immediately. As seen in the screenshots this person requested the money but after it was sent they canceled the request payment because I sent the money back.This person made a claim and reversed this charge so Chase took {$410.00} out of my account. I have tried to contact this person but I have had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: IL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-06-14
Company: Experian Information Solutions Inc.
State: CA
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:
I went to the car dealership to purchase a vehicle and my credit was ran multiple times creating a series of Hard inquiries.

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 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Inaccurate information reporting on my credit report and my dispute is being ignored and have surpass 30 days of the investigation.

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 2019-03-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Originally approved for a modification in XX/XX/2018 and agreed to make the payments although it was returned due to failure of signed agreement which I never received. Was posted for Sheriff Sale twice which I petition to postponed and had to pay XXXX each time. The judge postponed it since I was not given the proper paper work and I am now having to reapply again. I asked to get an interpreter and have the paperwork in XXXX. I never received it. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
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 of privacy and confidentiality under 15U.S.C.1681Section 604 ( a ) Section 2. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
Account Number : XXXX XXXX filed in XXXX, Texas. 
Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX. 
15 U.S.C. 1682 Section-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 2021-12-31
Company: Sezzle Inc.
State: MI
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 have been in contact with Sezzle since XXXX regarding an account being past due on my XXXX credit report. They email me and state the account doesnt match my name so then i send this to transunion they wont fix my credit report even after showing proof. Then sezzle states they cant talk to me this acoount dont belong to me but yet wont correct my credit 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 2023-01-05
Company: Delivery Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have Tried multiple times to dispute this collection since XX/XX/2022. With the credit reporting agencies and the debt collector directly. 

Delivery Financial ServiceXXXX XXXX This company has failed to violate the debt which is a violation of 15 usc 1692g The open date on my consumer report is incorrect. The date of service does not match the open date on my consumer report which violates 15 usc 1692e false representations.

They have failed as a furnisher to provide account level documentation which violates 15 usc 1681s-2b of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Fleet Financial Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received an email from XXXX XXXX regarding an application for vehicle financing which I never applied. I sent a request of specific reasons for denial. They sent a letter dated XX/XX/2018 to send a letter to their Finance Director with  address on letter which I complied. The letter was returned as not unable to deliver. I am concerned as how they obtained my social security number or address. 
I only tried a lender in Texas and then eventually returned to dealership for their assistance to purchase my car at end of lease. I would like to know how this company obtained financial information without permission. Also, is the company fraudulently requesting information? Their inquiry wreck my credit worthiness and cost me a higher loan rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ).

If a company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

Also, XXXX must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form XXXX, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report. 

Companies that mark accounts as charged off take advantage of XXXX forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 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 explanation