BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 confidentially under USC 1681. 

Acct XXXX XXXXXXXX # XXXX, Acct XXXX XXXX # XXXX, Acct XXXX XXXX # XXXX, Acct US DEPT ED # XXXX, Acct XXXX XXXX XXXX # XXXX, Acct XXXX XXXX XXXX  # XXXX, 15U.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. 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 non-monetary relief
Consumer complaint received 2021-10-04
Company: A.R.M. Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX uses door to door sales tactics. On or about XX/XX/2021, a sales person came to my home to sell pest solutions. as part of the conversation, I asked if XXXX was licensed/permitted to solicit in XXXX XXXX XXXX Illinois, where I live. I was told they did hold a permit. I agreed to try the service, which was completed that day. I later contacted the XXXX of XXXX XXXX administrative office to find out not only did XXXX not have a solicitation permit, they did not even bother to apply. The representative stated that any company wishing to perform door to door solicitation must obtain a permit for each agent of the company that will be doing the solicitation. 

I contacted XXXX on XX/XX/2021 telling them to cancel my services in reply to an email they sent with an invoice. I later called their offices, canceling my services since I did not hear back from my XX/XX/XXXX email request to cancel. 

I then received text messages on XX/XX/2021 and XX/XX/2021 requesting that I contact their financial services office. I replied back to both texts that I did not owe any money as they lied to me in order to get me to agree to a service. 

I received emails on XX/XX/2021, XX/XX/2021 and XX/XX/2021 trying to collect a balance on the account. I responded on XX/XX/2021 that I would require verification of their solicitation permit before I would pay anything. No response. On XX/XX/2021, I replied to both the text message and the email that I would not pay them anything and to stop contacting me. 

They also have tried to call me on several occasions but I have not talked to anyone since I canceled the service. 

I then received a debt collection letter dated XX/XX/2021 from A.R.M. Solutions, Inc. attempting to collect a debt for XXXX. 

I just sent back a letter to XXXX explaining the illegal business practices and their repeated attempts to collect a debt not owed even after I told them to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX Transunion.com and XXXXXXXX my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports

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 2023-02-15
Company: Convergent Resources, Inc.
State: WA
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:
Closed XXXX  account in XXXX. Paid last bill that was posted ( supposedly my last due ) got turned over to creditor Convergence Outsourcing- received no notices via mail, email or phone. Found account on credit report which I called and paid by settlement in XXXX XXXX with the caveat that if I did so it wont show up on my credit ( compained about above ) was told it wouldn't. Now its showing up on my credit as if I had just paid it in XXXX of XXXX. I want it completely removed from my credit report as I have disputed it with XXXX and XXXX with no change made.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
This is due to drop off in XX/XX/2024. I called JPMCB CARD to request that they reach out to the credit bureaus and have the XXXX, XXXX, and XXXX delinquency removed sooner. They informed me that they had no way of doing that. They allow the creditors to determine when it's released. XXXX has not been very cooperative or helpful when the agency has been. Please assist me in getting this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 non-monetary relief
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear Sir/Madam, I am writing this letter to register a complaint against Chase on behalf of myself for the fraudulent charges that were made on my Chase account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been a victim of identity theft at the hands of Mr. XXXX, and I am currently attempting to correct this issue. 

I was in the hospital in Maine when Mr. XXXX used my Chase account to make the fraudulent charges. Enclosed with this letter are copies of my My Chart records, which clearly show my medical treatment and hospital stays in Maine during the time period my Chase account was used without my knowledge or permission. I also have attached a copy of the XX/XX/XXXX XXXX XXXX Police Department XXXX Report, which states that the charges made on my account were indeed fraudulently made. 

I request that Chase immediately remove the charges that were made on XX/XX/XXXX for {$3400.00} and on XX/XX/XXXX for {$7500.00}. Furthermore, I ask that Chase correct any information that was provided to credit reporting agencies based on these charges. I hope that this matter will be resolved quickly and that I will not have to take any legal action. 

Should you have any questions or require any further information, please do not hesitate to contact me at the address mentioned above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Snow and Sauerteig LLP
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was a patient at XXXX XXXX of Indiana over two years and was diagnosed with XXXX  XXXX XXXX  which means XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Apparently, I was asked to sign something that I consented to be classified as a patient under observation. I don't remember signing this form. Later I found when looking at billing statements that I had indeed been classified as under observation and had not been admitted to the hospital. Even though I was in a hospital room for over 24 hours After I researched this I found that the hospital can charge three times the amount that I would have paid if I was simply admitted to the hospital. I would have never agreed to this but the hospital took advantage of my situation and had me sign something when my husband was not in my hospital room. 

Since my insurance company has already paid over {$16000.00} for my stay I don't believe I should be charged {$3100.00}, I dispute this bill for obvious reasons that I signed something which I never would have signed if XXXX XXXX XXXX XXXX XXXX XXXX, I dispute this entire amount and my next step will be to contact my insurance and file a claim stating that this is a case of insurance fraud as committed by the hospital. The bill is now in the possession of an aggressive and unscrupulous debt collector who will file a judgment against me, ruining my credit and will not give me time to pay anything I owe. They will also garnish my wages over a bill that I do not owe. I request that all collection cease and the bill be rescinded by the hospital with an explanation to my insurance company about overcharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Lima One Capital, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Lender/ Serving Department of loan is not providing mortgage statements since XX/XX/2021 and their representative is constantly giving incorrect information. After emailing more than 20 times and trying to call over the last 3 months I am still getting nowhere with the lender.

1. My payment for XXXX and XX/XX/2021 is showing no payment due in the lender system. 
2. I can not access my XX/XX/2021 and XX/XX/2021 mortgage statements. 
3. I reached out to the lender to get information about my loan balance for no additional information was provided other than showing in the system. 
4. On XX/XX/2021, I received an email from the lender that I have no payment due for XXXX. 
5. On XX/XX/XXXX I received an email from the lender stating my first payment was due XX/XX/XXXX from the same representative. 
6. No-One is calling me back or the lender repentative declined to connect to their manager or supervisor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Green & Sons Agency, Inc.
State: TX
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 received a letter from Outsource Receivable Management. I received it via regular USPS mail ; it is not certified. The letter is dated XX/XX/XXXX. In the letter it demands in full payment of {$850.00}. It alleges this is a debt from XXXX XXXX  XXXX XXXX. On XX/XX/XXXX I telephoned XXXX XXXX XXXX XXXX and provided them with my personal information ; I also told them I received a collection letter from Outsource Receivable Management demanding payment for a debt. XXXX XXXX XXXX XXXX could not find an account using my information ; nor could they locate any monies owed. They directed me to call Outsource Receivable Management, which I did on Monday XX/XX/XXXX at XXXX CT. 

I spoke with a gentleman and told him the aforementioned facts. I conveyed that I dispute the validity of the debt on the grounds that 1. XXXX XXXX XXXX XXXX can not locate any such account or debt owed in my name. 2. That I never received proper notice from Outsource Receivables Management. The gentleman then stated that in XXXX of XXXX, a notice was first sent ; He alleged that this alone constitutes that I owe a debt to XXXX XXXX XXXX XXXX. This is false and in violation of FCRA. 

I asked Outsource Receivables Management to provide me with a statement from the bank ; with my account information and my name to prove this account not only exists but that I am the owner of it. Because as I have stated XXXX XXXX XXXX XXXX  has no information about such account. The representative for Outsource Receivables Management said that he can only resend the original demand for payment from XXXX. 

This is all in violation of the FCRA. 1. The alleged first notice sent in XX/XX/XXXX was never received by me ; moreover, it was not sent via certified mail. Therefore, notice is ineffective. 2. Outsource Receivables Management has not and can not provide me with information they received from the Bank that actually ties me to the account ; nor can they prove that I even had an account with the bank or owed the bank money. 3. This was verified in a phone call with XXXX XXXX XXXX XXXX collection department today XX/XX/XXXX. 

As such, absent being able to provide me with bank statements with my personal information and showing a debt owed, Outsource Receivables Management has violated the FCRA and as such should withdraw the request for payment and send this account back to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCA
Last reported XXXX XXXX XXXX
XXXXXXXX
Open balance
XXXX XXXX XXXX
Original creditor XXXX  Opened
Account status
Type
Responsibility
Remarks
Original creditor name
XXXX XXXX XXXX (XXXX XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or around XX/XX/XXXX I received a notarized letter from a representative of capital one stating that Capital one had no open lien on my vehicle. I called capital one and was told that a mistake was made and I had been paying on a different vin number than my XXXX XXXX. I asked for clarification. They said that they accidentally put the wrong vin on my documents and that I was paying on the wrong account. They then went back and retroactively edited my payment history and changed the account numbers. I feel that this is absurd. That they shouldnt be able to go back and edit an agreement that was made. Im very upset and confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/XXXX, I activated a new Direct Express card to receive my Social Security benefits. The next day, I found out that I was unable to pay bills with it. Ironically, all money is still there. I have called Direct Express and was put on hold for half an hour. After that, I decided to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: LA
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:
Hi my name is XXXX XXXX and I recently reached out to XXXX and Equifax to remove some Unauthorized inquiries. I hadn't checked my credit report in months and was shocked to see so many unauthorized inquiries. I suspect a family member may be behind this. 

Attached below are copies of my identification documents and identity theft reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NY
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 confidentially under USC 1681. 

Acct XXXX XXXXXXXX # XXXX, Acct XXXXXXXX XXXX # XXXX, Acct XXXX XXXX # XXXX, Acct US DEPT ED # XXXX, Acct XXXX XXXX XXXX # XXXX, Acct XXXX XXXX XXXX # XXXX, 15U.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. 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this 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 non-monetary relief