BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IN
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 XXXX  Account # XXXX XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RightPath Servicing has claimed to have obtained insurance on my property, policy coverage from XX/XX/XXXX to XX/XX/XXXX. I have NEVER received proof of this insurance policy, of which RightPath Servicing is claiming I am responsible for paying. 
RightPath Servicing had claimed, in their first letter regarding my insurance coverage on the property, that I did NOT HAVE insurance, or they had not received proof of insurance. There was no initial mention of the type of insurance coverage they were insinuating my property did not have. The previous servicer had in their possession, proof of insurance that they should have ( probably did provide ) provided to RightPath Servicing. After months of back and forth over this issue and me sending proof of my current policy, RightPath claimed wall in insurance, which is a slang term, was not listed in my master policy. I asked them to explain walls in insurance as I had never heard of that type of insurance. At NO TIME, until just recently, did RightPath Servicing state XXXX  insurance is what they were requiring. RightPath Servicing engaged in deceptive practice of clouding the issue in order to prevent me from obtaining this fairly inexpensive XXXX insurance. RightPath Servicing is charging an OUTRAGEOUS amount of money for a policy they claim has been purchased but has never provided any proof of its existence. 
In a response letter to my complaint, dated XX/XX/XXXX, RightPath Servicing uses the term XXXX as the insurance coverage they claim to have obtained on my behalf. RightPath Servicing claims to have purchased this insurance as of XX/XX/XXXX and is expecting me to pay for said insurance from that date. Correspondence through the CFPB will clearly show deceptive behavior by RightPath Servicing if their claim is true, that they have purchased insurance on my behalf as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was repossessed by Fifth Third Bank in XX/XX/XXXX. I paid the balance of {$1000.00} which was to cover {$270.00} for the repossession fee, {$270.00} in past due payments, {$200.00} for my XXXX installment payment, and {$90.00} in late fees. I paid the bill in cash to my local branch in XXXX, TN. However, I still received a bill for my XXXX installment loan even though this should have been covered by the {$1000.00} I paid on XX/XX/XXXX. After contacting the loan department and being transferred to three different people who said I had been transferred to the wrong department I learned that the {$1000.00} had been applied to my principal only and not to the late fees and repossession fee as was indicated. I asked them to fix the payment to which I was told I had to call back the next day in order to speak with someone from the collections department who could fix this issue. In addition to this issue I still have never gotten an answer from the bank as to why I have a {$310.00} late fee that shows as a Check Loan Bill on XX/XX/XXXX even though at this point I had never missed a payment. I have been to two branch locations, talked with two managers, one bank representative, and countless people on the phone. None of which have been able to tell me why the Check Loan Bill occurs on my account. It is now 19 days since I was originally told someone would look into this issue and give me a call back and I have received no communication whatsoever about the reason this bill occurs on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2022-11-17
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 in the afternoon I got an email from PayPal of an invoice XXXX for a XXXX subscription. I called the number in the said invoice and I was answered by XXXX XXXX and he said that someone made a credit card under my name in Venmo. He made me go to a XXXXXXXX XXXX XXXXXXXX and I was putting my personal info there such as driver license, address, SSN and debit card info. I did not verify if he was PayPal staff helping me block unauthorized transactions against me. He made download an app XXXX  into my XXXX while we were doing this. He made sent sent some payments and he said it is to block the charges to my card. I have no service nor products needed from XXXX. 

At the end of our conversation, I locked my debit card and credit card as I began to realized that I have given my personal information to someone I did not know personally or trust. 

I then in the morning received a message from from my bank that a transaction from XXXX was made against my debit card and that it was denied. I realized that I was scammed. I canceled my debit card from my bank and also my credit card. I canceled PayPal account too. Venmo sent me a message that they froze my account due to questionable translation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: CA
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:
Equifax Dispute Report Number XXXX XXXXXXXX Equifax Agent identification : XXXX XXXX XXXX ( XXXX ) I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 15 U.S code section 1681i-Procedure in case of disputed Accuracy. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The FRCA prohibits information furnishers from providing information to CRA that they know or have reasonable cause to believe is inaccurate. Section ( a ) ( 1 ) ( a ) anXXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is reporting duplicate account entries. XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
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:
Reporting agencies Experian, XXXX, and XXXX have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello 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 # XXXXXXXX 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 ( Original Creditor XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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 2022-11-17
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection is affecting my credit report, this collection has a amount of $ XXXXand this was opened around XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX Transunion received my request to update my credit report in compliance with what was shared via a letter. I specifically sent a letter with the accounts that were being unwillingly furnished with incorrect information. Transunion is furnishing high balances which is hurting my utilization they are furnishing my information against my will which is an invasion of my privacy. There was nothing to investigate because they are not in compliance of 15 USC 1681 a ( d ) ( 2 ) ( A ) ( I ) which states bureaus can not furnish transactions and experience aka recent and high balances. Transunion has violated that right of mine as a consumer. This is an invasion of my privacy if my limit is {$500.00} and its over they should not report that it is against the law to report the highest amount on an account and furnish it

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 2022-11-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
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've been disputing this account for over a year regarding inaccurate and inconsistencies on my credit report causing my scores to drop. I need to know who currently has this debt.

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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is the second time in as many weeks that I can NOT get access to my credit report, I haven't done anything wrong but to try to access my credit report - FILE NUMBER - XXXX, I need access to my credit report so I can continue to monitor it!!

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 2023-05-29
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:
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 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 explanation
Consumer complaint received 2022-03-30
Company: FlexShopper, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I bought tires using flexshopper, I had a house fire XX/XX/XXXX and have been having to live in a hotel waiting on home repairs. I told flexshopper that with the added cost of living in a hotel i could not keep up my payments but when i got back in my house and back on my feet i would get the payments back on track. They told me they would repo my tires and report negatively to all three credit agency 's. They call 5 to 6 times a day, every day. For example XX/XX/XXXX they called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. J have asked them to stop and i would contact them when i could start paying again. They call so much I have XXXX XXXX every time my phone rings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
THIS CAR PAYMENT WAS ALWAYS MADE ON TIME, HYUNDAI FRAUDULENTLY TOOK THE CAR OUT OF MY NAME AND CHARGED OFF MY LOAN WHEN EVERY PAYMENT WAS MADE ON TIME. THIS IS IDENTITY THEFT. AND THS COMPANY DID NOT GIVE ANY DISCLOSURES AND IS IN VIOLATION OF THE GRAMM LEACH BLILEY ACT SEE ATTACHMENT

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 2022-11-17
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted ; XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great.

importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively.

As a first step, I would appreciate it if you could provide me with details.

information pertaining to the alleged accounts, including any associated.

transactions, applications, or account activities. It is crucial that I review this.

information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding.

the steps being taken to address this issue.

Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security.

measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity.

I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am.

confident that you will manage this matter with the utmost attention it deserves.

Should you require any further documentation or information from me, please do not.

hesitate to contact me at the phone number or email address provided above.

Thank you for your immediate attention to this matter. I eagerly await your response.

and a resolution to this concerning issue. 

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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was laid off on XX/XX/XXXX, and my employer issued me two final paychecks. To my dismay, Chase Bank, without any notice, closed my account and placed a hold on these checks ( amt {$6200.00} ). 
Upon discovering the missing amount in the final check, I contacted Chase Bank to inquire about the issue. I learned that they needed to verify a few things with my employer. They requested a verified number for my employer. Despite providing them with my company 's number ( XXXX ), they claimed it was not verified, even though it is a verified number and related to XXXX XXXX, my former employer. 
To further support my case, my company provided a letter signed by our CFO, confirming the validity of the checks and their good standing with me ( see attached letter and refer to checks # XXXX and # XXXX ). I submitted this letter to the branch manager during my visit on XX/XX/, but unfortunately, I received no response. Subsequent attempts to communicate through emails, phone calls, and voicemails have also gone unanswered. Furthermore, my company attempted to recall the funds, but Chase Bank has not released the money to them either. 
This situation has caused me significant financial losses and immense stress, considering it has been more than two months since I was laid off, and I still haven't received my rightful payment. I kindly request your urgent intervention to resolve this matter promptly. Your assistance in releasing the held funds and providing a swift resolution to this issue would be greatly appreciated.

Company response to consumer: Closed with explanation