BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with 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 XXXXXXXX. Account name : XXXX XXXX ( XXXX ) XXXX ( TransUnion ) XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : National Credit XXXX. Account name : XXXX XXXX. Account name : XXXX XXXX. 

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 an 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 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It was XXXX XXXX 2023 that I was scammed with the " XXXXXXXX XXXX '', where the scammer claimed to be hearing impaired and could only communicate through text. The scammer wanted artistic services and hired me. She sent me various checks with high amounts that we didn't agree upon and when I took the right one to deposit, it bounced and the bank is sending it back to me. The scammer tells me to send them half the money back because the project was cancelled and they needed the money immediately. I didn't know it was scam until it was too late. I had sent {$3000.00} to the scammer via XXXX through a relative 's account between the dates of XXXX XXXX because I didn't have the money to pay.

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 2022-04-12
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:
In accordance with the Fair Credit Reporting act XXXX ( I BELIEVE KNOWN AS XXXX XXXX XXXX ) Account # UNKNOWN has violated my rights. I don't know who XXXX is. I have never signed any agreement or contract with them. 

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 an account without my written instructions They have violated my HIPPA rights as well. This is financial discrimination and XXXX inequities. They have violated my Equal Credit Opportunity Act- This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Opportunity Fund
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:
XXXX OPPORTUNITY FUND HAS PLACED A XXXX LOAN ON MY PERSONAL CONSUMER REPORTS WITH THE CREDIT BUREAUS.THE COMPANY THAT RECEIVED THE LOAN HAS SINCE CLOSED AND GONE OUT OF BUSINESS DUE TO LACK OF BUSINESS FROM COVID 19 AND DISTRESSED ECONOMY. I DISPUTED THIS WITH THE CREDIT BUREAUS TO NO AVAIL THEY TO REPORT AND THE COMPANY XXXX CONTINUES TO REPORT FLASE DATA TO THE CREDIT BUREAUS. THEY COMPANY THE LOAN WAS OFFERED TO WAS AN XXXX REGISTERED WITH THE STATE OF GEORGIA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a dispute to XXXX twice requesting that they change the status of my exeter finance account due to the fact that I received a loan payment extension for the two months that show past due which are XXXX XXXX  and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that XXXX  did not contact exeter to verify the information and the status of the account. I also contacted exeter about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to XXXX for them to update my account but they refuse to do it. 

All I want is for the exeter finance account to be updated to show that there are no late payments and the account is current as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I learned there was a outstanding collection on my credit score report that I was absolutely not known of. I checked my credit card report at XX/XX/2019 and I contacted bank to explained the situation. At first they mentioned they was trying to help me with involving their fraud department. My call was being transferred for 3 person and they told me there is nothing they can do about it. Suggest me contact collection agency directly. I stopped follow because that was never my charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear JPMorgan Chase, I, XXXX XXXX XXXX, the consumer and natural person, was bank relationship and closure by JPMorgan Chase when I applied payment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k.

You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by JPMorgan Chase due to the response I received.

JPMorgan Chase is in violation of 15 U.S. Code 1642, 15 U.S. Code 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued and the accounts were closed.

Furthermore, because my social security number ( credit card ) pursuant to 15 U.S. Code 1602 ( i ) was used and I received NO benefit ; this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of JPMorgan Chase.

If JPMorgan Chase fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make JPMorgan Chase, criminally and civilly liable for all actual damages pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. I will also follow up with an invoice for said violations. 

I am XXXX years old and a single dad to a XXXX-year-old XXXXXXXX XXXX I own numerous different XXXX XXXX XXXX XXXX and combined the assets are in excess of XXXX XXXX dollars and eventually have a XXXX XXXX relationship. I write this letter in hopes of joining J.P. Morgan XXXX Banking where the minimum requirements are assets of XXXX XXXX. 

Thank you, XXXX : XXXX XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a dispute to XXXX twice requesting that they change the status of my XXXX XXXX  account due to the fact that I received a loan payment extension for the two months that show past due which are XX/XX/XXXX and XX/XX/XXXX. I received a dispute update on XX/XX/XXXX that showed that XXXX  did not contact XXXX to verify the information and the status of the account. I also contacted XXXX about the issue and was told to dispute the information with credit bureau. I submitted the proof of payment extension to XXXX for them to update my account but they refuse to do it. 

All I want is for the XXXX XXXX  account to be updated to show that there are no late payments and the account is current as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX my sister called to inform me that she was contacted by a debt collector on my behalf. After calling the number provided i was informed by a woman named XXXX XXXX that i was to be sued for a negligent account from wells fargo from XXXX. If i were to pay now, a sum of {$1300.00} over payments of {$200.00} a month, i could settle the case and not be prosecuted legally. I signed a form they submitted me via docusign. 

I agreed to sign the paper. I now suspect i was lied to. I submitted the document with my signature and provided my debit card information to be charged monthly until the debt is resolved. I have so far paid {$250.00} to this " debt collector '' but now suspect i am being scammed. After doing some research into the company, i am now confident in making this report and identifying these collectors as criminals. The letter head of the document reads : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ca XXXX XXXX I will be calling this " XXXX XXXX '' at XXXX XXXX XXXX  XXXX to inform them of my filed complaint.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: CO
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've been very carefull since I filed chapter XXXX. I even bought and paid off a car and my score kept going up an up and it should. In Experians site itself it told me to increase my score by adding another credit card a XXXX XXXX  card that Experian itself recommended I get again this was within their site while logged into my account. So I applied was turned down then they lowered my score by 33 points NOT for being late paying anything but for following their directions. Why am I being punished so severely when during a pandemic I not only was never late on any card or loan but managed to pay off a car loan ahead of time and I get my score lowered??????

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 2023-02-17
Company: U.S. BANCORP
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard credit check from US Bank on my credit report from XX/XX/23 that I did not authorize. It has impacted my credit score and I would like it removed from my report.

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 2022-04-12
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX ( Synchrony credit ) has the incorrect amount owed on my credit report. The last bill received states balance due {$300.00} ( see attached ). However, on the credit report is reads : {$400.00}. Therefore, this account should be removed from all credit reporting agencies.

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 2023-12-14
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: Resurgent Capital Services L.P.
State: DC
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:
Dear Sir/Madam, I am writing this complaint to address an alleged credit card debt collection associated with my name and account number mentioned above. I believe it's crucial to clarify the legality of this collection process. 

Credit card debts are not negotiable instruments and can not be sold or transferred as such. The sale of this debt as pursued by LVNV Funding raises legal concerns about its validity.

I kindly request that you provide sufficient documentary evidence demonstrating my legal obligation to pay this debt. If such evidence can not be produced and LVNV Funding continues its collection efforts, I want to make it clear that I will not hesitate to initiate litigation for the actual damages caused. Furthermore, LVNV Funding may be held liable for violations of the Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Act ( CFPA ), the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, Federal Trade Commission Act ( FTC Act ), and the Racketeer Influenced and Corrupt Organizations ( RICO ) Act.

I request the following information within 14 days : 1. A detailed breakdown of the alleged debt, including its origin and supporting documents.

2. Proof of the legal transfer of this debt and ownership for collection.

3. A copy of the agreement or contract related to this debt.

Failure to provide this information within the specified timeframe of 14 days will lead me to escalate the matter to regulatory authorities and seek legal counsel. 

I anticipate your swift attention to this matter to ensure its lawful resolution. 

Sincerely, Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: P.S.C., Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/23 the amount owed to " Puget Sound Collections Inc '' is a total of {$3300.00} after interest. However, I never received any type of notice from the original biller that I had a bill that was owed, nor from the collection agency. I had medical coverage at the time of service, XXXX, in fact. I have proof of coverage. Had I actually received notice in a timely manner ( within 2 years from DOS ), I could of had this resolved with the original biller by providing proof of coverage. 

This is the most recent information on this collection due a recent dispute filed with the three credit bureaus.

I will continue to dispute this as I am not responsible for it, this would have, absolutely been paid and taken care of had the original biller and the collections agency done proper due diligence in reaching me to get this taken care of. I have proof that the hospital bills were paid, which is the same time that these collections are showing for DOS.

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 2020-03-28
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was rushed into a loan of {$1200.00} that has fees and interest adding up to a payback amount of {$6300.00}, Interest is charged daily with payments of {$150.00} weekly taken directly out of MY bank account. I was not able to access the terms because an old email address was used for the loan which was offered in a text as emergency funds to help with the coronavirus pandemic currently occurring. The only way to gain access to the loan terms was to create an online account with this old email. No texts, no emails were sent with loan terms, payment information or that my bank account would be used to directly deduct weekly payments totally {$6300.00}. I did not know any of this until the first week payment was taken out of my bank account. I will not have enough funds to cover the weekly payment in two weeks time. The loan was offered to me as emergency shelter in place funds during the Coronavirus Pandemic that is currently going on. They know I am not allowed to work, I need the money for food and shelter but I am only using the money to pay the interest and fees that has turned a {$1200.00} loan to {$6300.00} loan! This emergency loan has not helped but made a life threatening situation worse with the added stress of having to find the funds to pay back the loan instead of for food, shelter, heat, and basic life expenses. As I starve to death, please enjoy your blood tainted interest payments! I thought I would have months to pay back not weeks, 41 weekly payments of {$150.00}. There is NO way for me to pay this back without working and without being allowed to leave my home but you are welcome to have a pound of my dead rotting flesh. I was not told the terms, I could not access the terms until I called and got a rude operator who was not helpful I had to piece it together myself, I would like this to stop this from happening to other people. If I do contract the virus and die, these are the vultures that have dug my grave and someday you WILL ANSWER TO GOD!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I depoisted a check into my XXXX XXXX XXXXXXXX XXXX ON XXXX XXXX SINCE I RECENTLY OPENED MY ACCOUNT I WAS TOLD IT WOULD BE A HOLD OF FUNDS UNTIL XXXX. ON XXXX I CHECKED THE ACCOUNT AND THE FUNDS WERE NOT IN THE ACCOUNT. I CHECKED THE ACCOUNT ACITIVITY AND SEEN THAT MY DEPOSIT WAS MADE ON XXXX, AND ON XXXX THE CHARGES WERE REVERESED.I CALL THE BANK AND WAS TOLD MY CHECK WAS INVAILD AND NOT GOOD. I RECEIVED A LETTER IN THE MAIL ON XXXX SAYING MY CHECK WAS INVALID AND IT WOULD BE RETURNED IN XXXX DAYS. WELL TODAY IS XXXX, I STILL HAVENT RECEIVED MY CHECK BACK OR A CREDIT TO MY ACCOUNT. THE CHECK IS A CLASS ACTION SETTLEMENT SO I KNOW THE FUNDS ARE THERE AND CHECK IS GOOD. NO ONE CAN HELP IN THE BRANCH LOCATION OR OVER THE PHONE

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 2022-01-08
Company: Experian Information Solutions Inc.
State: NV
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:
I have filed a dispute in regards to the incorrect items on my credit reports. It has been well over 60 days and I haven't received any investigation results.

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