BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Chase is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Chase is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the US Treasury upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the US Treasury . Chase has not been able to refute this information/ laws. Instead Chase has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Chase stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms 1096, 1099, OID, INC, and PRC which financial institutions such as Chase use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Chase is the fiduciary debtor. 
Therefore based on my various written requests via certified mail Chase should have applied to have my account balance discharged or mutually offset to XXXX through the US Treasury. As a result this Chase account is not delinquent and the balance should have already been set to zero as these requests have been made over 60 days ago. If Chase refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
Chase has made various references to the cardholder agreement but there is no statement in the agreement that opposes a mutual offset or discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A PERSON CALLED ME AND TOLD ME THAT MY NAME IS IN THE RESIDENCE PROCESS BECAUSE I HAVE MY XXXX  IN COURT, AT THE SAME TIME I ASKED A XXXX XXXX TRANSLATOR AND THEY SENT ME AN EMAIL TO CONFIRM IF IT WAS ME, I CONFIRMED, AND THEN THEY SENT ME A FORM TO FILL OUT XXXX XXXXXXXX FOR XXXX XXXX, THEY MADE ME TRANSFER XXXX DOLLARS TO THEM AND THEN, THEY TOLD ME IT WASN'T XXXX XXXX, IT WAS A XXXX  MAN USING THE XXXX XXXX, I CALLED THE BANK TO TRY TO MAKE A REPORT BUT THEY DIDN'T HELP ME, THEY HAVE THE PERSON 'S NAME THEY HAVE ALL THE INFORMATION ABOUT HIM, BUT NO BODY CAN DO NOTHING. 
If an email was used in this incident, please.. 
XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX other number using for financial department XXXX. Email used for 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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Unwarranted inquiries listed on credit report : XXXX : XXXX XXXX  Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX TransUnion : XXXX XX/XX/XXXX XXXX XXXX Finance ) XX/XX/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 2022-05-01
Company: CAINE & WEINER COMPANY, INC.
State: CA
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:
There is a collection account on my credit files that is fraudulent and currently reporting by Caine & Weiner. This account XXXXX {$80.00} is reporting on my report via XXXX XXXX. I have attached the FTC Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Niagara Capital Recovery LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company called my grandmother ( who lives in XXXX XXXX ) regarding my debt and told her that there was legal action against me. they would not disclose their name to her. When I called the number back ( XXXX ) to ask them to not contact her, they told me that they are called Niagra Capital and that they have a legal case against me. they would not disclose the original debt or why they are calling me r my grandmother, who has no connection to my finances.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-19
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XX/XX/2016 at XXXX I received a phone call from the phone number : XXXX requesting I call and speak to a representative with Balanced HealthCare Receivables. Upon returning the phone call I am notified for the first time of this debt and its advancement to the collections stage. I paid the debt via XXXX ending in XXXX on XX/XX/2016 for the full amount of the debt. I requested a receipt upon payment and was given a difficult time obtaining a receipt. During this initial and first contact about this debt, I informed the collection agency about my new location in California, not Florida, and was required to provide a Billing Zip Code for my Credit Card. Which would notify the collection agency of my relocation, even further. This reasoning is supported by the following statement that is verbally given during every phone call and on every letterhead from the collection agency : " THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. '' Therefore, the collection agency has no reason to deny their knowledge of the " local time at the consumers ' location ; '' pursuant to Section 805.1 of the FDCPA. 

XX/XX/XXXX, after much consideration and receipt of the pay-in-full letter, with a plethora of grammatical and numerical errors, I decided that this debt is illegitimate and disputed it with my credit card company. I believe that Balanced Healthcare Receivables is not a professional entity, nor a financial regulation abiding organization. 

On XX/XX/2016 I, XXXX XXXX, received a phone call from the telephone number : XXXX at the time of XXXX PDT, which translates to XXXX EDT and covers all United States Time Zones in accordance with Section 1 for a call being placed at that time as " unusual ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My date of birth is incorrect. I a m  XXXX  old. I was not born in  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 2017-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been a victim of identity theft repeatedly over the last 10 years, including due to data breaches on XXXX XXXX, and XXXX, all of which revealed my name, address, dob, ssn, and place of employment. While the accounts that were fraudulently obtained were all removed, the inquiries from the more recent breaches have not been removed. 

I filed complaints over the phone, and in writing to TransUnion instructing to remove the inquiries. I was informed that they were removed on the phone, and logging into my TransUnion credit monitoring product shows that they are removed. However, I received no response to my written dispute of the inquiries. 

When I pulled my report today from a third party site, all of the inquiries, fraudulent or not, are there again. If I log into TU, it shows XXXX inquiries. Trying to obtain my free credit report through their dispute and annual portals results in no report, as it appears they have blocked me from accessing them through anything other than their credit monitoring tool.

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 2017-04-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I did not have the funds in my bank, and the company has been incessantly calling my phone and is sending threatening emails, saying that if I do not pay immediately I will be prosecuted and will owe {$25000.00} from a {$400.00} loan. They are saying that I have to send them a promisory note immediately, or I will be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: LendUp Loans LLC
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: Information belongs to someone else

Complaint:
I am writing to FLURISH INC DBA LENDUP agency because I am having difficulties with buying a house and applying for new credit cards. I paid the account and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting FLURISH INC DBA LENDUP agency to remove this account from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 previously submitted a complaint to the CFPB on XX/XX/XXXX against XXXX XXXX Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My XXXXredit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my credit score. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where Transunion was XXXX ( I'm currently only at XXXX ), and XXXX was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.

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 2016-11-21
Company: Mobiloans, LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was approved for a $ XXXX line of credit through MobiLoans , LLC. In increments, I borrowed all of the {$1200.00}, and accumulated some fees associated with it. It was not long until I wrote and sent a check on XX/XX/2016 for {$1200.00}, and it posted to my checking account on XX/XX/2016 for {$1200.00} dollars. That left me with a balance of fee charges ( advance fee and fixed finance charge fee ). My latest payment due date was XX/XX/2016, for the minimum amount of {$92.00}, and a balance of {$290.00}. On XX/XX/2016 I sent a check for the balance of {$290.00} ( I sent {$290.00} ), and as of today, MobiLoans , LLC can not tell me whether they have received my check ; They just keep telling me that it takes 7-10 business days to process if mailed, which is n't anywhere on their disclosures for mailed payments. The {$1200.00} payment posted to my checking account just TWO DAYS after I mailed it. I strongly believe that they delayed/and are delaying this payment mailed on XX/XX/2016, just to charge another financed fee. I strongly believe that they should have received and processed my payment due XX/XX/2016 by XX/XX/2016, just as they did the {$1200.00} payment, in rapid succession. I was told by one representative that once they receive the payment, it is processed immediately. Currently, I have been told by a Supervisor that he can not call processing to see if the payment has been received, and he also stated that it takes 7-10 business days to process, which is contrary to what happened with the {$1200.00} payment. Also, the payment center for mailed payments is just in XXXX, and I am in XXXX, yet one representative told me that it takes five days to receive my " mailed '' payment. Well that was not the case with my " mailed '' {$1200.00} payment in XX/XX/2016. It was received expeditiously and processed expeditiously. So I am really wanting assistance to be sure no more fees are charged to my account. Once this payment of {$290.00}, that they are delaying, is processed, I will only have {$34.00} left to pay by XX/XX/2016, which I intend on paying/mailing in the next couple of days. 

I can most likely fax or mail whatever documents you might need or request to see.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a certified letter to Equifax on XX/XX/XXXX ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
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 originally went into a contract with XXXX XXXX and sports provided the contract was written as a consumer installment contract not a loan But credit acceptance has reported it as a vehicle finance loan as a finance loan it violates federal contract law in regards to finance charges 1026.4 Finance charge. subsection4 d part 2 ( i ) The insurance coverage may be obtained from a person of the consumer 's choice, and this fact is disclosed. ( A creditor may reserve the right to refuse to accept, for reasonable cause, an insurer offered by the consumer. ) ( ii ) If the coverage is obtained from or through the creditor, the premium for the initial term of insurance coverage shall be disclosed. If the term of insurance is less than the term of the transaction, the term of insurance shall also be disclosed. The premium may be disclosed on a unit-cost basis only in open-end credit transactions, closed-end credit transactions by mail or telephone under 1026.17 ( g ), and certain closed-end credit transactions involving an insurance plan that limits the total amount of indebtedness subject to coverage. 
the creditor as they have told the world they are faild to give me the option to choose to be insured through the finance charges and forced me to find insurance I will settle for no less than destruction of the contract and a full refund of the complete purchase including the downpayment

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 2017-07-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
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:
my ss # was used without my consent, i contacted the IRS, and other creditors to resolved this matter and they have been more than helpful to resolved this.

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 2023-10-04
Company: DISCOVER BANK
State: IN
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 the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting agency can not furnish a can account without my written instructionsUSC 1681 section 602 states. I have the right to privacy 15? USC 1681 section 604a section 2 it also states. consumer reporting, agency, can not furnish a can account without my, written instructions, under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" I, XXXX XXXX, am writing to express my concern about the actions of LVNV FUNDING. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give LVNV FUNDING permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that LVNV FUNDING is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that LVNV FUNDING remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''

Company response to consumer: Closed with explanation