BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information regarding complaint number XXXX. I want the record to show that Dunlap Gardiners refusal to comply with 15 U.S. Code 1692g is an infringement upon me exercising my right to assess and validate this alleged debt. Dunlap Gardiners refusal to comply is their admittance that this alleged contractual agreement, alleged instrument of indebtedness is nonexistent, and this alleged agreement is deceitful and fraudulent as the referenced Declaration of Covenants does not bare my intellectual property, neither did it involve me as a party in agreement to this alleged contract. Without these important elements, no such lawful enforceable contract exists. Lastly, I want the records to show that Dunlap Gardiners and its clients abusive and deceptive debt collection practices are willful as theyve admitted to the alleged contract being unscrupulous numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I noticed on XXXX XXXX XXXX that capital one charged me a {$28.00} dollar late fee.I made a electronic bill pay payment that was sent on XXXX XXXX and arrived on XX/XX/2022. ( due date ) Confirmed by my banking institute. When I called capitol one they informed me that it takes up to 5 days to post to my account. On their banking statement that information is no where to be found .Does state that I need to make a payment on the due date to avoid interest and fees, which I did. I have made electronic payments numerous times in the past, and have never been charged a late fee. I paid the balance in full. Payment of {$45.00}, and deducted from my checking account on the due date. ( XXXX ) Capital one posted my payment one day later on the XXXX of XXXX. I disputed this with the bank I make the payment with and they told dispute was denied, and to take it up with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Got behind a few payments, and without any heads up card was repossessed with purse, laptop, tools, radar detector, everything inside of it upon finding out who repossessed it we showed up to get our personal items out of it and found that quite a few things were missing the laptop purse, XXXX sunglasses, an radar detector were all stolen along with quite a few tools and the tow truck driver said he didn't even know who picked it up. We contacted Wells Fargo. They told us that it was unable to be reinstated no matter how much we could pay and that since it was repossessed, there was no way to get the car back unless we paid it in full the entire owed amount on the loan plus the repossession fees, and all this other charges and everything and they didn't help us at all with anything about the stolen items in fact, we never got anything from them not from Wells Fargo not the tow truck agency no one helped us and we didn't have a vehicle. I come to find out that there was a class action lawsuit against Wells Fargo, that they lost due to they are unfair practices with car loans and repossession fees. In terms I have not been contacted by Wells Fargo but I am I am sure that I should have been a part of that settlement and I don't think they did their due diligence and trying to contact me, nor wanted to pay me for anything that I didn't fight for first.

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 2023-07-26
Company: EQUIFAX, INC.
State: MN
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:
Personal Statement I was XXXX  for 8 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX XXXXXXXX ), Account # XXXX ( XXXXXXXX XXXX ),. These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed immediately please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. 

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 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 2020-07-18
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:
I had a bankruptcy in 2012 ... It was to be removed in 7 years per the judge. Well its still on my report///9 years later???

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 2023-07-06
Company: DISCOVER BANK
State: NY
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:
Dear DISCOVER BANK, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name DISCOVER BANK Account number XXXX Account type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Navient Solutions, 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 have reported the accounts as fraud and I have tried to call the organizations listed with no responses given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
There are numerous errors on Experian Report XXXX we have been attempting to correct since XXXX. Below are the contact dates. These errors were corrected easily with XXXX and XXXX. 

Experian Contact Date of request ( s ) from Experian Website, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Text below is from the most recent letter sent XX/XX/XXXX. Along with this letter, images of proof of payment were provided. As of right now, it is impossible to talk to a living person at Experian for assistance. 

XX/XX/XXXX To : Experian Re : Inaccuracies on Credit Report XXXX From : XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX Please correct the following errors on my Credit report. I have attempted uploads of the attached files online on XX/XX/XXXX and received confirmation of the upload. 
On XX/XX/XXXX received an email indicating the investigation was complete but the account info was not updated. 
I followed up with a phone call to XXXX from XXXX XXXX on XX/XX/XXXX. She asked that the files be uploaded again but could not access the uploaded files. I am mailing hardcopies since the online system does not work. The attached proof of payment is irrefutable. These inaccuracies were corrected with minimal effort with the other two credit bureaus months ago. 
A hardcopy of this letter will be sent certified mail with return receipt. I will file a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX if these are not corrected promptly. Please contact me at XXXX or email XXXX with any questions. 

Please correct the 4 errors that follow. 

Proof of Identity attached : Image of NY state drivers license. 
Bank records. 





Error 1. XXXX XXXX account XXXX, XXXX opened XX/XX/XXXX was paid in full on XX/XX/XXXX. The Experian report still shows a balance of Error 2. XXXX XXXX, acct # XXXX date opened XX/XX/XXXX, was paid in full XX/XX/XXXX Error 3. XXXX XXXX XXXX, acct XXXX, opened XX/XX/XXXX, was paid in full XX/XX/XXXX. 











Error 4 XXXX XXXX XXXX, acct XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, paid in full with check dated XX/XX/XXXX. Acknowledged as such by creditor in letter dated 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-11-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, Synchrony Bank requested documentation of three payments I made related to the dispute. On the same day, I faxed my bank statements that included the payments. On XX/XX/2022, Synchrony Bank requested letters from my bank detailing the payments. I faxed the requested letters on XX/XX/2022. Shortly thereafter, I spoke with a manager named XXXX, with a XXXX, not a XXXXXXXX said. He said that XXXX of the XXXX disputes had been resolved. The third dispute was in escalation status. He assured me there would be no adverse credit action taken until the third dispute was resolved. The managers I spoke with before and after talking with XXXX said the same thing. However, on XX/XX/2022, I called again because I continued to receive more than a dozen emails and collection phone calls. The first representative, XXXX, explained that none of the XXXX disputed payments had been resolved contrary to what I was told, and to allow up to 90 days. She also said beginning XX/XX/2022, it would be reported to the credit bureau as late despite their policy printed on the bank of each statement. She transferred me to a Customer Service Account Manager named XXXX who repeated what XXXX said. He explained that as of XX/XX/2022, my disputes were pending case review. He also said a People Manager would call me back. XXXX called me back but offered no resolution or way to expedite the review. She said someone would call me back, but no one has called.

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 2023-04-06
Company: EQUIFAX, INC.
State: LA
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 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 explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, Experian and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of 2022 and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus.

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 2022-11-09
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX XXXX  to Nationstar Mortgage, XXXX XXXX Mr. Cooper. I received a letter from XXXX detailing their process but have received no communication from Nationstar Mortgage, XXXX XXXX Mr. Cooper prior to my payment due date. I have no loan or account number and can not login to the website to make a payment. 

The CFPB closed my exact previous complaint with no resolution saying they resolved it. Who do I complain to now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I visited XXXX XXXX XXXX and paid what they said I owed at the time of my visit last XXXX. Since my visit, I have received bills stating that I owe more, which I won't pay since I have already satisfied my payment. They've " decided '' that I should pay more " just cuz. '' I had no insurance during my visit, so my payment was over a XXXX dollars. I do not have a copy of my payment, but they should have it on their computer. 

Also, I am confused about the nature of the bill " XXXX XXXX '' because I did not have x-rays. The visit was for XXXX, which doesn't require x-rays...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX To whom it may concern : May I please receive some consideration for future investigations as a valued customer, regarding {$500.00} reversed from my checking account ending XXXX on XX/XX/2023. Because I thought the person contacted online was from XXXX, as a value customer this has put a negative impact on my finance, and Ive attached additional information as well as local police department report case number XXXX. Filed On XX/XX/2023 at XXXX XXXX XXXX at ( XXXX ) XXXX he texts me back immediate once I discovered it was a fraudulent activity conducted on XXXX XXXX approximately XXXX XXXX thru. app. Called any desk app. XXXX from Chase Claims Department took my complaint over the phone. 

Might I include the person I communicated over the phone however its not in order or date sequence XXXX XXXX at XXXX XXXX  Name XXXX at Chase Customer Claim Supervisor XXXX told me I was scam and no further action will be taken Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: DISCOVER BANK
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: Reporting company used your report improperly

Complaint:
In accordance with the tair credit Reporting act XXXX Account ending # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation