BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: DISCOVER BANK
State: CA
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:
I DO NOT HAVE A CONTRACT WITH DISCOVER FINANCIAL SERVICES AND THEY DO NOT HAVE MY PERMISSION FOR ANY USE OF INFORMATION. THIS IS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: The Commercial Collection Corporation of New York, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XXXXXXXX XXXX XXXXXXXX, I left my employer and was asked to repay my sign-on bonus on XX/XX/XXXX. I responded by offering to pay the net amount I received. The company replied weeks later, insisting that I needed to repay the gross amount, citing an accounting error in the fiscal year of XXXX. I requested an exception, considering their delayed response. Over the course of XXXX months, we engaged in back-and-forth communications. 

Throughout this period, I never received any physical mail correspondence to my address, informing me that the debt of {$28000.00} would be sent to collections. 

Fast forward to XX/XX/XXXX, when I received a letter from The Commercial Collection Corporation, signed by XXXX XXXX, demanding immediate payment of the full amount. The letter did not provide instructions for disputing the claim ( attached ). 

Reacting promptly, I called them on XX/XX/XXXX, and XXXX mentioned a potential settlement for {$10000.00}, subject to approval from XXXX. However, I expressed my desire to dispute the debt since I never signed any employment contract, neither digitally nor physically ( attached ). Coupled with the fact I did not hear back from the employer that the debt would be forwarded to a collections agency. On XX/XX/XXXX, I called XXXX again, but her attitude had changed. She asserted that XXXX would only accept the full amount and nothing less, which surprised me since I believe the debt is now owned by the The Commercial Collection Corporation, not my previous employer. Despite explaining my financial constraints, my offer to pay {$5000.00} lump sum immediately was denied. 

After our call, I sent a request in PDF format ( attached ) seeking more information about the debt and average payoff percentages to ensure fair treatment. However, as of the XXXX  of XX/XX/XXXX, I have not received any confirmation of receipt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Fidelity National Information Services, Inc. (FNIS)
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: Personal information incorrect

Complaint:
Although notices have not been properly given to me, I discovered numerous inquiries to ChexSystems. None of these were made with my consent. There are many incorrect " personal identity '' items on my ChexSystems credit report, which identity thieves can then use to " identify themselves '' as me. ChexSystems uses personal identity information " challenge '' questions to provide a credit report online. ChexSystems uses an address on XXXX XXXX in XXXX as one of the challenge questions I need to know the answer to in order to be " identified. '' I have never lived anywhere near there. The address does not appear on my ChexSystems credit report and ChexSystems refuses to disclose the source of that challenge question so I can have it corrected. ChexSystems refuses to act on or respond to my written dispute from my attorney that was SIGNED BY ME AS WELL, demanding a notarized " power of attorney ''. Although this is a matter of urgency and my attorney communicated to ChexSystems via fax, ChexSystems not only refuses to act, it sends its response by very slow regular mail rather than by fax or email. ChexSystems runs an online system that apparently allows automated inquiries. In every, or most, cases the inquiries are rejected -- this means both ChexSystems and the " furnisher '' know that I, the consumer, did not consent to the inquiry. Nevertheless, they proceed to pad their credit data on me with false data they will not remove, and which can be exploited by identity thieves. This all takes place in the " subprime '' market and the activity is not disclosed on the " main 3 '' credit reporting agency reports and alerts. Finally, XXXX ( which did not have my consent to access my credit ) sent me a reject notice for " my application '', disclosing to me that it had accessed ChexSystems. Additionally, there is no negative information in the ChexSystems report, but ChexSystems refuses to disclose the reason for the rating it sent to XXXX. Because FCRA requires my Identity Theft Report to contain the items that are false in order to demand they be blocked, I am including those in an upload attachment to this complaint. With respect to uploads, however, there is a discrepancy in CFPB instructions : ( 1 ) don't reveal personal information and ( 2 ) upload documents, letters, etc. related to the 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 2023-10-17
Company: EQUIFAX, INC.
State: TN
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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2022-12-19
Company: EQUIFAX, INC.
State: GA
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 Identified information on my report that are a result of identity theft. Please remove personal information That i do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No Financial institution is not suppose to share my information to third party people.

These are clear violation of my federally protected consumer right.

Please See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: GA
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 received the copy of my credit report and found inaccurate information, there are late payments showing when I am not really 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 2023-04-10
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:
As i look through my consumer profile I see that this company XXXX XXXX XXXX, account # XXXX is reporting a collection on my account. With a balance of {$1400.00}, balance updated XX/XX/. I have never did any business with this company and I have previously filed a CFPB complaint to have this removed off my consumer profile. I have now filed and identity theft report because this 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 2022-12-19
Company: Experian Information Solutions Inc.
State: SC
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 # 's XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXXXXXX XXXX  Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX  XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, has violated my rights. 

Pub. L. 90-321 [ 5 USC 1681A SUBSECTION 4 ( Consumer Privacy Act ) ] Pub. L. 90-321 [ 15 USC 1681B subsection 2 ( No written consent ) ]

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 2023-08-03
Company: Advanced Resolution Services 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home valuation ( XXXX ) through the servicer ( Chase ) for the purpose of PMI removal. The XXXX was completed, and Chase sent a letter confirming the new value and the principal balance ( XXXX  ) that would need to be reached to qualify for PMI removal ( {$210000.00} ). 
On XXXX, I made the necessary principal curtailment to bring the balance below this threshold ( in addition to my regular monthly payment on XXXX ). 
In the payment screen of the Chase website, I specifically selected the " Principal payment '' option for the curtailment. Chase misapplied my principal curtailment, causing my principal to remain above the threshold. 
Note : {$400.00} out of my regular XXXX monthly payment should have gone to principal, per the amortization table -- I was including this in my overall calculation. 
I contacted Chase 3 times, but their responses failed to even recognize my issue. They only replied with thoughtless, copy and paste style answers. I am providing copies of the following documentation : ( 1 ) all complaint correspondence ( 2 ) proof of my regular monthly payment ( 3 ) proof of my principal curtailment ( 4 ) New valuation and UPB requirement letter from Chase ( 5 ) XXXX and XXXX account statements ( 6 ) Recent transaction history ( 6 ) Amortization table from loan origination The numbers are as follows : XXXX as of XXXX : {$210000.00} Principal Curtailment : {$2900.00} XXXX payment portion to principal : $ XXXX Total principal reduction : {$3300.00} My XXXX  should now be at {$200000.00} Somehow, my XXXX  XXXX still showing as {$210000.00} *This number came from Chases amortization schedule as of XX/XX/2022, which I did not save a copy at the time that I viewed it. The Chase website now no longer provides the XXXX  portion of their amortization table, but I provided a copy of the original version from the loan origination. The portion to principal varies slightly, but not by enough to make any material difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-20
Company: SANTANDER HOLDINGS USA, 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, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 166B 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 2020-08-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I continually get phone calls supposedly from Chase about my rate expiring. The number on my caller ID is XXXX XXXX. When I requested that my phone number be removed, I was told that I had to pay {$1000.00} to have it removed or I would be called once a day. The phone number call was XXXX XXXX and the most recent call was on XXXX XXXX, 2020 at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed immediately.

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 2022-12-19
Company: EQUIFAX, INC.
State: PA
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:
To whom it XXXX concern, I XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

1681b. Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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. 


As a consumer, I am demanding a deletion of the following accounts and the deletion of the following personal information both addresses and employers : 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  These following Addresses must be deleted : 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 These employers must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
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:
The company Automobile Acceptance Corporation ran my credit without my permission. I originally got a voicemail saying they needed to speak with me about my loan application. Then I got a email saying they would like to speak with me about application. I then called and told them I never applied for a loan application. I then check my credit and see they have ran my information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
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 status incorrect

Complaint:
I have one account with XXXX in good standing and for some reason they have two more accounts under my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I met with an individual to purchase a set of car wheels. After inspecting the goods, I asked the seller to provide his email address for me to send a XXXX payment. He provided his email address and I sent the payment. After a few minutes, the seller said he still had not received his payment. I went and checked the recipient email and he had made a mistake with the spelling and provided it one letter off from his actual email address. The erroneous email address he initially provided is XXXX, and that individual is a real person with whom I have never conducted business. 

I attempted to open a dispute through XXXX and they declined citing I sent payment as a friend and instructed me to submit a claim through my credit card, Citi Cards. I filed the dispute with Citi and after several months of providing all of the requested documentation, Citi provided a final letter stating, " We attempted to resolve this dispute with the merchant or their bank. They are unwilling to issue credit. You will need to contact the merchant if you with to pursue this matter further. our investigation remains closed. ''

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 2023-11-12
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
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 have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with XXXX they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation