BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name ; XXXX XXXX XXXX XXXX Account Number ; XXXX auto lease Account Name ; XXXX XXXX XXXX Account Number ; XXXX Auto Lease Account Name ; XXXX XXXX XXXX Account Number XXXX Account Name ; XXXX XXXX XXXXXXXX Account Number ; XXXX Account Name ; XXXX XXXXXXXX XXXX Account Number ; XXXX 15 USC 1681 section 602A. States I have rights to Privacy 15USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from this company has no right to collect in my state. This company does not have a license, permit or permission to collect in my state via 58-70-1. Permit from Commissioner of Insurance ; penalty for violation ; exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Supreme Lending advertised a 9 month rate lock as well as up to 3 rate lock extensions for a total of 12 months. 

Supreme Lending has refused to honor their rate lock extension offering with many buyers- including myself - despite having in writing that these options were on the table This is a deceptive practice and violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance to 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. 

XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-09-16
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX ABLTY RECVRY 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 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 2020-10-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I rece

ived two unauthorized charges on my checking account, I tried to have them stopped and reversed. Each time I talked to the bank they gave me a different reason why they could not stop the transaction or revise the charges. I chose not to continue my phone service with XXXX XXXX ( XXXX XXXX XXXX ). I started service with another cell phone provider ( XXXX ). On the same day, I started the new service XXXX XXXX XXXX charged my account for coming month. I contacted XXXX XXXX XXXX. The phone representative told me we do not make refunds under any circumstances. I immediately contacted 5th 3ed Bank to request the transaction be stopped. 5th 3ed Bank told me they could not stop the transaction because it had not posted.

Four days later contacted 5th 3ed Bank after the XXXX XXXX XXXX charges were deducted from my account. I was told that they could not reverse the charge because the charge was not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our original loan was a 15 year mortgage. The end date was XXXX. All payments were made on that loan. Why is this account still open and taking payments through XXXX? 
Spoke to Huntington to no avail. They are allegedly investigating. This mortgage was never refinanced. We are seeking a refund of monies paid in excess, and a dissolution of a single repeated XXXX charge that they can not explain, but never removed. 
Sincere thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: NE
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 REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Resurgent Capital Services L.P.
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: Public record information inaccurate

Complaint:
On XXXX XXXX I received a settlement letter from attorneys for CACH , LLC. It was to confirm the settlement contract we agreed on instead of paying {$2600.00} a settlement of {$1900.00} was finalized. On XX/XX/2013 I called a payment settlement over the phone and received Approval # XXXX. So this should have settled all transactions with this company. However, to date XXXX XXXX I still have a lien on my property by this company. I need this removed immediately. According to NYS courts the following is true : When the Judgment is Paid When the debtor pays the judgment, the creditor must file a Satisfaction of Judgment form with the Clerk within 20 days. 

It is filed in the Court that entered the judgment, but if a Transcript of Judgment was filed in the County Clerks office, it is filed there. The creditor must mail a copy of the Satisfaction within 10 days to the debtor and must send a copy to all other counties where a transcript of judgment was filed. If this is not done, the debtor can sue the creditor for {$100.00}. 
I am having to go through hoops to get this taken care. Realistically I shouldn't have to if this is their error. Please advise. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
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 wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and XXXX  regarding an account being reported by EASTERN ACCOUNT  SYSTEM XXXX Original Creditor : XXXX XXXX XXXX  ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and XXXX failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: VA
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 wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to XXXX and Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). 

The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX responded that the account was unable to be verified and deleted it from my credit report but XXXX and Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CCS Financial Services, Inc.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... CREDIT COLL ( Original Creditor : XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022 I was the victim in a XXXX  money transfer scam. I tried to cancel the transfer but I was not able to and the other party involved received the funds. I have requested a payment back from that party for the amount and I have received no answer. 

I have also requested my bank institution to dispute this transaction but they claim that because it was authorized from my end, without my being aware that this was a XXXX scam, it is not under purchase protection, and therefore can not be disputed as such However, I was under the impression that all money in the United States is covered under the FDIC. If money is fraudulently stolen or wired out of my account the bank is responsible for reversing that transaction and possibly flagging and Reporting the recipient for investigation. 

In refusing to reverse the fund transfer, i believe my Banking institution is being complicit in a crime, given that a legitimate bank account and personal information is required to link XXXX. Meaning that they could easily trace back the funds taken from my account but are refusing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent {$1000.00} to a friend who resides in XXXX, FL. I used XXXX through my XXXX bank, as usual to make payments or send money for necessary things around XXXX. 
Apparently, I made a mistake I put XXXX on the part where XXXX requests what is the money for. I put XXXX because XXXX is a friend from XXXX. 
I requested a dispute with XXXX bank and they found out JP Morgan Chase Bank blocked the transaction due to the XXXX word written on memo. 
XXXX bank recommended me to apply for a license with the Department of the Treasury XXXX to unblock and release the funds. The application for a license was submitted back in XXXX of XXXX and on XX/XX/XXXX, of XXXX I received the letter from the Department of the Treasury informing me that XXXX has issued a license to JPMorgan Chase Bank to release the funds. 
XXXX bank and myself have been trying to get a hold of the department who handle these cases inside Chase bank but no-one knows what to do or what to say. The persona the money was sent also contacted Chase bank in several occasion and they keep telling her the money will be returned to me. 
Today, again XXXX bank and myself tried to talk to Chase Bank and they don't know what to do or where the money is. I need an investigation because I believe this is not the first time Chase has not returned the funds. This chase bank in XXXX is taking advantage of people who don't know English or don't know what to do to get their money back.. Today, my bank XXXX asked me to file a complaint with you to get to the bottom of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
The issue is that Experian is in violation of my rights under the FCRA. They have failed to provide me with the methods that they used to verify false information on my credit report. Not only have they failed to provide me with proof of an actual investigation, but they continue report accounts that could not be verified by to original creditor. 

OnXX/XX/2020, I sent a letter to Experian via certified mail ( tracking XXXX ) requesting that they provide a summary of how they verified the information on my credit report. Experian never responded to my letter and they continue to report unverified information and accounts. The method of verification should be provided within 15 days, but it has been nearly two months. It is my understanding that any information that can not be verified must be removed. Information that they fail to show how it was verified must be removed as well or I can hold them liable for damages. 

I also took the liberty of reaching to the individual creditors. XXXX XXXX XXXX  could not be verified because the address provided was not a real address ( a image of the returned envelope is attached ). The XXXX XXXX XXXX  was removed but added back to my report without any explanation by Experian or the creditor. The XXXX XXXX XXXX never responded to my request and they report that I live in Arkansas. I have never lived in Arkansas. 

By continuing to report this inaccurate and unverified information, that are in violation of the FCRA and could potentially be liable to fees and legal action. I have attached all of the letters and information that I have sent to them.

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 2021-09-09
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX from XXXX to XXXX and I was successful in discharging my federal student loans through the Borrower Defense to Repayment program. The Obama administration had previously enacted regulations in XXXX governing that program, which was established to provide student debt relief to students who were misled, defrauded, or otherwise harmed by predatory colleges and universities often, for-profit schools like XXXX. But the program only covers federal student loans. Private student loans are not eligible for Borrower Defense relief, and Navient refused to discharge my private loans. I believe I am entitled to cancellation of my private student loans under the Holder Rule theory. This rule requires that loans disbursed by commercial entity through a lenders or creditors relationship with that entity include a provision in the loan promissory note that allows a borrower to raise the same claims and defenses against the lender that they could raise against the commercial entity. In other words, if the borrower could raise claims of fraud against XXXX, the borrower should be able to raise those same claims of fraud against Navient and Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 REACHED OUT THE CREDIT REPORTING AGENCIES ABOUT REMOVING THE INQUIRIES FROM MY REPORTS AND THEY ARE GIVING ME A HARD TIME. I ADVISED THEM OVER AND OVER AGAIN THAT THOSE INQUIRIES DOESNT BELONGS TO ME AND BY LAW AS THE CONSUMER I HAVE THE RIGHT TO REQUEST FOR THOSE TO BE REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX You applied for a credit card on XX/XX/2023 I received the above information via email from XXXX XXXX and Experian XX/XX/2023. I did not authorize the credit card application and the address used was an old address ( XXXX XXXX XXXX, XXXX, OH- I have not lived in Ohio for 7 years ) XXXX XXXXXXXX divulged that someone used my name, DOB , and SS # to apply for a credit card. It is now noted as fraudulent. I froze Experian and reported fraud to XXXX and 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 2020-10-05
Company: Capio Partners, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter sent on XX/XX/2020 from Capio Partners, it said " Your XXXX XXXX  XXXX  XXXX  account has been sold to XXXX XXXX XXXX. Attention has been contracted to collect the outstanding balance. '' The balance due is {$1800.00}, but they offer to settle for XXXX if i pay by XX/XX/2020. 

I have XXXX and have XXXX which covers all my medical bills. I have tried to call XXXX  XXXX XXXX and Capio Partners. XXXX  XXXX tells me they are not the company I am looking for and Capio Partners goes to a voice mail. 
I noticed my credit score drop recently and I believe this is fraud.

Company response to consumer: Closed with non-monetary relief