BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: OH
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 am providing this statement pursuant to 15 U.S. Code 1692 ( a ) ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1602, The term cardholder means anypersonto whom acredit cardis issued or a personwho has agreed with thecard issuerto pay obligations arising from the issuance of acredit cardto anotherperson.

REASONS : 1. Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974.

2. You are also acting as a debt collector attempting to collect a debt from me which is also a federal violation as well Pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) ( B ) and 15 U.S. Code 1692e ( 7 ) ( 8 ) ( 10 ).

3. Pursuant to 15 U.S. Code 1681 ( e ) and all that apply, every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing such user a credit report. No consumer reporting agency may furnish a consumer to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681 ( b ) of this title.

4. Additionally in compliance to 15 U.S. Code 1681 ( o ) ( a ) ( 1 ) any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the the sum of any actual damages sustained by the consumer as a result of failure.

5. As the consumer, original creditor and card holder I am demanding you to delete the account ( s ) listed below unless upon proof of claim is rebutted by sworn Affidavit under the penalty of perjury the following interrogatories : Was written consent or authorization given by me the consumer?

Was there not a violation of my privacy pursuant to The Privacy Act of 1974?

Are you not attempting to collect a debt from by alleging a debt is owed?

Am I not the consumer, original creditor and card holder.?

If you cant provide proof delete account ( s ) immediately. 


XX/XX/XXXX {$10000.00} XX/XX/XXXX XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX, XXXX {$3900.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX XX/XX/XXXX {$210.00} XX/XX/XXXX 2018

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 2023-07-31
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: Their investigation did not fix an error on your report

Complaint:
THIS IS NOT MY INQUIRIES PLEASE DELETE THIS. I NEVER AUTHORIZED THIS AND IT IS NOT LINK TO ANY OF MY ACCOUNTS. I HAVE NEVER APPLIED UNDER THOSE INQUIRIES

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 2022-10-24
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXXn XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX got hold of my credit and debit cards while I was in XXXX XXXX and illegally used them. I found out ID Theft was done to me when fully released from XXXX XXXX  on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in XXXX and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and 2 cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX  making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing with a collection agency by the name of Eastern Account System that has reported a bill to the credit reports that is inaccurate. The company was contacted numerous times in writing and by telephone. I have certified letters that were sent to the company dating XX/XX/2019, XXXX  2019, and my third letter will go out tomorrow as that will be another 30 days the company has refused to reply. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. 

Also, I had informed them that any negative marks found on my credit report XXXX from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if Eastern Account System can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, XXXX XXXX and natural person, was denied credit by XXXX of XXXX who ran my credit to and gave it to Chase when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605 and 15 U.S.C 1611, You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Chase due to the response I received. 
Chase is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase 15 U.S.C 1602p.

If Chasle fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make Chase criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.

Chase was one of those lenders who wasn't suppose to deny me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: GA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update these inaccurate accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This afternoon, I tried to use my discover card at XXXX but it was declined. Soon after, i checked my account and was charged twice ( {$60.00} each time ) for the declined transaction. After speaking to with discover customer service, they informed me that discover cards currently could not be used in chip reader or swipe readers in stores *anywhere. * On the call, they said both transactions would be removed from my card. While i am happy that the charges will be removed, i should have been notified by the company about the issue. Since they were aware that their cards were not able to be used in stores, consumers should have been notified when they became aware of the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AVANTE
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX at the Avanteusa is in violation of the fair debt consumer protection act. 
XXXX XXXX at the Avanteusa have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1.Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2.Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to XXXX XXXX at the Avanteusa 3.Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt saying I owe {$610.00} 4.Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 5.Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
XXXX XXXX at the Avanteusa are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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:
I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX 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 2023-09-27
Company: EQUIFAX, INC.
State: TX
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 contacted the companies first and after 30 days of no response I requested 2nd attempt but no response. Than requested Equifax to remove immediately due to no evidence of authorization, nor any permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
At the beginning of 2021 I made an agreement with discovery to settle a debt around XXXX. the settlement offered was a reduction to around 65 % under de condition that for the first 5 months I would have to make a minimum payment of XXXX dollars after that the reduction would be applied to the balance. This conversation took place Through their chat service. When I asked for confirmation the discovery representative told me that it was not necessary because everything will be saved on the chat. 3 months later discover started harassing me even though i was making payments as agreed. Now discover says that there is not agreement and that the chat that can prove the settlement never took place. They are still charging me the whole amount and the balance has not been reduced as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When the covid pandemic began we were lead to believe that any missed mortgage payments would be added to the back end of the mortgage and the loan would be extended. Now we are being told that the missed payments will be due as a balloon payment at the end of the loan term. This is unacceptable and it was misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed this account information as being inaccurate, incomplete, and invalidated and each of the credit reporting agencies responded by stating they were able to verify or validate this debt. Tell me how is that possible if there is an automated system judging my disputes within seconds? No investigation was made, Under the laws of the FCRA, I have contacted the creditor myself, and they have provided proof stating that the accounts were not accurate at all as well as they were reporting incorrect information to the credit reporting agencies.. The original creditor or the Credit reporting agencies have still not corrected all the errors with this account. I have copies of my requests to the creditor, asking them to validate the debt with contracts. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer

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 2017-06-18
Company: SERVICE 1ST MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom this may concern, I received a letter in the mail about a special offer for VA loan for 2.25 % back in  XXXX .  2017 . So I called  1st s ervice mortgage that 's in  XXXX  Fl, to ask about the offer. I was told yes I qualified for the offer becau se my credit score wa s high enough and I have n't miss any payments on my loan. He proceeded to tell me that I can miss the f irst two months of payments and make my first payment on the third month. My rate will stay at 2.25 % for three years and only go up 1 point after the 3rd year. Then I can lock my loan in for 30years at 3.25 % as long as I keep my credit score up ov er  XXXX . So I ask him what happens if I do n't keep my score up, then he said I need to get out of the loan because my % rate will go up. So I said as long as my credit scores stay up I can stay locked in for 30 years at 3.25 % and he said yes. I wanted to be sure of that percentage rate because  my 1st loan was at 3.87 % and I was n't going to take a loan that would put my interest higher than my 1st lo an was. So we did the closing on  XXXX   XXXX ,    2017  and he also said that I would get an escrow return back between {$2000.00} to {$2200.00}. I only received {$1100.00} back and a smaller escrow of {$200.00}, but I only received {$100.00}. Now I found out that my  credit score has nothing to do with locking my rate in, it 's determined by the market so my % rate will go up any way. I have learned that they will charge me way to much to do a VA loan like this. The loan officer i s  XXXX   XXXX  who made the loan and my pay off for the loan was {$210000.00} the amount is now {$220000.00}. I find out this was to much.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled in a debt consolidation program over 2 years ago with XXXX XXXX XXXX XXXX XXXX ), I included an outstanding debt to a CBNA Citi Best Buy credit card. At the time the final debt owed was {$1400.00}. During the process of negotiations, this account was sent to a Collection agency listed on my credit report as XXXX XXXX XXXX. XXXX eventually negotiated this account with the collection agency ( not original creditor ). They agreed to reduce the original amount of {$1400.00} to {$960.00}. I am currently paying this off in the following : I started paying {$10.00} a month XX/XX/XXXX until XX/XX/XXXX. {$30.00} a month starting on XX/XX/XXXX until XX/XX/XXXX and then {$60.00} a month thereafter until the final payment is due on XX/XX/XXXX. 

This collection agency is deliberately reporting inaccurate information to the the credit reporting agencies even after several attempts to correct by contacting them and disputing. They are reporting a collection balance currently of {$2000.00}. The balance was never that amount and I am not sure why they continue to report inaccurate information. While they have a right and obligation to report the information, it must be reported correctly and that is not the case.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
During the term where my loans have been counted as late is invalid. I was attending college through most of XXXX and through the beginning of the year of XXXX. I have documentation showing that I was in attendance through the XXXX quarter of XXXX which falls into XXXX of XXXX with XXXX XXXX. My loans by default should have been in deferment/forbearance for six consecutive months after my last date of attendance. I also extended my deferment for longer and refinanced the loans to consolidate them into one at a later date in XXXX prior to attempting to purchase a home for the first time. I continued to attend school throughout the years and was still in attendance until XXXX of XXXX. These loans should never have been considered late per federal student loan policy of deferments and school attendance.

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