BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX : {$130000.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance XXXX {$130000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$26000.00} XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX  XXXX Balance XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$35000.00} ( tied up ) XXXX XXXX Balance : {$26000.00} ( tied up XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: JPMORGAN CHASE & CO.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To be clear under the FDCPA, as a consumer I have a right to privacy in which youve intentionally continuously infringed upon without my content. After being put on numerous notices that I refused to pay this alleged debt and to cease communication regarding this alleged debt with all persons included consumer reporting agencies. In which I never gave neither company the authorization to share my nonpublic personal information without my consent. You are required under federal law to comply with my cease-and-desist order and to only advise me that your further efforts are being terminated but instead youve continue to ruin my reputation and provide unvalidated documents for which I did not request! Im demanding you to stop harassing me, by ruining my reputation over this alleged debt in which I dont not validate and refuse to pay which is my consumer right under federal law. No judgement has been provided in reference to this alleged debt nor do I personally have a contractual obligation with you. Therefore, under federal law for your failures to comply with numerous of provisions under the Act, you subject to any actual damage sustained as a result of such failure. Our correspondences are evidence that these violations were intentional and did not result from a bona fide error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-06-14
Company: CITY CREDIT CORPORATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was sent a letter about a debt owed in the amount of {$390.00}, dated XX/XX/XXXX, I sent a payment of {$200.00} in XX/XX/XXXX, because I had just gone back to work. After I paid the {$200.00}, I received a lawsuit stating I owed the company {$390.00}. I was not given credit for the amount I paid. I wrote the attorney that the company hired and sent in a copy of the money order that had been cashed months ago by the company. Showing that the company gave the lawyer false information. The attorney again filed false information to the courts on XX/XX/XXXX, stating that i owed {$39000.00} ignoring the facts that I only owed {$190.00} and file again false information in court which i am writing the Supreme Courts against the lawyer for filing false information to the courts and getting a judgement with false information. When i made this loan the company did not give me credit for interest when paying off another loan it was combined with this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied and opened a Banco Popular credit card account on or about XX/XX/XXXX. 2 months after opening the account XXXX with initial credit line of {$15000.00}, with 0 % interest, Banco Popular placed a hold on my account, verified it and reopened it after tow months. The would not allow me to use the card for more than {$500.00} per transaction and every transaction over {$500.00} was always declined, no exception. On or around XX/XX/XXXX Banco Popular let me use over {$1000.00} ( I didn't even noticed it, since I was assuming they will not honor a authorization request if the authorization would pass the initial credit limit. After I received the statement I saw that Banco popular was requesting the minimum payment plus the full over limit amount, which was over {$1300.00} dollars ( I don't remember the correct amount ). That was unaffordable for me and I contacted Banco popular and asked them to either increase the credit line to current balance, so I could just make minimum payments or instead of demanding the full over the limit amount make arrangements to pay with smaller payments. They refused. And since my income was not sufficient at that time to make that large of a payment I was forced to involuntarily destroy my credit standing. After couple of months of reporting my account as late other creditors too, started to lowering my credit limits and closing my accounts, siting sudden score drop. And by XXXX of XXXX most my accounts were closed, even though I paid them every month on time. I have attempted to contact Banco Popular many, many times with requesting statements for the last 6 month before the account was closed and they never complied. I believe this bank is engaged in predatory banking practices. Please help me resolve this issue. Banco Popular is reporting to all 3 credit bureaus as my account being charged off with over {$18000.00} balance on it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2018-07-25
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:
hi I was unable to understand how this could be a true relivance in my life at the moment never could anything llike this could be so relivent I paid the entire balliance off and surpassed the time frame in which I would be an individual whome could of been burdend by any suspicion im un aware of the way this came about.

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 2023-12-21
Company: TRUIST FINANCIAL CORPORATION
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 noticed after looking at my credit report that I had a few hard inquiries, that I didnt recognize. I have not given anyone permission or any form of authorization to run my credit report. Could you please remove this from my report. I have no knowledge of any of these accounts. These inquiries involve identity theft and must be removed no later than 4 business as per U.S Code 1681c-2. Please and thanks

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 2023-05-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened this account to have my unemployment benefits direct deposited into it and at the time the Bank Rep did not fully disclose all the fees I would incur with not maintaining a certain balance or fees for use of my atm card. When I tried to close the account I had many fees pending that I had to resolve before closing the account and it being sent into Collections. The Rep was only interested in keeping her numbers up for account openings.

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 2023-01-09
Company: EQUIFAX, INC.
State: NC
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 submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights. 

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights.

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit.

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit.

I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My car was illegally possessed on XX/XX/15 with no communication from Westlake portfolio management. Ive contacted them asking for proof of purchase of my vehicle, asked for my original agreement they failed to provide it. But illegally took a vehicle that doesnt have their name as the Lein holder. I need my possession back to my residence because nothing was agreed or settled to even take a car thats not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: GOLDMAN SACHS BANK USA
State: MD
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/XXXX I was charged XXXX on my apple card ending in XXXX. I began receiving hundreds of spam messages and mixed in the middle was a XXXX  receipt from XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States for Invoice # XXXX XXXX XXXX XXXX XXXX ( XXXX sq. ft. ) XXXX  hours {$1200.00} Includes... 
- Interior/Exterior Photography - AI Post-Production Enhancements XXXX FREE Blue Sky Replacement for Cloudy Days on up to 5 photos - Comprehensive On-Site Layout Assessment. 
- Branded 8.5 '' x 11 '' PDF Floor Plan suitable for printouts and brochures. 
- Unbranded Floor Plan linked directly to MLS once listed. 

I have no such building for onsite photography and assessment. if this were authentic, an address and connection to be would be easily produced. 

the charge was upheld on XX/XX/XXXX. 

I reiterated the fraudulent and authorized nature and requested their gathered evidence. no evidence was provided and the charge was restored on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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:
Name : XXXX XXXX XXXX XXXX : I am a private personal consumer submitting a complaint concerning me being a victim of identity theft. XXXX, Experian, and XXXX, Shared my personal non public information without my full disclosure or written consent. I do have the personal right to privacy that has been very abused and that is a violation under the Gramm Leach Bliley act of 1999. These violations have compromise my non public information and resulted in my identity theft. I demand all accounts be removed in the next 5 business days as stated under law. US DEPT OF ED/XXXX # XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
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'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-06-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This complaint is to JP Morgan and Chase Auto Loan. 
State farm sent a cashier check off this item in XXXX of XXXX. I have included the necessary paperwork for it in this complaint as well. JPM Chase received the information but has not cashed the check, instead chose to keep adding fees to the item. 

I communicated with XXXX XXXX through XXXX - XXXX, and they sent another Cashier check for the payoff on XX/XX/XXXX. The cashier check was delivered on XX/XX/XXXX at XXXXXXXX XXXX Signed by XXXX, with tracking number XXXX. JPM Chase Auto has still yet to cash the check. They have instead decided to keep hitting my credit report with late payment and charge offs and included fees. I have disputed this item with the Credit Bureaus and with JPMorgan Chase Auto which states that the information is valid, despite the fact I have included all of the paperwork that I am sending into the CFPB as well. I feel that this is my last option to get this corrected. I am attempting to get a home loan, and this item violates the FCRA, and FCBA from what I have read online, they are refusing to cash they payout at our agreed upon amount, and instead, choose the add late fees. The cashier check was received ( as stated in the XXXX XXXX I have uploaded ). 

I have also attached a Credit report ( dated XXXX XXXX ) of the item in question : JPMCB Auto - Account XXXX. One can clearly see the increased fees from the payout due to them refusing to cash the check. 

My loan officer said that this inaccurate item is preventing them from refinancing my home. I turn to the CFPB for them to conduct an investigation on this item so they can get JPM Chase to cash the check as we agreed and report a XXXX dollar balance to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX  compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX  compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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