BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2023-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account number XXXX as identified by Portfolio Recovery Services, presents the original balance as {$4000.00} and current balance as {$3600.00}. A recent payment of {$150.00} is presented as paid on XX/XX/XXXX. 

I have no knowledge of this account or {$150.00} payment that was made. The payment history reflecta a " C '' without a corresponding {$150.00} payment as reflected being made XX/XX/XXXX. 

A dispute was filed and the account information updated XX/XX/XXXX. The aforementioned item being reported is scheduled for removal this year, XX/XX/XXXX. 

In my opinion, this fraudulent {$150.00} payment is an attempt to extend the statute of limitations and in direct violation of the FDCPA established in 1978.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: FAIR COLLECTIONS & OUTSOURCING, 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 information incorrect

Complaint:
I set up a payment agreement XX/XX/2019 with this collections company for a debt that I had. They were supposed to send me updated statements monthly as well as report my balances to the credit bureau month to show my payments and the decrease in my amount. My monthly payments are about XXXX for 6 months and at this time they still have my outstanding balance as XXXX. This is affecting my credit score because it seems as though I havent made payments and its affecting my debt ratio. Ive made several attempts to contact them and they keep saying that they havent received my request or I have to wait.

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 2023-05-11
Company: Mercedes Benz Financial Services
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:
Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at 1935 XXXX XXXX XXXX XXXX, FL XXXX in XXXX XXXX XXXX did not give Mercedes-Benz Financial Services USA LLC permissible purpose , nor did a court of competent jurisdiction issue an order for Mercedes-Benz Financial Services USA LLC to furnish an inquiry to XXXX, XXXX. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. have both been placed on a Cease and Desist regarding this inquiry. Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are both violating the XXXX Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, Mercedes-Benz Financial Services USA LLC and XXXX, XXXX. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, XXXX. I, XXXX XXXX XXXX, XXXX, did not receive any benefit from this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Reporting company used your report improperly

Complaint:
I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter that was sent According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have the knowledge concerning any such items of information. 

They sate my accounts were verified but how could that be possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

List of the accounts disputed : 1. The following account is not mine XXXX XXXX XXXX Acct # XXXX ... .Date Opened : XXXXPlease remove it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
3. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
4. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX 5. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : 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 2022-06-20
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting An address belonging to a doctors office XXXX XXXX XXXX XXXX nj XXXX as my Address I have tried numerous times to get Experian to correct this information they are the only XXXX reporting false information Which violates my rights according to the FCRA My social security is wrong, My name is wrong multiple times

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 2023-03-22
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was the victim on an online job recruitment scam. I was sent a check for {$5200.00} to purchase materials with. I deposited the check on XX/XX/XXXX. I sent money through XXXX and XXXX to who I thought were XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they returned the check and I am now over XXXX XXXX dollars negative in my bank 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 explanation
Consumer complaint received 2021-05-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX or XXXX my husband applied for a XXXX XXXX exclusively branded by JPMC and which included a significant perk if approved by XX/XX/XXXX - companion ticket issued with eligible fares through XX/XX/XXXX. My husband XXXX applied and was declined. see attached. We attempted to investigate the cause and received an explanation that he had exceeded the number of allowable card issued within a 24 month span - no more than 5. His credit standing was better than mine. The attached letter sent to the EO office explains in detail the basis for the complaint -inequitable treatment in the acceptance and decline of a credit card. On XX/XX/XXXX I applied for the credit card and was immediately approved. I sent a letter to the Executive Office of JPMC challenging the explanation previously provided given the same circumstances. JPMC has been unwilling to conduct the investigation into why I was approved and XXXX rejected based on the explanation initially provided - 5 or more credit accounts opened in the past 24 months. In my case it can be demonstrated that I had opened 10 credit card accounts in the past 24 months but yet was approved ; in the case of XXXX, my husband, he was denied for having opened 5 during the 24 month period. 

On XX/XX/XXXX I submitted to the Executive Office of JPMC a request to investigate - request sent via priority mail and delivery confirmed - see attached. 

When no response of any kind was forthcoming by early XXXX, I was told to re-submit via e-mail - which I did on XX/XX/XXXX - see attached e-mail exchanges. The individual assigned basically told me the same information I already knew but did not address the issue of inequitable treatment of similarly situated persons - myself and my husband. As a result of JPMC 's decision not to provide any suitable explanation for the disparate treatment, I am submitting this complaint to the CFPB as it appears that JPMC 's credit decisions, absent additional information, appear to be arbitrary and draw into question inequitable treatment. I was approved immediately despite a lower credit score and having opened in excess of the # of accounts that JPMC communicated by phone would be allowable to permit acceptance. I counted 10 accounts opened within 24 months of making the application for the JPMC branded XXXX card. 

Ms. XXXX never provided any indepth understanding of the level of investigation I was requesting. She merely parroted what had been previously conveyed by phone during the XX/XX/XXXX telephone exchange with the JPMC credit department. No written response was forthcoming which I find curious. A written request should be followed by a written response from the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Self Financial 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 XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo customer for over 20 years. My account has experienced all the issues, with the exception of mortgage account, that Wells Fargo is being fined for. I have emailed WF regarding status of the settlement and that they did not communicate effectively for past settlement action that I would of been a part of. I emailed XXXX XX/XX/2023 and XX/XX/2023 and they stated the deadline has passed for fraudulent account issue. They requested my mailing addresses as I discovered their notifications in my spam folder. No response. I called the number offered on the website regarding the newest lawsuit and reported my concerns as they failed to contact me in writing for the last settlement action. 
Now they are stating that customers who were affected by the current lawsuit have already been paid. I have not received any notifications, again. The following is what I have endured over the years- I had my account frozen for a week and then had to open a new account years ago. They also applied debits to my checking account prior to the deposits. I have paid several overdraft fees and banking fees. I have also financed 2 vehicles through Wells Fargo Financial Services and believe that they added the extra insurance but did not issue a refund after both vehicles were paid off. They also affected my credit for stating payments late due to debit prior to deposits when I paid on my auto loan 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 explanation
Consumer complaint received 2016-10-27
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I 'm am receiving phone calls from Intergrated Services trying to collect a debt that my son owes, I explained to the person that he was calling my cell phone number and that I was n't the person he was trying to contact, he asked if I knew the person and I told him yes but we have n't spoken in about two years and that I did n't have any contact with my son, After the third phone call I requested that they no longer contact me about a debt that I did n't owe, His reply was that since I would n't give him any contact information I just became " XXXX XXXX and that I could pay my sons debt or continue receiving the phone calls '', I requested to speak to a supervisor and was told that " if you want to speak to a supervisor then I suggest you get out your credit card and start making payments '', I told him i considered this to be harassment and to stop calling me, his response was that " We ignore the word harassment '' He then asked " if my son was a XXXX and then asked why I did n't just tell everyone that he was '',

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Open a claim with chase for multiple transactions on my account that I didnt authorize I lost my entire wallet. And chase didnt even investigate they just denied my claim and closed it because of claim abuse which is total XXXX I use chase for everything and been using them for years. I am thinking about closing my account and closing all my family account to go to a local bank because this is totally unexplainable. The employee I call too was super rude didnt even help one bit and seem like she just wanted to get off the phone as soon as possible. The claim was for a total of XXXX and it was close in a day there no way you can investigate in a day! I am gon na seek legal action if this isnt resolve between me and chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief