BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally Financial has validated my consumer right to rescind my auto loan. I have sent several letters explaining that I am exercising my right to rescind the auto contract. I was never told about my right rescind from the binging of the contract. I was never giving any information or had anything explained about a right to rescind. I even emailed an associate XXXX who has been responding to my letters. After further looking into my contrast I noticed a lot of mistakes on my paper work. At the time I was not knowledgeable about auto contracts and as a consumer it seems as if the dealership and Ally Financial has been taking advantage of me the consumer. The only thing that as been address is the finance part of my contract but not any of my other issues with Ally Financial. On my original paper work there are no signatures from Ally Financial or the XXXX. As I explained to XXXX XXXX since I was never giving any information about my right to rescinded and adding a downpayment to the transaction went against XXXX. I even sent XXXX XXXX emails of the contracts that were not signed and still the company is refusing my right to rescind. As a consumer I have rights. It states on my bill of sale that if an XXXX XXXX  signature is not present the contract is not binding. So why is that not beginning addressed and why is my rights as a consumer beginning ignored.

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 2021-05-13
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX, I filed a claim to Chase saying that I did not receive my Bitcoin that I purchased from the company XXXX. 
There fore I opened a claim, but instead the initial representative put on the claim that it was a duplicate charge and not authorized ( it was not and I did authorize the transaction I just didnt receive what I paid for ). I got a provisional credit on XX/XX/XXXX, thinking everything was fine and they would solve this problem for me. Then, I received and email on XX/XX/XXXX saying they were taking the {$700.00} dollars back from my account because they found it was not a duplicate charge ( never said it was duplicate ). I immediately called Chase, and talked to a Supervisor, and told them the first representative on the claim made an awful mistake and filed my claim wrong ( making it so it wouldnt be in my favor? ) The supervisor then had me fax over proof of me not receiving my goods and various other proofs. I thought all would be fine and they would handle this problem diligently this time. To my surprise they did not, they sent another emailing telling me these charges were authorized and were not duplicate. I had never once said they were duplicate charges or not authorized, just that I didnt receive my goods. Chase is obviously negligent to their customers and do not take thorough time studying claims. Not to mention I have every single phone call recorded ( even the first one where I filed a claim as not received and the ones with the supervisors ). This is for claim # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-11-01
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
My credit report that is being reported by Specialized Loan Servicing is showing that I owe them over 2 million dollars. This is incorrect. They are also showing many, many late payments. I was not late on my mortgage. 
I need this corrected and I need to start receiving mortgage statements. I do not receive any mortgage statements. 

Please help me.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-08-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower experiencing hardship since XX/XX/2017 but found that property was not marketable at a price that would satisfy loan in full so started the short sale process. Property was under contract with 'conventional loan ' purchaser. Due to the lengthy process buyer asked to be released from the contract. Parties were told that HUD denied the offer because of the 3 % closing help but we were told later that file was denied because short sale application package was not complete. Meanwhile, Seller relocated thinking they were closing because nobody could get the story straight and XXXX XXXX   vendor took possession of the property by cutting AGENT lock-box off and winterizing the property creating a whole NEW set of issues as property went back on the market but not able to perform home inspection. Went under contract again but XXXX XXXX ( sub-servicer of LAKEVIEW LOAN SERVICING ) closed file on a CASH OFFER due to not having proof of funds when they were contacted 2 weeks prior to submitting and were told sale was contingent upon sale of existing home within in weeks of offer. Meanwhile, Buyer was able to prove they had had funds but made them start the process ALL OVER FOR THE 3rd time - RIDICULOUS! They continue to lose documents provided so proof of funds have been given to them multiple times and now they say they expired. Have never once spoken to point of contract nor have they ever returned our calls. Communication HORRIBLE. This buyer is now asking to be released if no approval by Thursday. NO MORE EXTENSIONS TO CONTRACT. LAKEVIEW has no employees, recorder instructs you to pick # for sub-servicer. (??? )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX notified me that I owed them {$54.00} for using their XXXX XXXX  toll payment option for a car I rented at XXXX XXXX. I don't remember agreeing to this and when I researched this matter, I determined I was not alone as a class action settlement * was approved in Florida in XXXX. 

I fought this charge through several channels and was finally credited the {$54.00} charge. 
======================================= XXXX XXXX  XXXX XXXX Posted On XX/XX/XXXX Type Credit {$54.00} ======================================= In XX/XX/XXXX, XXXX placed the billed amount plus an {$11.00} fee in collection with Transworld Systems , Inc. ( TSI ). When I asked XXXX why I was in collection after my account was credited, they told me my bank ( the one who has my XXXX credit card ) must have authorized this. I called the bank and here 's what I received- ( " The merchant has now agreed to credit your account for {$54.00} '' ). ** After multiple calls, XXXX agreed to collect just {$54.00}. I decided to pay them on XX/XX/XXXX because I feared that a collection account on my credit report would cause years of added expense from potential creditors, insurers, etc. I then followed up with TSI to be sure XXXX directed them to halt collection efforts. And while TSI told me my case was settled, they claimed they had no way to determine whether the collection account would appear on any credit reports. 

I thought it made sense to speak up. 

Thank You. 
========================================================== * Office of the Attorney General, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have never had a single late payment on XXXX of this account. All the information is incorrect. I want it to be reviewed and removed as soon as possible. 

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 non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with 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. 

XXXX XXXX : # XXXX 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 a account without my written instructions 15 U.S.C 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 by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: AL
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 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 2023-04-05
Company: Experian Information Solutions Inc.
State: AR
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 am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. My vehicle was broken into, and my wallet was stolen, which included my Georgia Identification, credit cards, and other items. I have already filed a police report. Since then, all my accounts have been used fraudulently because of the identity theft. As a result, I do not recognize any of the transactions on my credit report and none of the transactions relate to me. 

Dealing with this identity theft has been stressful and has caused me so many issues.

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 2023-05-02
Company: EQUIFAX, INC.
State: SC
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:
Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, XXXX, and Equifax had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but XXXX and equifax refuse to perform a INVESTIGATION! I am concerned that XXXX, Equifax, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NEW & UPDATED INFORMATION This will be the XXXX attempt of getting a debt validation from Receivables Performance Management they had said within their second to last response, which is attached that that they have sent Debt Validation on XX/XX/2022. It is now XX/XX/2022, and I have yet to receive anything from Receivables Performance Management. Again, the only thing that I received was an encrypted email from persons claiming to be Receivables Performance Management which I did not opened because of the possibility of a scam, and a letter from Receivables Performance Management of them attempting to " settle '' the account AFTER I have sent them my debt validation request. All of my supporting documents are attached. 

Receivables Performance Management also continues, after I have made them aware several times, to indirectly communicate with me about this alleged debt through the medium of my consumer report. At which point Receivables Performance Management is willfully and maliciously violating both the Fair Debt Collections Practices Act, and my rights as a consumer. 

If Receivables Performance Management, did in fact send the debt validation on XX/XX/2022 I ask that they send proof.

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 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America closed my account and accused me of fraudulent activity. They reported me to XXXX XXXX and XXXX XXXX. This is completely inaccurate and probably libelous. They need to remove it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief