BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: EQUIFAX, INC.
State: NV
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:
Someone has been used my information to open accounts. Ive sent letters to the Credit bureau 4 times and I havent heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SinglePoint GI
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter from a company called General Revenue stating I owe them {$5500.00} from an alleged debt owed to XXXX  XXXX XXXX. I pulled my credit report to also find General Revenue as a debt owed. I have never heard of this company before and have no legal obligations to pay them. On XX/XX/XXXX, I sent a certified letter asking the company to validate the debt. The letter was received and signed by General Revenue on XX/XX/XXXX. The letter also stated to cease and desist all collection activity during this 30 day timeframe of validation. General Revenue sent me a statement from Indiana XXXX XXXX, but the statement did not validate the debt showing my signature as a legal agreement to pay a debt to General Revenue. So General Revenue continued collection activity on XX/XX/XXXX at XXXX XXXX. I received a voicemail from XXXX XXXX attempting to collect on a debt that was never validated and I put a cease and desist in writing asking the company not to contact me. I consider this harassment, especially since I was not provided the proper documentation validating a debt they claim I owe. I contacted General Revenue and asked for a manager and they put a team lead on the line by the name of XXXX who said she would have her manager call me when she returns from lunch. I received a call from a manager representing General Revenue by the name of XXXX who stated they validated the debt and it was within their rights to continue collection activity. I have the conversation with XXXX and XXXX on recording for proof. Per FDCPA, I requested validation of a debt owed and told the company to cease and desist collection activity and she and her company completely disregarded my demand. I am filing this complaint with the CFPB for a violation of FDCPA guidelines and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to urgently dispute delinquent payment statuses on two XXXX XXXX credit accounts I never received, which have significantly impacted my credit score. These accounts are inaccurately marked as delinquent due to circumstances beyond my control, requiring immediate rectification. 

The accounts in question were closed by me on XX/XX/XXXX and XX/XX/2023. Despite this, they continue to tarnish my credit report with delinquent payment statuses60-89 days late for one and 30-59 days late for the other. 

The root of this issue is twofold. First, when I spoke to the payments collectors to pay off the entire account balance and close both accounts they apparently closed the accounts but only paid the minimum balance ; second, I never received the XXXX XXXX cards via mail, making it impossible for me to log in and make the required payments. I initially applied for these cards to take advantage of a discount offer, not anticipating the ensuing complications due to their non-receipt. 

Given that the delinquent statuses are due to systemic issues and not any fault of my own, I urgently request that the CFPB conduct a swift investigation to correct these errors and amend my credit history to accurately reflect my financial conduct. I stand ready to provide any additional documentation or information as necessary.

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 2018-05-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
A medical collection was added to my account. I never received a bill in regards to this. Also this violates HIPA. I contacted the collection agency and they stated that this would be removed and credit bureaus have failed to remove this.

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 2018-10-17
Company: SYNCHRONY FINANCIAL
State: GA
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:
SYNCB/XXXX XXXX Account # : XXXX was opened in name without my consent. Therefore, this fraudulent account needs to be deleted and removed immediately from my XXXX 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 non-monetary relief
Consumer complaint received 2022-12-12
Company: MOHELA
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Stop communicating information to all consumer reporting agencies. Acct # XXXX According to 15 USC 1692a ( 2 ), the term XXXX means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic or other medium. Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by Mohela will amount to communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights per 15 USC 1692c ( c ) I am hereby providing you a formal notice to cease any further communication regarding this account immediately. This includes but not limited to telephone calls, emails, social media and any Consumer Reporting Agency.

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: PA
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  is reporting an old account on my credit file incorrectly across the 3 credit bureaus. This inaccurate reporting is very damaging to my credit report. 

the account is being reporting different to each bureau - EACH BUREAU HAS INACCURATE REPORTING BY XXXX XXXX XXXX ( SEE ATTACHMENT ) XXXX  XXXX - 17 late payment reporting including 6 months of being reported as XXXX Equifax XXXX - 5 late payments, ON TIME payments for XXXX and the account was charged off XXXX SEE ATTACHMENT ) XXXX XXXX - NO DATA XXXX XXXX is reporting this account different to each bureau ( SEE ATTACHMENT ) to XXXX they report 30-120 day lates from XX/XX/2017 to XX/XX/2017. From XXXX XXXX XXXX they are reporting XXXX To Equifax they are reporting that i was paying on time. XXXX has no data. 

this inaccurate reporting has been going on for years, under the FCRA I'm entitled to fair and accurate reporting to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX  {$0.00}

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 2022-12-12
Company: JPMORGAN CHASE & CO.
State: PA
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 used chase credit card. My ex who was a scammer scammed me and paid off my card which had a balance of XXXX. He used fake accounts to pay it off. I went and got gift cards on the chase credit card and he paid thos off as well. Chase never told me the payments were denied until i spent XXXX. I had my account set up for alerts and i even called them to make sure the payments were made and from legit accounts and they said yes. A month later they sent me mail saying the payments were reversed. Upon checking records they were canceled 4 days later upon payment. So i dont know why ut took a whole month to notify me. Thank XXXX i didnt get more cards and out myself in more debt but if they had told me when i called that the payments didnt go through i wouldnt have gotten more gift cards. Chase is at fault since they did not notify me even thiugh i have all alerts set and even thought i called them a few days later. Its as is they did it deliberately to get my money. Now im stuck paying off a {$8000.00} bill which was all due to a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account # 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 non-monetary relief
Consumer complaint received 2022-12-12
Company: ALLY FINANCIAL INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Statements that I am opening other cards are being sent to XXXX. I have closed this account nearly 5 years ago and have never opened another account. This conduct is harming my credit reporrt and XXXX Score.

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 2021-05-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
Starting 90 days ago I reached out to Chexsystems to advise them that per my consumer reports that they were in violation of many of my federal consumer rights. They continued to respond to me with a response that their information Was verified and accurate. I tried again 60 days Ago and 30 days as above and yet and still They provided me the same reason which you can see for your self per exhibit A, Fact the fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in XXXX to address fairness, accuracy and privacy of the consumers. 
Fact per proof on exhibit A that Chexsystems is in violation of 15 usc 1681b ( a ) ( 2 ). Permissible purpose. I never Provided XXXX with written consent to report anything on my consumer report/ file. When there is no consent that is identity theft. 

Fact per proof attachment labeled exhibit A that Chexsystems is in violation of 15 usc 1681a ( 2 ) ( i ), as myself the original creditor defined by XXXX only I can Validate a debt and I do Not validate this debt. 

Fact per attachment exhibit A Chexsystems is also in violation of 15 usc 1681a ( 2 ) ( b ) which the law that any authorization or approval of a specific extension of credit directly or indirectly by the issuers of a credit card or similar device. Chexsystems stated that they verified This item, but that is not true, Im the original Creditor Im which I Unable to extend credit to myself. 
Per fcra civil liability for willful noncomplaniance per 15usc 1681n ( a ) 2 ( I ) federally consumer laws were violated and the due amount to me is {$3000.00}

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Fraud was made in my acct. I was not notified that a check was signed and deposited via atm and also a {$1000.00} withdraw was also made from an atm with out my approval. I usually get notifications via fraud text messages for approval. I live 1 hour 30 mins away from area atm was used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Ford Motor Credit is showing a late payment ( 30,60 day late ) on all three of my credit reports. The loan was opened XX/XX/XXXX and paid in full by the insurance company. The original loan amount was for {$79000.00}. XX/XX/XXXX & XX/XX/XXXX show to be missed on my credit reports. I spoke with Ford Motor Credit in XXXX of XXXX explaining to them that I was in a serious car accident hospitalizing me for several months. Due to the Corona Virus outbreak being so new and unknown to everyone at the time, everything was shut down. The insurance company was unable to visit the site where the vehicle was towed too in order to confirm the vehicle was a total loss until two months later. Once they confirmed, they paid off the vehicle in full. While being hospitalized during this time, I called Ford Motor Credit to explain the situation. The response given was due to the Corona outbreak, we understand most businesses are closed and will not report any late payments while we wait for the insurance company to pay off the vehicle. This was not the case. They reported the late payment to all three credit bureaus. I called them afterwards and they refused to remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hi my name is XXXX XXXX I lived at XXXX XXXX in XXXX XXXX  from XXXX owner original debtor this case was sent to XXXX XXXX and we agreed on settlement which include me vacating the rental property and owing XXXX XXXX All legal documents in hall of records to prove I dont owe.

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 2023-10-26
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX line of credit, fixed. Paid off., closed account, claims I owe XXXX more dollars, I disputed, three different times, each time, they. They claim they fixed. Said they had issues with computer glitches,., Then time went by and they started sending me, this request again. I do not owe XXXX from a XXXX credit limit XXXX.Paid off., which means they move the goal post, so they can get more money from us.I reported to credit XXXX, etc XXXX Harassment stoped for awhile, now they started back again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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 have tried to resolve this inaccurate/incorrect information with all 3 Bureaus. None are compliant. I have disputed and a through investigation hasnt been done. In-fact all inaccuracies and errors have remained on my account. I have verified my identity and sent certified letters.

All 3 bureaus have violated my rights and broken several laws.

According to 15 U.S.C section 602 A states i have the right to privacy. As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section also 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.

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 Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 

XXXX/Dept of ED Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

These accounts need to be deleted immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Westcreek Financial
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Had my vehicle repaired at a friend 's place of business. In the past, the owner had allowed me to make payments if the bill was large. This time, she said she was unable to, due to the larger amount of the bill ( {$1100.00} ). She stated she knew of a company that she had previous dealings with that may be able to help, and gave me their website address. I applied and was accepted. Feeling I had no choice, since I need my vehicle and can not afford to purchase another, I accepted all terms and conditions. The entire transaction was accomplished online. Upon further thought and investigation, I realized the loan would cost me about twice the amount of the bill over the 1 year term of the transaction ( 12 monthly payments of {$190.00} ). Nowhere in the transaction terms was an interest rate mentioned ; rather, the transaction is referred to as a " rental ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
My information was shared some inaccuracies and things from someones background

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, 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:
Please be advised that as of today as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX ( XX/XX/2022 ) XXXX ( XX/XX/2022 ) * XXXX  XXXX XXXX  XXXX ( XX/XX/2022 ) I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax the right to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless they can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries. It is Equifax 's duty to accurately report information and as of now they are not doing that. I look forward to someone resolving this matter with this initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by this company, XXXX XXXX XXXX XXXX, without ever having received any documentation from them. Also, the debt they are proposing to collect on belonged to another agency and I have received no documentation of assignment of debt, validation of debt, or any contact information. They have contacted me several times and I have now, thanks to the records of the Massachusetts Division of Banks, found that this agency is in fact NOT licensed in Massachusetts for Debt Collection.

Company response to consumer: Closed with explanation