BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that you are in direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting information about my account without my consent. The specific laws that you are violating are listed below in this notarized letter, according to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) laws, rules, and regulations. 
No one has received my written or oral consent to publish any transactions to my consumer credit report, which is a violation of 15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title. 
I demand that you email me a copy of my consumer report you have in file immediately since this will be the second time I ask for this and have yet to receive it. 

I have provided my license and paystub for immediate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: P&B Capital Group, LLC
State: FL
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:
As of XX/XX/2023, P & B Capital Group LLC, has been reporting inaccurately and violating my consumer rights. First, I do not have a signed contract with P & B Capital Group LLC. My consumer rights were violated which states per 15 USC 6802 ( b ) ( 1 ) ( B ) that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. No consent was provided by this company. P & B Capital Group LLC also violated consumer law 15 USC 1681b ( a ) ( 2 ) Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations. Again, no consent was given to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been trying to get the following accounts removed from my credit report. I sent a certified letter requesting specific information on 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 explanation
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Denied credit for irrelevant reason through an automated scoring system. A manual credit review needs to be conducted. CHASE appears to be ticked off that the government made them write-off a mortgage loan over 10 years ago for predatory ending tactics. This appears to be retaliation for that cancelled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.

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 2021-10-15
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2022-02-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: IL
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:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

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 2023-03-01
Company: EQUIFAX, INC.
State: KY
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:
Upon reviewing my credit report I saw that XXXX XXXX reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : XXXX XXXX XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on XXXX XXXX Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX : {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card with Chase Bank, and I called and asked for a payoff amount and paid off the balance immediately on the phone with the rep and requested that the account be closed. Rep confirmed to me that the payment went through, and the account is closed. A month later, i get a statement for amount due. Called the bank and they indicated that it was interest that was due on the last statement. Apparently the payoff balance did not include accrued interest thru the date of payoff. I should not be held responsible for them quoting me an incorrect payoff. I consider the payment to be full and final settlement of my balance. Any system inadequacies on the Bank 's part in arriving at a payoff quote should be their error and their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Self Financial Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I noticed some unauthorize charges on my Self Finacial Credit card app from XXXX and XXXX XXXX. I contacted Self financial and informed them that I did not authorize these charges and that my credit card must have been breached. I was informed that my credit card would be cancelled, and I was given an email to reorder a new card. I never reordered a new card because I wanted to have the issue resolved before I continue to use their services. Initially after an investigation I was informed that the charges would be removed. I then received a letter in the mail that the charges would be reinstated because self has documentation that I authorized the charges and if I would like the documentation, I could call the number on the letter and receive a copy of the proof. I contacted Self on 2 occasions requesting this information. The only thing I receivds was a copy of the first letter ( I have attached ) 5 times with no proof of authorization. I am requesting to have this investigated. 

XX/XX/XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX XXXX  {$21.00} XX/XX/XXXX XXXX XXXX  {$37.00} XX/XX/XXXXXXXX XXXX XXXX {$39.00} XX/XX/XXXX XXXX XXXX {$36.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Exeter Finance Corp.
State: IL
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:
On XX/XX/2021 I sent a certified debt verification letter per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. to EXETER FINANCE LLC located at XXXX XXXX XXXX, XXXX, TX XXXX XXXX. 

On my credit report, Exeter has reported a balance of {$13000.00} along with other negative items that have affected my credit. On XX/XX/2021 at XXXX XXXX my certified letter was successfully delivered to Exeter Finance. Their offices failed to respond to the validation request within 30 days from the date of receipt and did not delete and completely remove the negative marks from my credit file. 

Instead, on XX/XX/2021 Exeter finance and XXXX XXXX XXXX XXXX stole my vehicle from my home which is private property. Not only did Exeter not respond to my certified letter requesting verification of the debt, but they have also violated the following laws : - 15 USC 1692g Sec. 809 ( b ) - 15 U.S. Code 1692e - 15 U.S. Code 1681- Illinois Statutes Chapter 810. Section 9-609.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have been disputing LVNV FUNDING LLC on my credit profile because it was a result of identity theft and the charges are fraudulent. I DO NOT OWE NOR DID I HAVE ANY ACKNOWLEDGMENT OF THIS ACCOUNT. I have disputed with XXXX, XXXX & XXXX. Also On this account there is also Many inaccuracies as XXXX and XXXX are not saying the same information. I am distressed that LVNV FUNDING LLC has included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: OH
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 checked my credit profile a few months ago and noticed there was multiple Fraudulent accounts on my credit profile. I contacted all of the accounts and i let them know that these accounts are not mine and in fact fraudulent due to identity theft. They asked me to reach out to XXXX, XXXX XXXX Equifax and i did. Neither company has responded nor removed the fraudulent accounts. I filed a report with The FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started an application on XXXX XXXX for a cash out refinance and spoke with Loan officer XXXX XXXX at Amerisave. I gave him all the info of how long I lived in my home and when last refinance closed. He stated my application was approved and sent me a loan estimate and conditions that needed to be submitted and stated I would need to pay a {$500.00} application fee before moving forward, in which I paid. While submitting conditions, I researched and had concerns about their approval and asked the Loan officer if I would still be able to refinance since I just closed on loan less than 6 months ago. He stated he would find out and let me know. At approximately XXXX XXXX XXXX, on XX/XX/XXXX, I received a call from Amerisave ( XXXX XXXX ) and he left a message. He stated that would not be able to move forward refinance until XXXX of XXXX after 6 months has passed and he would go ahead and initiate a refund of application fee ( {$500.00} ), nothing further I needed to do. I waited several days then emailed XX/XX/XXXX at XXXX asking about refund to no response. XX/XX/XXXX at XXXX I texted the number he texted me on before and asked for update, he responded and said he would now initiate and will send confirmation soon ( XXXX XXXX ). I have never heard back after 3 more attempts to get update and still no refund after being told on XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was banking with chime back in XX/XX/2022 they closed my account for whatever reason I wasnt notified about my account I informed the company that my account has been hacked TWICE! They told be me to send in the documents that was required which Ive done MULTIPLE TIMES! and I still dont have the money that is owed to me from when they closed my account the amount that is due is {$250.00} Ive contacted them through their 24/7 support chat no response this has been going since XX/XX/XXXX which is when my account closed it now XXXX and I still dont have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX {$4200.00}

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 2021-10-15
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter to the CRAs regarding a wrong and strange account on my consumer report. To this day, over 90 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately ; it has been 90 days, so they should be deleted promptly. I demand this account be deleted immediately, or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach, and I have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation