BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Experian Information Solutions 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:
I Sent a letter off on XX/XX/2022. With tracking number. To remove personnel information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also, according to 15 USC 6802, No financial is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2019-08-26
Company: RentDebt Automated Collections, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by RentDebt Automated Collections LLC in XX/XX/XXXX about a debt listed under my name to a previous apartment complex ( XXXX XXXX XXXX ) that I had resided in between XX/XX/XXXX to XX/XX/XXXX. The company claims that I owe around XXXX $ due to apartment cleaning. When I asked them to provide proof that the debt was mine, the only evidence they could send me was my signed lease, which I do not consider proof that I owe this debt. 

The address they have listed on the itemized statement is incorrect, and lists an entirely different apartment complex and apartment number. I have never lived at this address, or rented from that property. 

A month before moving out of the apartment complex, I made sure to pay in full, as well as give XXXX XXXX XXXX my correct forwarding address as well as my cell phone number and email address. I have not changed any of my contact information since then, so XXXX XXXX XXXX could have contacted me at any time about this. I have not heard from them in the year that I have been gone, nor do I have any record of them calling me on my phone records. This debt has been quietly effecting my credit score for a year, which is very upsetting. 

Further more, I believe that this debt company sold my information, as I now am being harassed by scam numbers daily. It is not uncommon to get as many as 14 calls from a single number IN A SINGLE DAY. It is effecting my personal and work life, as my phone constantly rings. Not only am I getting spam calls, after sending a written letter for RentDebt Automated Collections to cease contacting me, they continued to contact  me via phone call about the debt. I will be willing to provide my phone records if need be. 

I will uploaded all documents pertaining, including my letter of denying the debt, as well as their mailed documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Bright Capital Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello, For a period of time I had an acct with this company. They require linking of your credit and debit cards plus an ACH from your bank. This is supposed to be so they can move a small portion from your bank acct every so often into a savings acct for you. The issue is now that I no longer do business with this company, it has been IMPOSSIBLE to fully cancel. I have called, they have a recording that says to send an email. I emailed for months and finally got someone that said they would stop the charges and close my acct. They stopped withdrawing money from my bank for a few months but now they're doing it again and now I'm back at square one. When I spoke to my bank ( XXXX  ) they told me to reach out to the entity for a resolution since it is an ACH. You know how that's been going. I just want to have peace of mind with my banking and end this terrible, regretful business relationship with Bright Money. Imagine this, every few days 2 charges from a company you don't do business with is taking money from your acct a few cents at a time. XXXX cent here, XXXX cent there. That isn't a major amount of money but it's mine just the same. Please please please help me bring an end to this terrible situation and prevent others from experiencing the same. I have the emails from several of their employees claiming to be able to stop these charges and cancel my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX Late Dates 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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-04-17
Company: EQUIFAX, INC.
State: NC
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 these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Bayside Capital Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
they threatened a relative left voicemail on relative answer machine they were serving me a certified letter at their residence XX/XX/XXXX18 for an outstanding debt. i have told this company mynumber an my number only. they have called that relative before and i told them they broke federal law-they laughed when i told them i was filing a complaint with the CFPB. They wont even tell me there legal name-i have asked where they are located and they call 5 times a day from diffrent numbers. they say there name is XXXX XXXX they call from XXXX-they guys name is XXXX XXXX he says. THe realtive called the sheriffs department today. NOthing is ever done to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to a mistyped bank account number ( either due to misreading a number on our part or a typo on their part ) on an Electonic payment set up my mortgage payment, the payment did not go through, and the mortgage company did not inform us of the problem until after 30 days had passed by way of a foreclosure notice that arrived on day 2 after month end. they claim to have sent notices but that is patently untrue. This company is gaslighting me. I promptly paid that missed payment the day we learned of it and the account is up to date. I requested as a client concession that, because of the honest error of a typo, that they not report this to the credit bureaus. I contacted them several times and they simply repeat back what I have explained and then give a scripted answer stating that they will not honor my request for a waiver or reporting this. 
This company is very dishonest and should not be allowed to operate in a retail financial services industry. The XXXX XXXX XXXX is full of complaints similar to mine, and I feel that a regulator should be aware of their tactics. 

I am attaching their last letter which us just a regurgitation of prior correspondence without any indication of a willingness to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Credit Control, LLC
State: DE
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:
Over 10 years ago, we had an issue with an account with XXXX. We used an account with them to purchase a computer for our daughter, but it was paid off within a few years. Then, we started getting collection calls and letters about charges on the account we did not make. It took us over XXXX years to finally get the account off our credit report. 

Last month, we received notice the account had been " sold '' to a collection agency. We immediately reached out to let them know that this account was well over the statute of limitations and had been deemed not to be ours a decade ago. 

Today, we got a letter from Credit Control LLC demanding payment even though their letter indicates the debt can not be collected and is past the statute of limitations for a lawsuit. This is predatory debt collection as we proved XXXX years ago we did not owe this money.

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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX Inquiry : XXXX XXXX, 2019 XXXX , XXXX Inquiry : XXXX XXXX, 2019 XXXX , XXXX Inquiry : XXXX XXXX, 2019

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 2023-11-03
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from 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 2023-04-20
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX our firm issued a check in the amount of {$10000.00} drawn on our Chase checking account for XXXX 's rent. It was payable to XXXX XXXX XXXX. On or about XX/XX/XXXX I received a telephone call from XXXX  XXXX XXXX ( paying bank ) questioning intended payee. They acknowledged that the check was payable to XXXX XXXX XXXX  but had been endorsed by and deposited into an individual 's account. XXXX   recommended that we contact Chase 's Fraud Department which I promptly did to request credit to our account for this check which they acknowledged had not been properly endorsed. At about this time the Landlord questioned why rent was not paid so we were obligated to issue a second check for {$10000.00} expecting Chase, upon reviewing the check they had improperly paid from our account ( the check was endorsed by an individual, not the payee, a national bank ) they would promptly credit our account. This they failed to do. Instead they embarked on a process to delay addressing our claim. Instead of promptly making available their " required claim forms '' Chase delayed for weeks in providing them. They were provided on XX/XX/XXXX and submitted on that date. On XX/XX/XXXX Chase requested that same form be resubmitted. On XX/XX/XXXX Chase advised it would take 90 days to resolve. It is clear that both payeeing bank and Chase acted in violation of the UCC and our deposit agreement with Chase in paying this check without checking the endorsement and thus paid over an improper endorsement. Apart from being out over {$10000.00} we are aggravated by the fact that Chase has taken the position that our firm acquiesced, to reduce their costs and thus increase their profitability, in their assuming the business risk of not checking endorsements and thus we have no basis for complaint with respect to the 60 days taken so far in crediting our account in spite of the fact that Chase 's policy was at variant with the UCC and their deposit contract with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Prosper Marketplace, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I'm making advance payments on a loan - the loan is current and I'm making additional payments. The lender is not applying additional payments to principal even though their contract states they should do that. I've called them 16 times and been put on-hold each time, for up to 45 minutes. When I do get through they either refuse to correctly classify the payments ; tell me they will let me speak to a supervisor then put me on a long hold and disconnect the call ; or simply disconnect the call.They don't acknowledge emails or physical letters. Specifically these are the advance ( principal ) payments which the company is incorrectly crediting to interest ( total of {$1300.00} ) : XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$50.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$25.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$160.00} XX/XX/XXXX -- - {$22.00} XX/XX/XXXX -- - {$250.00} XX/XX/XXXX -- - {$50.00}

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 2023-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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 was contacted at XXXX by XXXX XXXX XXXX  regarding an overdue bill due to a new debit card being issued. I paid the bill immediately via phone using a credit card. 

At XXXX at the end of the business day, I received a phone call from a person in a call center who had my account information, name phone number and stated the electric company was at the box in the front of my apartment complex waiting to shut off my electricity if I did not pay immediately. they said I must pay via XXXX because my payment from that morning was declined. 

They also stated that I was farther behind on my bill than I had been informed because a new billing cycle was coming around, and that I owed {$1000.00}. 

They had me process 3 XXXX transactions from my USAA checking account in the amount of {$420.00}, {$420.00}, and {$110.00} in a row to bring my account up to date. 

I immediately called USAA and tried to stop the transactions realizing that it did not make any sense, but the money was already gone. USAA states they were not able to recover the money from XXXX. 

I called USAA again on XX/XX/XXXX and was told that the results of the 30-45 day investigation found me to be responsible and that they would NOT protect my transaction error. I escalated the dispute but did not hear back. 

I called USAA again on XX/XX/XXXX, citing Regulation E regarding XXXX XXXX  and they stated again that they would not refund my account but would send my request to a person to call me back within 3-5 business days. 

I informed them that the regulation CLEARLY STATES they are responsible for protecting me as the consumer, and they are still refusing to refund my money. I informed them on XX/XX/XXXX that I would be filing a complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
Equifax continues to keep me lock out of my report. I am unable to login to myequifax.com. They are also reporting an account that does not belong to me and I can't dispute the information without logging in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank notified us that it will close all our savings and credit card accounts, in fact I closed my personal and business credit card, we go to the bank for an explanation and at the bank branch they told us that they don't know the reasons, we waited for a call for 7 days and yesterday they called us and they say they don't know the reasons either. No one can tell us the reasons and they do not give the possibility that it is an error, we requested the report from XXXX and the accounts with Chases did not appear in the report, we are desperate, we do not know what we can do.

Company response to consumer: Closed with explanation