BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of mental status of mental incompetence and my legal inability of not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of mental status from military service related injuries and medical related 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 2022-04-09
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Credit Collection Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. 
As of XXXX XXXXXX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving Credit collection services any right to collect on this alleged debt. I have never received any documentation requesting validation from credit collection services. 
If credit collection services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until credit collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them.

If this documentary evidence can not be produced and credit collection services continues its collection efforts, I will file for litigation for actual damages caused and credit collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud.

Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f.

Your prompt attention and response are both requested and required.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Experian Information Solutions Inc.
State: VA
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:
AFTER SEVERAL INVESTIGATIONS, EXPERIAN CONTINUES TO REPORT & REFUSE TO DELETE INACCURATE INFORMATION 15 U.S. Code 1681i - Procedure in case of disputed accuracy requires, ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if AFTER AN RE-INVESTIGATION under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material  On XX/XX/XXXX, a response from XXXX  ( XXXX XXXX ) for XXXX Smart Connect - Account # ending in XXXX - CFPB Case # XXXX-XXXX states in their response that " On XX/XX/XXXX, the above account was " charged-off '' and sold to " XXXX XXXX XXXX '' on XX/XX/XXXX. On my credit report, XXXX XXXX - Acct # XXXX is the debt buyer being reported for XXXX SMART CONNECT account on my credit file -- NOT XXXX XXXX XXXX. Based upon the response from the " original creditor, '' the information being reported under the name of XXXX XXXX is NOT my account and should, therefore, be DELETED. This matter has been repeatedly reinvestigated since XX/XX/XXXX until NOW and has caused substantial harm to my credit rating. I DO NOT WISH FOR ANY MODIFICATON AT THIS POINT. Clearly based upon the documentation by the original creditor IT IS ERRONEOUS. I WOULD LIKE IT DELETED IN ITS ENTIRETY.

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 2023-11-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I had a conversation with Chase Credit Card Services supervisor named XXXX. Their number is XXXX. I disputed a charge I found on my credit card statement that I did not make nor recognize in the amount of {$230.00} at XXXX. I advised XXXX that I still had possession of my card but did not ever recall making that transaction of {$230.00} at XXXX. Ultimately he advised that the charge would stand as valid and I would be responsible for the charge. This is completely wrong. I should not be responsible for charges I did not authorize. He claims that the card has a chip and it was used in store and it is next to impossible for the card to have been used fraudulently. I was offended as it feels as if I am being accused of being a liar and my credit card company is unwilling to assist me in resolving this issue. I am adamant that I did not make this charge and would like for it to be removed as this was fraud. As an XXXX XXXX too often we are not given the benefit of doubt and not deemed not trustworthy even if the dollar amount is so insignificant. I am an upstanding individual with excellent financial record with Chase Credit Card and its quite disappointing to have been treated so unfairly. I am seeking CFPB support to resolve this dispute as I have been honest and did my part to report unauthorized activity on my card in a timely manner. Chase Credit Card purports to offer XXXX liability on fraudulent charges but it seems like it only applies to card holders of certain demographics. This is XXXX and this type of discrimination and arbitrary application of good will is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I sent Jefferson Capital Systems LLC a letter of debt validation under 15 USC 1692g for an alleged debt of the amount {$360.00}. I have the receipt where I sent it certified mail green return receipt. They received my letter sent to them on XX/XX/2023, at XXXXXXXX XXXX. They sent back the green return receipt, but failed to send me a response to prove that the debt belongs to me. They never sent me a model form b1 and parked an account with an alleged debt on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 national credit systems agreed to delete collection from all credit reports and remove account that was on collections since they have now removed this collection and it was found to be not accurate or valid I am wanting a monetary compensation for the damage that has cause me, I have been getting denied for extension of credit due to that collection being on my credit report. Please provide me a monetary compensation of {$1000.00} as per law for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX : I was notified by XXXX, employee number XXXX. XXXX no. XXXX. 

Online account was closed. According to them there were 4 charges made by someone that hacked the card. There is no proof because they canceled my acct so I can not verify this information. 

I was told that no XX/XX/XXXX I'd receive my new card by XXXX  and there has been no notifications whatsoever from XXXX or XXXX regarding this issue. This means they have taken control of my money and my account, which is Fraud at this stage.

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 2023-09-07
Company: CITIBANK, N.A.
State: MS
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:
Please Delete Inquiry 15 USC 1681i Sec 7 15 USC 1681 Sec 5 15 USC 1681i Sec s-2

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 2022-04-09
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account # 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 a 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 2023-08-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was referred to a person by my friend, XXXX XXXX, who lives in Michigan, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citizens Bank, and XXXX XXXX XXXX. The payments were made and the total amount was brought to " Paid off ''. I even called the financial institutions to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of 15 days, a month, or one and a half months, the payments were reversed from my financial institutions. This is a fraud. Citizens Bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the Citizens Bank if they will just reverse the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got my car back in XXXX 2021. My car was financed with USAUTO SALE for XXXX. I have had my car for 3years. I pay XXXX every two weeks. Which total XXXX. I finally got a hold to someone who works for WESTLAKE PORTFOLIO. I asked them how much was my remaining balance. I was told my remaining balance on this vehicle was XXXX. I asked them how when my car was only financed for XXXX. Not possible!!! I have all my paperwork and bank statements showing when I purchased this car and payments that where drafted... PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during these times. This is not only effecting myself but my family as well. 

RE : Last XXXX XXXX XXXX To whom it may concern, 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. Experian has violated my rights.

15 U.S.C. 1681 SECTION 602 A states 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 conviction of crimes which antedates the report by more than seven years.
15 U.S.C. 1681 s-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 information is inaccurate. 


ACCOUNTS : XXXX  INQUIRIES : XXXX XXXX  XXXX  XX/XX/2021 Experian XXXX XXXX  XXXX  XXXX  XX/XX/2021 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 2023-01-08
Company: Lockhart, Morris & Montgomery Inc.
State: TN
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: NY
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:
Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: World Acceptance Corporation
State: GA
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 have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
USAA has wrongfully furnished a Hard Inquiry on my credit report. I have already contacted them, and cited consumer laws, but they foolishly said these laws dont apply to consumers only entities. That is anything from true. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or USAA did NOT extend me a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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