BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: WV
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:
Please remove Non Mailable Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Pursuant to 15 USC 6801- Protection of Nonpublic Personal Information.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : Remove Hard Inquiries, Pursuant to 15 USC 1681- Permissible Purpose. 
Update Accounts as PAID AS AGREED : XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the, DATE OPENED IS WRONG,, BALANCE IS WRONG, HIGH CREDIT IS WRONG, LAST REPORTED DATE IS WRONG, DATE LAST ACTIVE IS WRONG AND THE DATE OF LAST PAYMENT IS WRONG! 

This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.

15 U.S.C. 1681n Section 616 ( a ) Civil liability for willful noncompliance In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2023-12-12
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 an impersonator went to an apartment complex ( XXXX XXXX ) and tried to rent an apartment with my Credit. On XX/XX/2023 I was checking my credit and noticed a collection had been started on XX/XX/2023 in the amount of {$420.00}. I immediately froze my credit and filed a dispute through XXXX, XXXX, and XXXX. On XX/XX/2023 I called the apartment complex and spoke to the lady that handled the transaction and she admitted to me that she knew it was fraudulent but had to send it to collections anyway, at this point I contacted the collection agency and started a dispute. I also filed with XXXX XXXX Police Department and they put together a Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Affirm Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX link established between AFFIRM savings account and XXXX XXXX XXXX checking account ( only ) to transfer funds at my request. 
Between XX/XX/XXXX and XX/XX/XXXX AFFIRM transacted 13 times to a savings account at XXXX XXXX XXXX  that they were not authorized to link to, and they maintain they had no access to and have no record of such transactions. 
XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$47.00} Multiple emails and calls to AFFIRM resulted in no resolution. AFFIRM either responded with a canned reply indicating they had not even understood the issue or replies indicating they had no record of such transactions and I should contact XXXX XXXX which simply said these were " merchant disputes '' and not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: IL
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/2023, I purchased two round trip tickets ( one for myself, one for my partner ) from XXXX, Illinois to XXXX, XXXX for {$920.00}. The flight was on XXXX XXXX and I purchased it through Chase Travel. The flight was set to leave on XX/XX/2023 at XXXX XXXX. About 24 hours before the flight ( XX/XX/2023 ), my partner and I attempted to check in for our flight. I was able to do so, but my partner was not. I called Chase to see if they could resolve the problem. I talked to person A who said something about spinning off my partner 's reservation, and said that would mean that my partner could use that confirmation code to check in with the airline. That did not work. My partner and I then proceeded to spend the entire day ( I would guess it was about 8 hours ) on the phone with person B at Chase trying to resolve the issue. We were ultimately told that my partner did not have a ticket issued and we would have to rebook a ticket for the next day at our expense. The cost of the same ticket ( to match my ticket ) was approximately {$3000.00}. Again, Chase said this money would have to come out of our pocket despite that we had booked the flight months earlier and had done nothing wrong ourselves to change the flight. We declined to give Chase more money and risk getting stranded in another country if the same thing happened on the way back, so we scrapped the flight, meaning that neither of us used the two tickets that cost {$920.00} ( as I was not going to go on an international 10-day trip by myself, when that is not what I purchased ). So I need the {$920.00} back from Chase because I simply did not get what I purchased. I have called Chase again on XX/XX/XXXX and XX/XX/XXXX and have submitted a written message through their portal, but keep getting the run around rather than a refund for this terrible experience that put me out {$920.00}, wasted my entire day on XX/XX/2023 ( and several hours after ), and suddenly ripped away long-held travel plans that we were looking forward to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: Self Financial Inc.
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello there cfpb, I need to report self Financial group as it appears on my credit report, my information was shared without my consent. I have never had any affiliation with self Financial group ever in my life my rights we're violated completely and self Financial group appears on my credit report as a very hard inquiry and the information is absolutely incorrect and false. Self Financial is using predatory business practices to gain access to consume his personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
While my wife, my daughter and I were able to put credit freezes on our accounts with Equifax, XXXX  and XXXX it was much more difficult with Equifax. To perform this task, that seemed simple with the other two agencies, with Equifax it was so much of a problem that I could almost swear that Equifax was trying to prevent us from putting the freeze on our account. We actually had to mail them a good bit of information to prove who we are to get the freeze applied. 
Then just the other day ( XX/XX/2019) my daughter and I had to temporarily unfreeze our report to submit an application to rent an apartment. With XXXX and XXXX   it was relatively easy but with Equifax it was impossible to do without once again mailing them the same information that we sent them before and which made it so difficult to put the credit freeze on our account with them. We were lucky in that that apartment rental agency didnt use XXXX for this credit check or we would have lost the unit in a very tight housing market. 
In summary we believe that XXXX is intentionally making it difficult for non-paying individuals, and this must be corrected. We got lucky with this experience but may not be so next time. Maybe the credit information freeze should be handled by a single third party so an individual like me doesnt have to deal with three separate agencies every time. Thank you for handling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 after receiving a letter in the mail from LVNV funding stating that I owe a debt in the amount of {$630.00}. This account is fraudulent and is not mine at all. I was incarcerated when this account was created. I want this account to be removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Kehoe Financial Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On Mon, XX/XX/2021 at XXXX XXXX XXXX XXXX wrote : ____________________ Please see attached notification of a traffic violation for the Municipality of XXXX. We are the authorized servicer in the United States for recovery of the unpaid fine related to this violation. 



Protocol # XXXX Ticket Date : XXXX License Plate : XXXX Amount Due : {$450.00} Reason : Circulating in a restricted traffic zone As an opportunity to satisfy this obligation, we have been authorized to settle this matter as follows : SETTLEMENT AND RELEASE OFFER Payment of {$300.00} made on or before XX/XX/2021 Upon receipt of XXXX in collected funds as stipulated above you shall be released from any and all obligations which exist now or which may arise in the future with respect to Protocol # XXXX. There shall be no further obligations due from any party upon settlement of this matter. 



Payment options include making payment on our online payment site - Kehoe_Payment_Online. You can also call in to our office to speak with a representative and make a payment over the phone. All mailed in payments should by drawn payable to Kehoe Financial Group , LLC and mailed to the following mailing address : Kehoe Financial Group LLC XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX, New Jersey XXXX Confirmation will be sent upon receipt of the payment to verify that these matters have been closed. 



XXXXhoe Financial Group XXXX This communication is from a debt collector ; any information obtained may be used for this purpose. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Patient Accounting Service Center
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was prescribed a XXXX machine by XXXX XXXX in late XXXX to address XXXX XXXX. After making dietary changes, my doctor and I determined the XXXX machine was no longer needed and could be returned. During the XXXX period I had the XXXX  device, I received and paid several bills thru my bill-pay service. I returned the device to XXXX on or around XX/XX/XXXX. I received additional bills in XXXX and XXXX of XXXX, and promptly paid those. I have evidence of payment ( screenshots of the billpay history ). I received untimely additional bills from XXXX for the XXXX machine in XXXX and XXXX of XXXX, which I also paid. I also contacted XXXX to question why I was receiving these bills so late, and they explained this was due to billing issues, and they stated verbally that these were the last bills and we agreed on a final payment amount. Then, in XX/XX/XXXX I received an additional bill for {$76.00} from XXXX after the matter was settled. I refused to pay this, and XXXX sent the bill to a collections agency, which researched this and sent me a letter stating the matter was closed. Beginning in XX/XX/XXXX I began receiving payment demands from ARStrat, and I responded in writing that the matter was closed, but they continue to pursue collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent a letter to Credit Management LP asking they please supply me with information about the debt so i can be fully informed of the debt in question as to be mine. Please see attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: States Recovery Systems, Inc.
State: MD
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:
On XX/XX/2022 States Recovery Systems added a degratory mark on my credit report per credit karma. Upon, further research, this account was transferred/sold and therefore I am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the XXXX States Recovery Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Equity National Title and Closing Services, Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CarMax, Inc.
State: CA
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:
Hi there, In 2019, I was a victim of identity theft because I had lost my wallet at the time. Inside my wallet, contained information such as my ID and SSN card. About a month after this incident, I got a notification on XXXX XXXX that there were multiple inquires made on my credit profile. All these inquiries were for car loans. What I am complaining about is the Carmax Account. I have sent multiple disputes but nothing has been done. 

CARMAX AUTO FINANCE ( Opened XXXX. XXXX, XXXX Balance {$27000.00} ) Can you please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
On Saturday XX/XX/XXXX I called XXXX XXXX to make a payment for XXXX 's payment as it was due before XX/XX/XXXX on Monday as it would be consider late. The lady said I qualified for a payment deferment and I said great and next payment would be due XX/XX/XXXX. The lady mentioned she completed for XX/XX/XXXX and took payment for the interest. I had ask the lady that if my payment is due on the XXXX would it be considered late. She said no since I did the deferment on the XXXX and took payment for the interest ( which came out of my account on the XXXX ). On the XX/XX/XXXX I received a alert from XXXX XXXX that I was 30 days pass due on my XXXX. I called right away to XXXX XXXX and asked them why this was done. They said they see that the deferment was done on the XXXX but the interest payment was taken out after the due date so it's considered late. They said to dispute with their department and I did but they did not see a dispute???? I asked the lady who made the payment deferment and she assured me since it was done on XX/XX/XXXX it would not ( which I trusted since it was before the date needed to be made ). This is an error on XXXX and customer service rep who seems as they did not know their process on payment deferment. Or I would of just made my payment on XX/XX/XXXX if that was the case. Please remove lates for all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may concern ; My name is XXXX XXXX XXXX here to file a complaint against XXXX XXXX ( XXXX XXXX ) for lack of help on behalf of a veteran, which whom reached out to these entities who held my mortgage. On XX/XX/XXXX of XXXX  I purchased a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for my family and I. The purchase was made from a XXXX XXXX XXXX XXXX XXXX. The XXXX showed an absolutely beautiful home. So we sold our home in XXXX packed our things got on the road and moved to XXXX. Once we got here much to our surprise when we open the door it was nothing like we thought the house was a total disaster holes in the walls. Bodily fluids on the walls water seeping through the floor throughout the whole bottom floor. Trash was left in the house. Things were broken. We couldnt stay in these conditions. I had to max out my credit cards for a hotel for us to stay in while trying to clean up as much as we could in the house to make it livable. We couldnt afford the mortgage we ask the mortgage company for help multiple times and they said no. We asked the realtor for help they left us high and dry. It messed up my credit so badly that I had to file for a XXXX XXXX XXXX. And thats where Im at today can you please help my family and I with this issue please and thank you so very much.

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