BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is regarding an account, which you claim I owe {$14000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by Scammers impersonating XXXX employees ( the Fraudsters or the Company ) which involved me making deposits for a total amount of XXXX USD ( XXXX USD from my checking account and XXXX USD from my savings account ) from my XXXX account to PNC at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/2022 in the amount of {$330.00}, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.

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 2020-03-10
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent numerous certified letter explaining to XXXX  that the debt is not mine. Every time they have sided with the creditor. XXXX   always states to me they have " verified '' this debt is valid. But per the fair crediting and reporting act I have repeatedly requested documentation bearing my signature and any other paperwork they have to affirm this debt as valid. To no avail because XXXX  has not sent me anything. They never respond to my written request. I call them on the phone and a representative does not give me any information either. This debt is invalid and needs to be removed from all three bureaus, specifically XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I had applied for a Chase Southwest Rapid Credit Card on XX/XX/XXXX. I had signed up for a special offer ( between XX/XX/XXXX & XX/XX/XXXX ) which included - If I spend XXXX within the first 3 months, - XXXX Bonus points- Companion pass through XX/XX/XXXX. 

I was shocked to see that none of these were added to my account. When I called customer service, I was told that I had signed up for XXXX bonus points- which is incorrect. I had recommended the same offer to 4 of my other friends since we all had to plan a trip for our sons cricket tournaments and luckily I had a screenshot ( attached ). I had spoken to the call center supervisor and he said he will send it to the right department and they will review and see if the promotion I applied for can be put on my card. I will know in 10 business days on whether it will be applied or not. 

Today I got a response that the marketing team determined the offer was not applicable to me and no explanation was provided. I will not be able to take this matter any further. 

How can it be changed automatically without the customer 's consent? How can the customer service agents confidently and repeatedly say that I had applied for only XXXX bonus points? I truly feel cheated. 

Disappointed, - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and as a result must continue to remedy its effects. I have several fraudulent accounts reporting within my credit file, along with addresses I have never resided and fraudulent inquiries. I have reached out to the credit reporting agencies and they have kept the fraudulent accounts/inquiries/addresses from my credit report. The fraudulent addresses that are reporting that I never lived at are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX and XXXX XXXX XXXX XXXX XXXX, XXXX, GA. 
The fraudulent accounts are LVNV Funding {$14000.00}, LVNV Funding {$1100.00}, LVNV Funding {$440.00}, XXXX XXXX {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4400.00}, XXXX XXXX {$240.00} and XXXX XXXX {$330.00}. 

Fraudulent Inquiries : 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 2022-02-02
Company: DISCOVER BANK
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Discover Card Corporate Office Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Discover On XXXX applied for The Discover Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I requested my loan payoff because i was selling my home. I have just come out of chapter XXXX. When i got the loan payoff the title company had an extra XXXX dollars that was sent from US bank to title and not me saying I owed that amount. When I checked to see how they came up with the amount when I only did a forbearance for XXXX months. They started to say, it was interest fees, escrow and other fees, my mortgage was only XXXX dollars at the time of forbearance, I requested a copy of that breakdown as was denied. Us Bank representative said its only for underwriting and they can only tell me but not give it to me in writing. Some of those fees i believe came from my XXXX XXXX  which my judgement is satisfied... The agreement was verbally that US bank would piu the XXXX mortgages at the end of the loan and i would pay it off when the house is paid off or when it is sold. It just so happened that i was selling the house in 9 months. I believe that some transactions occurred that are against regulations. the account number is XXXX. I did the forbearance after my chapter XXXX in XX/XX/2022. I have struggled with US Bank trying to take my home for XXXX years. Not sure why they tacked on all this interest.

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 2023-04-04
Company: JPMORGAN CHASE & CO.
State: FL
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-10-30
Company: Experian Information Solutions Inc.
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:
To Whom It XXXX Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XXXX 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 4 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 6 . The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 9 XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX, FL 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 2023-07-07
Company: JPMORGAN CHASE & CO.
State: AZ
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 hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to a business credit card account from JPMorgan Chase ( JPMCB ). 

This business credit card account is incorrectly being reported on my personal credit report, even though I have never personally guaranteed this card. As per standard reporting practices, a business credit card should not appear on a personal credit report unless the individual has personally guaranteed the card, which is not the case here. 

Furthermore, this account is incorrectly being reported as 'charged off ' on my credit report, which is inaccurate. The account has been carrying this status for an extended period, which is adversely affecting my credit score. 

I kindly request your immediate intervention to rectify these inaccuracies. I am seeking the removal of this business credit card account from my personal credit report as its presence and reported status are both incorrect and damaging to my credit standing. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date of Transaction : XX/XX/2023 and XX/XX/2023 Account number : XXXX I called Ally on the XXXX of XXXX to request an extension due to unforeseen dental expenses. The extension was contingent on me making a payment of {$370.00} within ten days of the agreement. I specifically asked the if payment needed to be received by the XXXX which is my normal due date to avoid a negative credit reporting. I was told as long as payment of {$370.00} by the XXXX you will be fine and no negative reporting will take place. I asked three more times got the same response. I was able to get my hands on the money on the XXXX, & made a payment of {$380.00} total. I called same day to confirm payment was received, to ensure the extension was in place & there would be no negative reporting on my credit. I was told it was received, extension was in place and there would be no negative reporting. However, on the XXXX they marked me 30 days past due. Today I have chatted with one rep & spoken to two. One identified herself as a SR. agent. Theyre claim is that the payment had to be received by the XXXX my normal due date. Not the XXXX as their rep previously told me. Funny because on the XXXX of XXXX they sent me a notice saying I was 21 days past due, so technically the rep I spoke with on the XXXX was correctthe XXXX would have been the XXXX day. If the rep I spoke with on the XXXX was wrong & gave me ill informationthen that is a problem, they need to work out with their rep, I should not be punished. This 30-day late mark dropped my credit score XXXX pts. I have asked for the calls to be reviewed from the XXXX & the XXXX. They tell me I need to wait 3-5 days then look for an email on the status? ABSOLUTELY NOT! I honestly believe even after they listen to the calls, they will lie about it. This needs to be resolved fast. If it was the XXXX that is the information I should have been given but it was not. 

Today is XX/XX/23 Ive received no update or resolution. This is unacceptable and highly unprofessional.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed down my credit card account without giving me any notice or reason why. I called them and no one can explain why they close my account I even asked to speak to the manager and they cant seem to find a reason for closing my account. Everything was up-to-date with my card I was very responsible with my card. I didnt get an email or email regarding why they close my account. All they can tell me is that they Close my account XX/XX/XXXX and that there is no records of cancellation. I asked for corporate number they refuse to give me that information. I spoke to customer service representative XXXX XX/XX/XXXX at XXXX AM and I also spoke with supervisor XXXX he claims that he can not provide me with corporate number or email and refused to help with my situation.

Company response to consumer: Closed with explanation