BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile deposited a check XX/XX/XXXX for {$720.00} Check accepted and later got email that the check was going to be held for 10 days. Available on XX/XX/XXXX. 
Around rolls XX/XX/XXXX and they still have a restriction on my account. I promptly call in on XX/XX/XXXX and they say they need to verify the maker of the check. XXXX XXXX XXXX. I tell them the check is from XXXX XXXX and was a refund after I cancelled my credit card account. I had a {$720.00} credit with them, so they had to cut me a check. So, to start they are looking for XXXX XXXX XXXX info to verify check, and it's really XXXX, which is printed on the check. Anyways, they are unable to verify the check with any numbers they have turned up and ask me for a number. Off the top of my head, I'm unsure so I have to call back. I call XXXX banks ( which is also on the check ) and they say they are just a 3rd party and give me a number, XXXX  XXXX, I then call CHASE back and give them that number plus another XXXX they both come back as not linked up to CHASE bank and deny me both, and again ask me for a number to verify the maker of the check, and refer to tXXXX XXXX XXXX and ask if the stub to the check had a check verification number, and it didn't. Then the rep proceeded to tell me that they have gotten check from XXXX before and none looked like this one, and that they don't usually provide checks when cards are cancelled. WELL, first of all I had overpaid my credit card and had a Credit balance. I tried to explain that, and they won't accept anything. I will provide/attach the statement showing the overpayments and the credit check issued, and they also won't accept that either. I called XXXX ( the people who clearly state their name on the check ) and asked them how Chase could officially verify the check, and they said to have them call customer service at XXXX, but then Chase won't accept that as a point of contact for them so back to square one. They also stated that they are doing everything they can to help. So, they are just allowed to take my funds after I have exhausted all my options as far as what i can do and provide on several different occasions. Also, they told me, that the check would be available for use on XX/XX/XXXX, and until they locked my online access, It even should as an available balance. I would like use of my debit card and funds like they promised. I have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: ZuntaFi Corp
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Zuntafi incorrectly reported the alleged debt account to three consumer reporting agencies as delinquent when the account was disputed. Zuntafi also sent me a letter suggesting they will report the account as disputed. However, Zuntafi is misrepresenting and reporting the account as delinquent when the account is not validated with competent evidence. Zuntafi did not provide competent evidence to validate the alleged debt. Zuntafi has continued to send me statements in the mail despite my insisting the company not contact me, violating federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: American Credit Acceptance, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX my car was repossessed for {$900.00} last due. I've had the car for over 4 years and I've had a 100 % on time payment history. I just had a baby last month and have been out of work so I'm financially struggling. I've tried refinancing with no luck. The car is currently broke down and they want the full amount which is almost {$1300.00} ( {$900.00} past due, {$360.00} for the repo fee, and about {$300.00} of late fees ). I bought the car in XXXX for {$16000.00} with a 24 % APR. I should've had the car paid off already but with that high APR I'm still making payments. Id like to find out options to help with these scammers, its not right what they're doing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: DISCOVER BANK
State: TX
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/XXXX somebody open a Discover Account under my name getting a credit card delivered on the address that I lived befor of XX/XX/XXXX. After that date I move to Texas, so I never applied or recieved anything. I was sending letters to Discover Financial Services to take out this account from my credit reports and form their records because I was a victim of identity theft. They do not want to take it of because they insist that is mine. 

I Ask them, to verify the signatures and the information demostrating that I didnt live in that addres at the time that they said that the Credit card arrived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
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: Public record information inaccurate

Complaint:
XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXX XXXX  and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score.

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points.

Please help me solve this.

Thanks

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-12-05
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FINAL NOTICE Re : Notice for Proof of Claim To Whom it may Concern : This is a legal and REQUEST FOR DOCUMENTATION. XXXX XXXX. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( 1959 ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is XXXX XXXX XXXX. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also I have received a statement claiming that I owe a debt to Choice Recovery and that you are the collection company. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you and XXXX XXXX XXXX XXXX that gave you the right to collect this my HIPPA Protected debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Tally Technologies
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I included this line of credit in a XXXX XXXX bankruptcy in the state of Virginia. I filed in XXXX of XXXX and received my discharge in XXXX of XXXX. This account was verified included and Tally would not update my credit report in a timely manner. I emailed Tally approximately 9 times before I received a timely response to update their information on my XXXX report. Tally finally updated my report to reflect the account as discharged through the bankruptcy and still to this day sends me constant payment due date reminders and past due amounts for this account via mobile push notifications. I can not close the mobile account with a balance due. This is against FCRA requirements as this is considered contacting me in attempts to collect a debt thats been effectively discharged through a XXXX XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: FIRST PORTFOLIO SERVICING INC
State: CA
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:
XXXX FIRST ACCESS BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Original creditor sold to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX to XXXX these accounts : Account,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 inaccurate. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Comenity Wayfair was in fact contacted and sent multiple police reports in XXXX, XXXX of XXXX along with same information to XXXX. The account was charged without my permission by unauthorized user. The account was closed and I was informed in XXXX an investigation would take place and my credit would NOT be affected. This has not been the case. For over a year this is still appearing as negative on XXXX report. I contacted Comenity in XXXX, XXXX and spoke with XXXX in collections and he informed me that if I paid XXXX comenity would send a reversal of late payments for multiple months and XXXX report would only show paid in full and closed. It is now showing paid, charge off closed and over a year of charge off. Comenity has never sent investigation of unauthorized use and the wayfair card was sold to XXXX XXXX. I have disputed called complained. The unauthorized user has never been located. My XXXX  report is pristene all accounts paid on time and mortgage of XXXX paid off in 3 years there is no way Id let a XXXX bill ruin my credit. My other two reports are good. I just want Comenity Wayfair updated to reverse all charge off and lates as promised and XXXX to investigate properly. I filed a XXXX  complaint against XXXX as well for reporting inaccurate and erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Exeter Finance Corp.
State: GA
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:
i see alot of mistakes on my credit report on all 3 credit bureaus an i will like them accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2023-12-03
Company: OneMain Finance Corporation
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
No compliance to my needs for their mistakes to my report and no remorse for my situation and financial hardship compensation agreement offer for letting One main financial company be on my report after it was deleted and the embarrassment they caused with my name and respect in the credit world.Even though they deleted the account that supposed to have been deleted and never ever appear nowhere near my file they allowed them access to my files .I don't deserve to be ignored even if a lawsuit has to be filed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
To whom is reading this. I am writing this because I am being told by Experian and XXXX that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXXXXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.

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 2023-04-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-08-08
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to fraudulently open account or obtain services under my name. I filed a police report over this matter. Americollect Inc is now reporting one of these accounts to my XXXX  Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Data Mortgage Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The company Essex Mortgage created a subsidiary Named Data Mortgage DBA Essex Mortgage. I miss the mail notification. My payments are taken out automatically from my bank. I have nave been late on payments. My payments continue to go to the same address. They changed there address twice cause my late payment, Then they changed the amount on my mortgage payment so that when I did get new address and resubmitted payment to new address they said the would report me again for XXXX because a {$500.00} underpayment and due to they do not except partial payments. I asked them to remove the delinquent report on my credit but they refused even though I read a a law that gives home owners 60 days before they can report when such a change had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Had court hearing on this matter was shown favor of court and dismissed

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Today ( XXXX ), I just reviewed my Consumer report from Transunion and I have noticed that XXXX accounts that I have disputed in the past several times are still reporting Incomplete and missing vital information. Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate.

I have enclosed a copy of my recent Transunion Consumer report # XXXX, and circled all of the Incomplete/missing information. As you can see, The vital information that should be on my consumer report is indeed incomplete. 

Account- XXXX XXXX Problem-Missing Payment History from XXXX XXXX XXXX Solution-Delete account for reporting Incomplete information on a Consumer Report Account-XXXX XXXX XXXX XXXX XXXX XXXX Problem-Missing payment History for XXXX XXXX XXXX Solution-Delete Account for reporting Incomplete Information on a Consumer Report Please investigate and Delete these accounts. If i am remiss then please provide me proof with billing statements showing the Complete payment history. If proof can not be provided, then I demand these accounts be removed immediately from my Consumer Report.

Thank You.

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 2022-04-29
Company: Farrell Holdings, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
After reviewing the loan contract Im confused as to how my total sales price is {$18000.00} if the total amount financed was only {$15000.00} and I put down {$2500.00}. Please assist me, seems like this is a fraudulent contract.

Company response to consumer: Closed with explanation