BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Professional Debt Mediation, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in the apartment of XXXX XXXX and left early due to my immigration status changing which caused me to not be able to work. I reached out to the property XXXX XXXX XXXX via Email communications and informing her of my circumstances, I requested to Terminate my lease early in XX/XX/2023 and forgo my security deposit. XXXX contacted her corporate office and they approved allowing me to end my lease two months early without having to pay back rent as long as i leave by the XXXX of XXXX. The amount of money which is being seek in collections is after the agreed upon move out date of XX/XX/2023 this was not what me and XXXX apartments agreed on meaning this collection request is in error i have attached all communication between myself and the property manager XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE REACHED OUT TO XXXX, XXXX, EQIFAX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL UPGRADE NOW IN COLLECTIONS WITH XXXX FUNDING IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A XXXX  REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency XXXX furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 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 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 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 a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: ALLY FINANCIAL 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:
This is my complaint to ALLY FINANCIAL for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-06-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently tried to open a chase bank account and was denied with the prompt we can not accept you with the information you provided us. I believe the reason I am not being accepted is because a few years ago someone used my personal info to open multiple banks account to attempt fraud, now I have issues trying to bank ANYWHERE. All I want is to be able to open a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
in early XXXX of XXXX  I in good faith applied for an extension of my consumer credit in order to receive a car and was denied. I am credit worthy and I supplied my social security card number and my driver license number on the application which according to the consumer credit protection codified in title 15 chapter 41 of the U.S.C, are in fact credit cards. ( XXXX credit cards ) I exercised my rights and notified this company of their illegal practices on XXXX XXXX. After reviewing my notice, they still decided that they were not in violation. when I asked for their claim in writing they refused to put anything in writing, stating " we don't have any correspondence for that ''. Even though it sounds like the lady was reading off a Letter. So, I am in good faith again trying to get their response to this matter in writing. This company is in violation of discrimination on a prohibited basis of my consumer rights. This is an official public notice that I will be using civil action. I have attached the correspondence sent to me from Capital One and the correspondence I sent them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I woke up to my Chase Checking account with a hold of negative XXXX XXXX dollars. Its been over 8 months and chase has given me the go around and would not tell me why i dont have access to my account. Were in a middle of a pendemic, my stimulus checks, unemployment money and all of my savings were in that account and Ive been evicted for not having access to my money and got behind on bills. Ive called their costumer service, levees received no help aside from try again tomorrow. Even lawyers werent able to help me because their is no case number and no explanation on why the hold is on there. 
XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: ALL FAMILY FINANCE, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi, my name is XXXX XXXX I purchased a car on XX/XX/2018 by XXXX XXXX XXXX in XXXX Ga. The loan company is called All Family finance. I put a {$700.00} down payment on a 2008 XXXX XXXX with an interest rate of 29 % on the XXXX, drove off the lot. I was two weeks later I put down another {$300.00} on the vehicle to cover taxes and registration. I was keeping up with my payment of {$240.00} every other week with an additional {$90.00} per month because the company would not take only liability insurance they required all car be fully insured which is not Ga state law and offered partial insurance coverage for the price of {$90.00}. I continued to pay my car payments as well as the insurance payment, also known as the CPI payment totaling to {$570.00} per month. 

In XXXX I had XXXX, to receive a XXXX  XXXX XXXX. In XXXX, I was terminated from my job and I got on unemployment. In explaining my situation to the company, I alerted them of my financial situation and how I was doing my best to keep up with the payments. I fell behind because my income from unemployment was not enough to cover my payment or living expenses. All Family Finance continued to harass me calling my family members, leaving voicemails and messages calling me up to 10 times a day. When I finally found another job I sent them a partial payment right away altering them of my new payment schedule. Thet continued to call non-stop and when I would offer to pay at least half of the payment amount they refused to take my payment over the phone. Last week they said my balance was {$1000.00} I paid half of {$540.00} and said I could pay the other half my next pay period. The next week a woman name XXXX from the repossession department called saying if I didn ; 't bring my car up to current they would disable my car and come and take it away. I pleaded with this woman saying I just paid her {$530.00} last week I needed to get to my next pay period but she refused to listen and said I had by Friday or they would come and pick my car up. Now my car is disabled and they are harassing me daily to pay the balance of {$540.00} dollars. 

I went through a financial hardship and I did my best to try to pay on the car at least half the payment every month. I am only one full payment behind and they are being extremely ugly. The amount I am paying on this car is 10 times worth the amount! it has XXXX miles when I got it and the balance on my loan is still at {$12000.00}. I desperately need help to get from under this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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:
I have reach out via mail, and phone to all three of the credit reporting companies XXXX, Equifax, XXXX, the creditors, and collection agencies companies many times to advise that my identity has been stolen and the accounts reporting on my credit report does not belong to me I didn't benefit nor authorized anyone to use my personal information to obtain any account in my name nor under my social security number. I request that the information on my credit profile be removed and updated correctly. I also requested my wet signature on all documentation that was collected with my authorization to obtain access to my credit profile and add inaccurate information. They have all failed to remove and update my credit report correctly even after being informed of the fair credit act. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2021-04-04
Company: Cascade Capital, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A new debt popped up on my credit reportXX/XX/XXXXas a new debt. I had no idea of this debt so I contacted the collection agency. I was informed that this debt was for my daughter and was from XX/XX/XXXX. I never received any form of letters to dispute of solve the issue prior to XX/XX/XXXX. Under the FCRA the silent treatment is illegal. They reported this as a new debt. Its falsely reported as new account activity. The Fair Credit Reporting Act requires CRA to maintain an accurate file of your credit information. By lying about the age of the account is or the date of any delinquency, the debt buyer or collection agency violates the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I only have a single negative mark on my credit reports from a Florida debt collection agency. 

Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. 

Or, XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX They are claiming I owe XXXX {$200.00} for an unpaid phone bill. 

I've never had a contract with XXXX, only a prepaid account a few years ago. 

I filed a dispute with the credit agencies in XXXX of 2019 ( See attachment 2 ) and had this fraudulent collection account removed. However, Enhanced Recovery has refiled a new collection account with a new account number in XXXX of 2019 for the same amount, {$200.00}. 

Unbelievable that a company can make this claim, fraudulently, then do it again a few months later. I do have an attorney friend from college that works for the state of Florida in XXXX that I will be contacting to file charges against them, but in the meantime wanted to file this report publicly. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
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:
Ive been trying to dispute these account Ive reached out to the collection agencies and also the three credit bureaus and they refuse to remove it after sending a police report and ftc. According to the law a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX credit card Account number : XXXX Amount : XXXX XXXXXXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report XXXX Each account has been investigated by the XXXX police department and declared as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I received a wire for {$15000.00} when the wire was received I went to wire the money to another party in US Bank called me from the fraud department and shut down my account immediately. I was told within XXXX hours a letter will be mailed to me explaining that the end of the relationship it is now XX/XX/XXXX. I am yet to have any letter and they are still with holding my funds. I spoke to the supervisor. He said that hes not allowed to speak to me cause Im no longer a client and that I would have to wait up to XXXX calendar days for my funds. There was no fraud that occurred at all in the money can be proven from the sender. US bank is holding my money, which they have the right to close my account and in the business relationship, but have not sent me any type of formal letter and they said I can wait till XXXX or XXXX at the latest. This was on a recorded line. I am requesting that US Bank release my funds as my account is still active on hold, and I have automatic payments that are bouncing left and right that are starting to affect my credit due to the fact that theyre withholding all my funds to my name.

US Bank does have the right to close accounts but I do have the right to be notified within a timely manner in a form of US mail since electronic mail is. No longer available because they have shut down my accounts but my account is still active within the bank.

There has to be some type of legal remedy and a letter that must come to me stating that my account is on hold under review, etc. etc. instead US Bank send you directly off the line stating that the department that is reviewing it and closes it will not be available to speak to anyone as they are in a secure environment I want my funds released in a form of a cashiers check his promise, and I have not received one letter or any type of communication, and when I asked for my balance, they said I could not get it because theyre not allowed to disclose it because Im not a client where are my funds

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 2023-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is illegally reporting my name with a Suffix on the end. This incorrect. I have no suffix after my name. I have reported this incorrect reporting to Equifax several times along with copies of my identification, but this information remains incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX  Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX* Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: LEXISNEXIS
State: IN
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:
XXXX tired of going back and forth with lexis nexis about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including XXXX, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of domestic XXXX, stalking and threats with a deadly weapon. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. XXXX stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.

Company response to consumer: Closed with explanation