BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received text from Chase saying an unauthorized transaction was made and to decline or approve. 

Declined transaction, then received a call from a phone number claiming to be chase. 

Said someone was attempting to transfer {$2000.00} to an external account that was added to XXXX. 

They had us log in and then send money to our own account which was already registered with XXXX. 

Somehow they deleted our info associated with XXXX and attached another account through XXXX. When I moved money from my account it went instead to their account. 

Chase claims it is our fault but because our account was already registered it should not have been a problem as the account was already registered with my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.

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 2020-01-24
Company: U.S. BANCORP
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 status incorrect

Complaint:
US BANK Credit Card No : XXXX US Bank Credit Card No : XXXX Cash Rewards Visa Card I have above cards with US Bank for last 10 years and I have been paying these cards regularly except times when I had some type of incidences on file. In past I had big fraud on my debit card and it led into many online transactions running over for months on my card in XXXX when I visited XXXX. Last year in XXXX I had frauds on my credit cards. Now seems like this is third time I have my cards misused however, this time I have lost my valet and seems like identity theft. 

I have one debit card and two credit cards with US Bank. Since last fraud on my credit cards early last year in XXXX, I have completely stopped using US Bank credit or debit cards. I have moved my banking to other banks and use them for primary salary deposit and all payments. The only reason US Bank cards were kept open were to keep my oldest credit history as these are my oldest cards and accounts in US. 

As I do not use these US Bank cards I just keep them in my secondary valet where I have other benefit cards like XXXX, XXXX  XXXX  and other merchant cards, etc. During one of travel last year I have lost of one bag and I didnt realize what items were lost in the bag. What I know that my valet is missing that had all my other cards and there is identity theft. In last few months, I had 3-4 times by XXXX  XXXX  XXXX debit card and credit cards were replaced for some suspicious activity though I have not reported fraud! 

To my surprise I have recently noticed payment request on US Bank cards in XXXX ( I generally dont check this ac at all as I dont use any of them ). Though not clear about request, I did paid minimum payment requested to avoid late payment and late reportings to bureaus. After this I made it a point to review my all US bank accounts in detail as soon as I get back to work after holidays. During my review I realized that there were some transactions on my both cards. I have immediately advised fraud department of US Bank to close all the cards including my debit card. My both credit cards looks compromised, debit card is not used as I dont keep any balance in this account and they may not have succeeded. But I have lost this card as well. 

While reporting fraud I told representative not to report late payment to credit bureau and he explained that it was already reported. He provided me these contact details to write letter to get credit bureau reportings reversed.

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 monetary relief
Consumer complaint received 2021-11-17
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
{$2000.00} Payment was made XX/XX/XXXX for my XXXX payment but not applied to my account. I received a statement that said no payment was made. I have the cancelled check showing it was received XX/XX/XXXX. The check was faxed to the number PNC provided for proof but no response. I made another {$2000.00} payment XX/XX/XXXX to make sure my XXXX payment would be there early to avoid any more issues. I got my XXXX statement and it showed 3 payments ( {$2000.00} on XX/XX/XXXX applied to other, {$2500.00} was broke into 2 payments {$1900.00} applied to interest and {$71.00} applied to another interest. ) and a late charge. I called PNC to get this corrected and I get the run around. One customer service member actually lied to me and said the account was good, no late charge, next payment was due XX/XX/XXXX. I asked for proof and was instantly transferred to another department. Once I got back to the correct department, I was told to call the collections department as my account was past due and they would let me know what needed to be paid. I asked why the payments got applied the wrong way and why they cant fix it. I was told I have to talk with a supervisor but they would not transfer me to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
My name was XXXX XXXX I had auto loan with us auto they put vehicle on my credit as repossession while I still have vehicle and I had insurance with them and the vehicle was a total loss so I'll stuck without a car and it's a repossession on my credit why I don't know I need help the auto loan was XXXX I think it's ok my vredit report the went auto of business now we all have to suffer

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 2021-11-17
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company REGIONAL ACCEPTANCE CORP , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONAL ACCEPTANCE CORP the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 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 2023-02-22
Company: CORELOGIC 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 status incorrect

Complaint:
Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b. 

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX 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 2019-09-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX  XXXX to acquire about prices and packaging.The rep took my name and number and other info.He told me he would have to do a inquiry to see if I qualify. I EXPLICITLY TOLD HIM NO bc I was working on my credit. I then told him Id have to call back to complete my inquiry bc company had arrived. I was told the call was recorded so EVERY THING IM saying is verifiable. A couple hours later I get an alert from XXXX XXXX that XXXX had did a hard inquiry. This ocurred XX/XX/2019 around XXXX central time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems , LLC has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off in XX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for XXXX, I have never had any service of any kind with XXXX. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and Transunion are reporting incorrectly that I am 90 days past due on XXXX/XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2020-01-24
Company: R.M. Galicia, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter dated XXXX from Progressive Management Systems in XX/XX/XXXX. They also hit my credit on XXXX with a collection for {$1200.00} despite the letter stating that they would NOT report to the credit bureaus unless I failed to respond to their letter within 30 days. On XXXX I sent them a debt verification request via certified mail which was received by them on XXXX. As of XXXX XXXX XXXX I have received no communication or validation that this alleged debt belongs to me, no dates for the original debt to prove that it's still within the statute of limitations for collections, nothing. They are continuing to hammer my credit with the collection, adding interest and reporting it every month. They are in violation of the FDCPA for their failure to respond and failure to provide proof of the alleged debt. I will be happy to involve my attorney if this they don't take this collection off my credit and cease all collection attempts immediately.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  : acct XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  Accct XXXX XXXXXXXX, 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 pers on knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metr
o 2 credit reporting.

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 2021-11-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management is falsifying information, stating that I owe debt to them, that I do not owe. They illegally reported to the credit bureaus that I owe debt to them. This is fraud, as I do not owe them any debt. 

I have written to Midland Credit Management several times, via certified mail, stating this debt is not mine and to cease all collection activity against me. Specifically referencing that they DO NOT have a SIGNED CONSUMER CONTRACT with me. 

And by not having a signed consumer contract with me, I have asked Midland Credit Management to remove and delete this account from my credit reports multiple times, which they have failed to do. 

Midland Credit Management is in violation of the fair credit reporting act and their actions are harming me by impacting my ability to obtain credit. 

I am demanding that this account be immediately removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: OneMain Finance Corporation
State: NV
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Bank of America after seeing on my XXXX report that there was a closed account with a balance reporting. I did not open this. I sent them a police report and theft affidavit 30 days ago and they havent responded nor have they removed the information from my XXXX. 
The address associated with the account isn't mine. 

My dl is attache with my correct address.

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 2021-11-17
Company: LEXISNEXIS
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to LexisNexis on XX/XX/2021 and was not responded to. LexisNexis is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request.

Company response to consumer: Closed with explanation