BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got an auto loan in 2015 to buy a car. 2yrs or so the motor vehicle was surrendered/repossessed. I did not get any letter of collection. I am seeking a mortgage now and was made aware by a lender that a collection of {$8000.00} was on my report. I contacted the bank and was told that the car was appraised and auctioned for {$3900.00}, and that they are seeking to collect said {$8000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2018-08-20
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX  and XXXX  reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not 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 2020-09-10
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX I was contacted by an XXXX XXXX with XXXX XXXX XXXX. Indicating I owed a debt to Rushmore financial in the amount of {$45.00} I was told if I did not pay I would be charged with defrauding a financial institution. I spoke to a supervisor and was told I had until Friday XX/XX/2020 to pay and they would contact me on Friday. They then called me 3 times prior to XXXX XXXX today Thursday XX/XX/2020. They then contacted my wife and gave her a case number. When I returned their call today XX/XX/2020. I spoke to a XXXX XXXX. He refused to provide an address for this company XXXX XXXX XXXX and refused to send me documentation of the debt. then was extremely rude and told me he had never heard of anyone disputing {$45.00} and that I could just go to court. Extremely rude and I do not believe this is a legitimate company. The phone # I was called from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Amsher Collection Services, 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 noticed in my credit scores that they dropped and It appears a collection with amsher collection so I called them and told me I had a debt of XXXX dlls with XXXX XXXX XXXX a company I don't even know, for tv or internet services, when the only services I have at home are direct tv and XXXX XXXX XXXX and I don't have any debt with them. So they are affecting my scores unfairly, and I haven't had any communication from any company before affecting my scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX 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 inaccurate. And i have filed police report as well

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 2023-04-14
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: Information belongs to someone else

Complaint:
I am the victim of identity theft. I have already reported this to the credit bureaus. I sent all of my documentation including my Identity theft report from law enforcement and my identification, as well as a letter describing the crime. My information was exposed in the XXXX data breach and I believe that this is how they got my information. I have sent this information 2 times already to the bureaus and the information is still on my reports. It has been several months already. Please contact me if there is anything I can do or you need any more information from me.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: LA
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 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have been a victim of identity theft. I contacted Transunion several times in writing letting them know I was and still am a victim of identity theft and I was not trying to open these account. I have requested that they remove the inquiries off my credit report as I did not authorize them.

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 2020-06-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been a victim of identity theft and there are a XXXX account, XXXX XXXX  account that is not open and not overdue or never been late. Please remove these old accounts in my account. There is a XXXX XXXX  bill that I have never opened. There is accounts that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments were made in XXXX, XXXX and XX/XX/XXXX were made to Sallie Mae Student Loans to pay off the loans permanently. I had called them in XX/XX/XXXX to confirm that the loan was paid off. I was told by a representative my loan was paid off and I was owed money. The representative told me that I was owed a little over XXXX dollars and the change of status in my account would be reflected in the next billing cycle. 

I checked my account in XX/XX/XXXX and the account still said that I owed {$1200.00} but owed nothing current. I left it alone thinking the representative meant the next billing cycle, meaning XXXX. I checked my account on XX/XX/XXXX as a relative notified me that they had called Sallie Mae and made a final payment towards the account even though I had been told the loan had been paid off. I witnessed the payment was in the midst of being processed. I signed into my account again on XX/XX/XXXX. The money transfer had been process and confirmed. The balance for my account was {$0.00} dollars, therefore, the loan should have been paid off at this point. 

I proceeded to sign into my account today XX/XX/XXXX to go over some documents that my relative had requested from me. It was then that I noticed that Sallie Mae reversed the payment back into the bank account that it had came from. And I now owed the XXXX plus an additional XXXX cents of interest accrued. I called to gather information in regards to this discrepancy and I was not given a straight forward clarified answer as why the money was returned back to the account. I was told it was an issue with the bank but was not given further details. This is the 2nd time with Sallie Mae since XXXX that I have attempted to pay off my loans and I am being given a hard time. I am being given false information in regards to my loan and they are reversing payments for no reason and blaming the bank for their mistake. The payment was clearly received and processed correctly. I am filing a complaint because this is highly unprofessional and I would like nothing more than to be done and over with with this company. I only ever received around XXXX dollars of the XXXX I was promised but have yet to receive.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: U.S. BANCORP
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
US Bank Visa Platinum Card company ( https : //www.usbank.com/ ) and Cardmember Service have held my credit balance of {$140.00} since XX/XX/2023. During US Bank acquiring Union Bank, despite that I blocked the Union Bank Card and requested them to send me the credit balance of {$140.00} on XX/XX/2023, I was forced to activate US Bank credit card and open on-line account, for me to able the see the details of transactions that I have not authorized. 

I have reached out to them multiple times including the dates on XX/XX/2023, XX/XX/2023, XX/XX/2023. They have told me that they are doing research. But, they have not sent me the check amount of {$14000.00}, as they have told me to do so on XX/XX/2023. 

Today is XX/XX/2023. They have held me fund for 75 days now. 

I have called US Bank Service Contact # XXXX, and talked to one of the supervisors, XXXX XXXX. She hung up on the phone pretending like she can not hear me after I held on to the phone talking to several service representatives for over 1 hours and 17 mins. Case/Reference # I was given XXXX XXXX 

Can they really hold XXXX of consumers money like this?! Please advise and help.

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 2019-10-30
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Convergent Outsourcing ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 

Rescission of Contract. 
Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX  ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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 2018-07-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with Portfolio Recovery and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the DLA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had an ongoing issue since 2017 with this company where they are mixing my and my sister 's account as we have very similar names and social security numbers. Each month when a payment is due, I manually make a payment online, however, the payment is being applied to her account and not mine. I then begin receiving phone calls from Comenity Bank/Victoria 's Secret saying that my account is past due although I had already made a payment. They are also merging our personal information and my phone number is being applied to her account and vice versa. This has been causing me tremendous XXXX for the past 3 years and causing unnecessary late payments and late fees on my credit file, which are ultimately affecting my credit score and increasing my balance and interest payment. I have to deal with this every single month and there is never a solution as it continues to happen every month. This is taking time away from my work as they call me during work hours and I have to step out every month for an hour to speak to a representative to explain this issue and it never gets resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXX .... 
Balance : {$5300.00}

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 2019-10-29
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Requested XXXX to validate account on credit file. Requested information to validate account on credit file. Company failed to comply FCRA guidelines. Made several attempts to validate signature and contest to contract.

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