BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Self Financial 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:
I have sent certified notices making self Lender aware that they are violating my " Consumer Rights '' under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give SELF LENDER written instruction to furnish any accounts on my consumer reports. 

Under Self Financial, Inc. Terms of Service ( Credit Reporting Services ), it states : " You understand that by accepting these Terms and Conditions you are providing written instructions to our third-party service provider, XXXX XXXX XXXX and its employees, agents, subsidiaries, affiliates, contractors, third party data providers, and all other credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), as amended, including XXXX, XXXX, XXXX and affiliated entities, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. 

I gave self lender permission to access my consumer reports in order to verify my identity and to provide the Services to me as per their Terms of Service!

Furthermore, 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information, The language of the law states : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At the time this Self Lender credit account was opened, I was never given a nondisclosure notice explaining how to exercise my rights according to the above law to OPT OUT of having this account reported to the Consumer Reporting Agencies. 

Self Lender has caused me finical damages due to their negligence of not following the law and refusal to DELETE the following accounts ( Self Visa Credit Card ACCOUNT # XXXX ) & ( SELF LENDER INSTALLMENT LOAN : LOAN # XXXX, ACCOUNT # XXXX ) from my Consumer Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: On-Site Manager, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
LeasingDesk dba Realpage keeps reporting fraudulent items on my report. It's are showing property debts which do not and have not belonged to me. I provided LeasingDesk with federal affidavits of such and they have failed to remove items. I've also disputed the items as well. It's getting to the point where it's getting redundant. By federal guidelines laid out by FCRA, LeasingDesk not only has violated my consumer rights, they have damaged my consumer file by listing inaccurate information. The listings include that for XXXX dba XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX dba XXXX XXXX, XXXX dba XXXX XXXXXXXX XXXX, XXXX XXXX dba XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested for paper billing statements XXXX, XX/XX/XXXX from specialized loan servicing customer care XXXX XXXX XXXX. Called on XX/XX/XXXX, XX/XX/XXXX. Each time the customer care said they will send paper billing statement. 
But the company did not send until now. 

I then called XXXX XXXX XXXX XXXX XXXX XXXX. It goes to voicemail, which says they will call back in 24 hours. Called on XX/XX/XXXX, XX/XX/XXXX, requesting paper billing statement for the month of XXXX, XXXX, and XX/XX/XXXX. But no one called back. 

I did not get any paper bill statement for XXXX, XXXX, and XX/XX/XXXX. 

The same thing happened when they did not send paper statements for the month of XX/XX/XXXX, XXXX, XXXX, And XX/XX/XXXX. 
I send a complaint to CFPB complaint ID XXXX on XXXX XX/XX/XXXX. Only after you contacted Specialized loan servicing, did they send the paper statements informing the issue was due to system 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 2016-04-06
Company: ECMC GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is continually calling my job. When sent to my voicemail they do not say anything. The phone number they are calling from is XXXX XXXX XXXX XXXX. They even called the receptionist and said they were calling from the US Postal Service. they told her they must speak with me. When I got on the line the person hung up the phone. Their tactics are unscrupulous and deceitful.

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 2022-07-20
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX  XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
So me and my partner work together buying and selling items. I have been providing cash flow, swiping my credit cards and we have paid off all the balance all time for years. 



Then I went to XXXX XXXX XXXX on XX/XX/2021. I leave the card to my partner to repay the bill. Last charge was authorized by me is in XXXX which is already paid off. 



My card was charged relentlessly on XX/XX/XXXX XXXX and XXXX with no fraud alert. Until I checked my online account on weekend that following week and found out the issue. I asked my partner and he said he didn't use the card. I filed a police report in my town and was told to submit a report on this website. 

Chase total charges is {$8500.00} XXXX total charges is {$140000.00} XXXX Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: The CBE Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cbe group was notified by   XXXX   to cease collection activity but Che group is still reporting to   XXXX   credit bureau 's.

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 2022-07-20
Company: EQUIFAX, INC.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the account was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to these fraudulent investment company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
As of XX/XX/2022 this car has been paid off and the title for it was sent to 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 explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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 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 XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-05-18
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were in a chapter XXXX and were at the end of it ready to have it discharged. When Specialized loan Servicing LLC would not sign off for the discharge, they claimed we still owed them over XXXX dollars. We explained to him this. In XX/XX/XXXX we got a letter from our chapter XXXX lawyer about our mortgage is being transferred to Specialized Loan Servicing LLC. So we called to make a payment. They would not talk to us because we did not have a loan number. So this went on for three months but in this three months our trustee was making payments to them. Then My husband called because they would not give me ( XXXX ) any information. Finally in XX/XX/XXXX they took our payment. Then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Them I called to make XX/XX/XXXX payment and they would not take it. This is right after our lawyer went to court and won against them that we were currant on our payments and we did not own any back payments. We had also just received our Chapter XXXX discharge. I fully intend to make my XX/XX/XXXX payment I will mail it.

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 2023-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX, I XXXX XXXX received a Chex systems consumer report stating account abuse with XXXX XXXX XXXX  XXXX XXXX account number XXXX. I have never done any business with this bank nor tried to apply for bank account with this bank. I wrote a letter to Chex systems explaining to them that they have wrong information about me. Chex systems did an investigation and sent me a letter back saying that this account with XXXX XXXX XXXX  XXXX XXXX was listed on my consumer report by clerical error and that they will remove the account. As of today XX/XX/XXXX I checked my Chex systems consumer report and this account is still on my consumer report and is the reason I was recently denied a checking & savings account. I would like for this to be removed from my consumer report and I want justice for this negligent misconduct on the part of Chex systems. I looked up XXXX XXXX XXXX  XXXX XXXX and they do not even exist, they do not have a phone number or website. How can such a gross misconduct be done by Chex Systems?

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 2022-07-20
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit bureau services contacted a provider   XXXX   XXXX   in reference to an alleged debt concerning me.   XXXX   XXXX   in turn released my alleged medical treatment provided by him. He did so without my consent. By   XXXX   XXXX   giving Credit Bureau Services my information that is an direct violation o f HIPPA  rights.   When speaking to the representative from Credit Bureau Services she stated she was in possession of my record and proceeded to mail an copy by regular mail where anybody could have came in contact with the information.   I am attaching copies of records sent to me from Credit Bureau Services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-04-24
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received a statement from  Chemical Ban k reflecting a balance of {$75.00} consisting of a {$75.00} annual fee for the line of credit PLUS  a 0.18 in terest charge.  Chemical  Bank also charged the {$75.00} against my line of credit.     When I called to inquire about this practice, I was informed that it was permitted by my contract. In all previous years, when the Bank  (  including their predecessor   XXXX   XXXX    )  sent an invoice for the {$75.00} fee, it was paid promptly.     This appears to be little more than an attempt to extract a paltry  0.18 i n addition to their fee.

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 2021-06-07
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
So me and my partner work together buying and selling items. I have been providing cash flow, swiping my credit cards and we have paid off all the balance all time for years. 



Then I went to XXXX XXXX XXXX on XX/XX/2021. I leave the card to my partner to repay the bill. Last charge was authorized by me is in XXXX whch is already paid off. 



My card was charged relentlessly on XX/XX/XXXX XXXX and XXXX with no fraud alert. Until I checked my online account on weekend that following week and found out the issue. I asked my partner and he said he didn't use the card. I filed a police report in my town and was told to submit a report on this website. 

XXXX total charges is {$8500.00} Amex total charges is {$140000.00} XXXX Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received let ter from Harvard Collection  in   XXXX   XXXX    Called and explained services were not performed, hospital had sent over paperwork to verify previously to original debtor. Send certified letter disputing with in  XXXX  days, never received any response. Was told it was  XXXX  account, credit report is showing  XXXX  accounts. My understanding the account was resolved, but now has been sold to another party that is trying to collect it.

Company response to consumer: Closed with explanation