BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: IL
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 agency is in violation of 15 USC 1681a ( 4 ). They have infringed on my right to privacy and have not provided me with any information that I authorized the reporting of such private information. On XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/2021, I informed the consumer reporting agencies, XXXX, XXXX, and Experian of the violation and has received no response. It it plainly stated in section 611 ( a ) of the FCRA that failure to investigate disputed items within 30 days gives a reason to immediately remove them from my credit report. The reporting of this information is vital to my credit file. I am demanding this account be removed immediately or I will file for litigation due to the ongoing stress being caused. My information was also impacted by the XXXX  data breach.

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 2021-09-14
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a account with Chime as authorized signer of account/owner, I have disputed items that were unauthorized and requested refund either to not receive it to only receive partial, I reported unauthorized transactions only to be locked out of my account which was supposedly for only 48 hrs, ended up a week before any access, and same day I gained access account was again placed on hold with out my express written consent, their power of attorney has been revoked, My account is currently still on hold asking for same information provided 3'xs in less then 3 days, this my Final notice : acquiescence means and agreement, My intent is to sue should this go unresolved past the 1 day notice I am giving Fees : XXXX every hour locked out of account XXXX for every currency not replaced that are fdic insured XXXX for any contact unrelated to resolving this matter XXXX for use of my private information without my express written consent XXXX for delay in providing information needed, such as who is signer on account? who has without my consent signed to be power of attorney on account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
I have sent a dispute out to XXXX, XXXX, and Transunion that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.

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 2018-03-19
Company: Five Lakes Agency
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FIVE Lakes Agency [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ Five Lakes Agency ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Sincerely, FB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was pre-approved with PenFed Credit Union for an auto loan ( $ XXXX, 72-month term ) at 2.99 %. I was purchasing a used vehicle private party. XXXX sent me a 2-party check to complete the vehicle purchase and fund the loan. I was contributing my own money on top of the loan to purchase the vehicle. 

To complete the transaction I gave the seller both the $ XXXX PenFed Check and a $ XXXX cashiers check from my own bank account ( total of $ XXXX ). Days later ( after Id paid {$2000.00} to ship the car ) PenFed called me and said ( a ) the rate would actually be 3.99 % because it was a used vehicle ( 2020 model year ) and ( b ) that they would not fund the check they had given me because it was a private party purchase of a vehicle that had a lien on it with the seller ( that they were paying off with the sale funds to give me a clear title ). 

None of the was explicitly disclosed to me up front, and put me in an enormously bad position of having paid partially $ XXXX for a car and $ XXXX for shipping and had the loan yanked out from under me. I ended up drawing from my saving to pay for the full purchase price with my own funds to salvage the deal. I felt bait an switched and the PenFed was all to eager to give me an approval and check up front and decide later if they would actually choose to make good on their promise, and it screwed 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 2017-11-25
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several phone calls to JH Portfolio Debt Equities LLC as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to two alleged debts ( XXXX and XXXX XXXX from XXXX XXXX ). Neither XXXX XXXX nor JH Portfolio Debt Equities LLC have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, JH Portfolio Debt Equities LLC responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, JH Portfolio Debt Equities has not provided me any validation of proof and also not honored the  outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that JH Portfolio keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as JH Portfolio is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to JH Portfolio Debt Equites as well as XXXX, XXXX, and XXXX  representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to JH Portfolio not being able to properly verify the account that I have sent to both JH Portfolio and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.

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 2017-11-25
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. 

They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. 

Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.

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 2021-03-06
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is in reply to your no response, in response to my letter dated XX/XX/2020. In my letter dated XX/XX/2020, I disputed the ALL of the debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 



First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you completely ignored me.Ignoring me isnot a contract or agreement and are nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 



Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false. 



Due to the foregoing, you have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist collection, ( 2 ) delete all of your credit reporting, and ( 3 ) tender {$1000.00} U.S. The {$1000.00} U.S. must be made payable to the order of myselfand received within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is account is not OPEN and the credit agencies will be held liable for this action by reporting INIACCURRENT information to my credit report. No activity has been going with account and payments have been made. This account should be reported as " CLOSED '' and the credit agencies are in violation of the Fair Credit Act 611. 

In addition, to that XXXX XXXX does not OWN this account and it was sold to another party, so how can they report " INACCURRENT information on someone credit report. 

LAST DATE OF ACTIVITY WAS THE LAST PAYMENT MADE. Where is that information? 

I will contact the Attorney General Office as well for assistance with this matter.

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 2021-03-06
Company: Conn's, Inc.
State: TX
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:
1. ) Account Status : XXXX is reporting this account as " CLOSED ''. And XXXX is reporting this account as " PAID ''.

2. ) Payment Status : XXXX is providing the credit bureau as " CURRENT ''. While XXXX is reporting the account as 120 days late.

3. ) Date of Late Activity : The Date of Late Activity is over 6 years old, which is a violation according to the FCRA. This Date of Last Activity should be current and up to date. A lot of information has changed within those 6 years.

4. ) Late Payments : There are multiple missed payments, that were made on my behalf. So there shouldn't be ANY missed/late payments on my PAYMENT HISTORY. 
I have taken liberty of attaching a copy of this account. This Creditor has provided XXXX and XXXX with INACCURATE and INCOMPLETE INFORMATION TO THESE CREDIT BUREAUS. 
THE PAYMENT HISTORY THAT XXXX  AND XXXX HAS REPORTED DOESN'T MAKE ANY SENSE WHAT SO EVER. ONCE YOU SEE THESE ATTACHMENTS YOU WILL FULLY AGREE, AS TO WHY THIS ACCOUNT SHOULD BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX XXXX XXXX XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One has been reporting for months that Im delinquent on a charge off account when the balance has been paid off. By law & the FCRA it is illegal to report inaccurate information to the bureaus & they say they dont have record of the conversation of the representative stating that the tradeline would be deleted but the conversation actually did take place the day I paid them {$670.00} as a condition to improve my XXXXredit score. Not only is it still showing derogatory on my 2 credit reports but the last active date is showing 3 different ones. This tradeline is violating so much of the FCRA & FDCPA that it needs to be removed Capital One stated that it its own letter that the debt was charged off on their insurance & they accepted the payment from me again. This debt has not only been paid by me but also their insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
1. XXXX XXXX 2. XXXX CHRYSLER XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to XXXX  and XXXX  about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: MN
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:
There are numerous accounts listed on my credit report. I am unsure who's they are. 103 Claims true identity fraud/account fraudulently opened.. please remove them from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a telephone call from Mrs. XXXX XXXX ( phonetic ) of Chase Bank executive office who stated, they approved my reimbursement of {$2000.00} with regards to the City of XXXX, NJ vacant property registration fees and that it take SEVEN to FIFTEEN DAYS to receive my check. I reminded Mrs. XXXX that Chase Bank AGREED to reimburse for my expenses as well. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : 2016XX/XX/XXXX COMPLAINT # XXXX, " Regarding the XXXX, New Jersey Vacant Property Registration fees and charges, PLEASE SEND US AN ITEMIZED BILL SHOWING THE FEES CHARGED, INCLUDING AMOUNTS, DATES AND TYPES OF FEES, SO THAT WE MAY REVIEW ALL FEES THAT YOU PAID. Please send to : Chase Information Request XXXX XXXX XXXX XXXX, OH XXXX '' Despite requesting to be reimbursed for ALL of my out of pocket expenses, Chase Bank refuses DESPITE TELLING THE CFPB THAT THEY WOULD! In addition, Chase Bank stated to the CFPB that they did not receive my documents requesting assistance from them. PLEASE READ CHASE BANK 'S STATEMENTS TO THE CFPB DATED : XXXX COMPLAINT # XXXX, " OUR RECORDS DO NOT INDICATE THAT WE RECEIVED A COMPLETED APPLICATION WITH THE REQUIRED DOCUMENTS REQUESTING ALTERNATIVE PAYMENT ASSISTANCE ASSOCIATED WITH THIS LOAN. '' I previously submitted OVERWHELMING proof that I sent the documents to Chase Bank regular, certied, express mail & facsimile and I have attached a copy of the same in this complaint as well. More importantly, I read complaint ( s ) on the CFPB where citizens made similar complaints about Chase Bank lying stating that they did not receive their documents. Once again, I am requesting to be reimbursed for ALL of my expenses and I am requesting to reimbursed for Chase Bank INTENTIONALLY LYING TO THE CFPB by stating they did not receive my documents when in fact, I am/have submitted proof to the CFPB to disprove Chase Bank 's lies. I am submitting my itemized bill for reimbursement with regards to my expenses related to the City of XXXX Vacant Property Registration fees.Parking fees : {$100.00}, Gas : {$50.00}, Court Appearances & appearances with City of XXXX Officials ( approximately a dozen or more ) : {$1200.00}, Clean up & debris removal from XXXX XXXX XXXX XXXX XXXX, NJ {$750.00}

Company response to consumer: Closed with explanation