BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. The driver of the vehicle fled the scene, and I suffered multiple injuries. My auto insurance XXXX was informed and was paying the bills of my medical debt as per the NJ State law and my no-fault status. Police was unable to track the rogue-driver. My insurance details were sent to all parties who treated me like XXXX XXXX and XXXX XXXX and XXXX XXXXs. Recently an unknown debt collection agency put a collection delinquency on my credit report damaging my credit score and putting me in great distress on top of my injuries. I believe that it is this agency that was sending me threatening calls which I communicated to XXXX and they said all bills they have paid. After contacting Credit Bureau they said that it is an agency in Pennsylvania asking to pay ambulance fee. The ambulance was given my auto insurance details several times and I received no notification after that. A Florida based Ambulance company named XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida XXXX was also given my XXXX XXXX and medical insurance details long time ago. This third party agency is outside my home state and had no contact number available. I find the recent action by the collection agency named Commercial Acceptance as damaging and harassing as they threatened in the phone calls. I kindly ask CFPB to clear the wrongful debt collection in my credit reports and take action against this collection agency for damaging my credit score in this time of hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Please remove these negative items off my report it has been more then thirty days and its been false misleading information on my report both are violations

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 2019-09-09
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, there were charges on my card that were made in another city that i do not live in. I reported the problem to the company ( netspend ), and within 24 ( actually less ), they closed my account, which is what i wanted and i ordered a new card. Instead, they closed my account and made my access to my online account inactive. They also made it to where i can no longer be a netspend customer or account holder. I still have money in this financial institution with no access to it. This is very funny to me and my senses are red flagging all over.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: FL
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:
A collection agency called XXXX XXXX, which legally is named XXXX XXXX XXXX XXXX XXXX has been harassing me and tarnishing my credit report preventing me from re establishing my credit worthiness. I've reached out to them on numerous occasions to inform them that they are trying to collect a debt that was discharged in a bankruptcy ( case # XXXX ) on XX/XX/2016. 
XXXX XXXX refuses to stop contacting me and also refuses to take the debt they they purchased from XXXX XXXX XXXX which was included in the bankruptcy discharge included debtors. 
As all three Credit Reporting Agencies are listing this illegal attempt to collect this debt that XXXX XXXX has repeatedly reported since acquiring ( wholesale bought ) back in 2016 ', and they refuse to stop harassing me and correct their illegal collection practice, they are in direct violation of both the law as well as the codes set forth in the FCRA. This leaves me no choice but to pursue my legal rights as a consumer to involve the proper financial entities to force them to cease and desist their illegal attacks against me and my credit reports. 
please refer to the XXXX complaint case # XXXX that has been filed and the disputes filed with all credit reporting agencies.

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 2017-12-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage XX/XX/XXXX due to XXXX not completing my refinance in XXXX yet I have been paying Chase since XXXX XXXX XXXX XXXX called and said that they need to be the originator again to fix the previous refinance. As of today XX/XX/XXXX Chase has not closed my account with my home loan and is calling to collect payments. XX/XX/XXXX I am supposed to be paying XXXX XXXX based in XXXX. 
How can there be two loans on the same property? 
I need them to close my loan so that it does not go into foreclosure and affect my credit. 
Somewhere between Chase and XXXX they lost communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was permanently limited by Paypal, which is respectfully an unfair decision. The source of funds is XXXX, which is where I receive my pay. The funds were meant to pay my XXXX fees ( urgent ) as well as other bills. The account doesn't necessarily have to be unlimited. I contacted Paypal and they said that I should contact the offices in XXXX which are not available therefore I'm requesting for assistance from the headquarters. It is worth considering that the source of funds is also from the United States of America ( XXXX ). Please assist a dire situation. Thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Affiliated Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a contract with a local health club when I was XXXX XXXX XXXX. My mother immediately called and sent a copy of my birth certificate. The account was to be closed and I never used the membership. It has been 4 years and I found out this debt is on my credit report. I called the company and they stated that the debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NV
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:
I attached the documents showing these accounts should be updated and deleted from my credit report Thanks.

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 2020-06-22
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to Experian after 30 days because I haven't received and documentation.

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 2023-02-27
Company: Experian Information Solutions Inc.
State: DE
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 XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank/XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX 15 U.S.C 1681 section 602 A. States that 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 an 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 non-monetary relief
Consumer complaint received 2019-07-27
Company: EQUIFAX, 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:
My information was compromised through the Equifax leak. Time frame unknown. I can not access any of the 3 big credit bureaus due to my stolen information someone has used to file for student loans, mortgages, credit cards and purchases. None of the information matches for me to access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am unable to access on the Equifax website to obtain annual free credit report and to verify that my credit report was unlocked. On Thursday, XX/XX/XXXX at XXXX I called contacted Equifax to address the problems. They verified my identity but stated that they could not unlock my online account or provide a credit report or provide proof that my credit report at Equifax was unblocked as their system was updating. I was told to call back on 30 minutes to one hour. 

I called Equifax again at approxiamtely XXXX and answered multiple security questions over the course of 15 or 20 minutes including being placed on hold. I was again told that the system was updating and Equifax could not provide proof that my credit report was unblocked, unlock my online account or allow me to access my credit report online. 

On Saturday, XX/XX/XXXX at XXXX XXXX, I called Equifax for the third time to receive verification that my credit report at Equifax was unblocked and to inquire how i could unlock my online account at Equifax. The representative and supervisor I spoke to over the course of 45 minutes said that the system was still updating and it was unknown when it would be complete. As a result, Equifax could not proivde proof my credit report was unblocked, unlock my online account or allow me to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Auto Trakk, LLC
State: SC
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  sent Autotrak several certified letters concerning the false, bogus info they are sending to the 3 credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially. Autotrak h as violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork  from Autotrak.  I spoke to  XXXX   ( Customer Service ) ext .  XXXX  on  XXXX / XXXX /  XXXX    XXXX    XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a  XXXX  ( Customer Service  ) to ld me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was sign ed  XXXX .She al so told me my last payment was  XXXX .  Autotrak is reporting false info which against the law. This is the reason they not replying to my certified letters!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX5 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Discover Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Discover Bank, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and Discover Bank whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Discover Bank never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  of I have visited multiple car lots and I did not authorized these credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Sequoia Financial Services
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello there this debt do not belong to XXXX XXXX and i request any type form ( ID .ETC ) & My signature and i request any contract that has my signature to Validate this Debt! if Such Forms not available i demand to remove this collection account Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRANSWORLD SYTEMS INC sent me a letter via USPS stating that their company is trying to collect debt of {$47.00} that they allege I owe to XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have contacted XXXX XXXX XXXX  who has no knowledge of it either. 

Thanks for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX  has not yet removed derogatory remark that is very old XXXX XXXX   account.

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 2021-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to apply to Capital One for a first-time credit card and got denied multiple times for months and I can not figure out why. My boyfriend got approved and we have the same background credit-wise. Nothing on either of our credit backgrounds. So I got the Capital One credit wise app to see if it could tell me what was going on and it did not. When i attempt to check my credit score it says Looks like you are still establishing credit. On my XXXX report it says i have nothing negative, nothing new, nothing disputed, and no notes. When I apply got credit cards ( Ive tried multiple companies ) they do those identity verification questionnaires where they list some addresses and ask you to pick which one is a past residency of yours, or where you have an auto loan out, or when you got a mortgage out. Each question has four answers. Every single one of them, until I most recently got an apartment, had questions that I couldnt answer so I would get denied. I finally got the explanation letters in the mail explaining why I got denied and they all said fraud detected. I dont know what to do anymore. I dont understand how my report says nothing but all these things that I dont have answers to pop up on those questionnaires. The only question I ever got that I could answer was when I applied for this deposit assistance program, Jetty, and it was set up the same way but one of the questions ( I think it was three questions total ). The question was a past residency and I got the answer right because it was actually a question I knew! None of the others were information I had! Like auto loans from XXXX or a mortgage from XXXX?? It might be the other way around but in XXXX I was 14 and in XXXX I was XXXX!! How does that possibly make sense? Im just struggling to qualify for a credit card anywhere and I dont understand why. I have multiple friends in the exact same situations and everyone has gotten approved : ( I dont know if it could be the case but the only answer I have is fraud? Maybe identity theft? I dont know what it could be and I really dont know what to do at this point. I need help NOTE : Once I am contacted I will submit my ID and social security license to whomever I speak with to prove my identity. If needed I am pretty sure I can also provide my birth certificate ( my mother hasnt given mine to me yet, I can get a copy if needed though ).

Company response to consumer: Closed with explanation