BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I understand that XXXX, Transunion and XXXX assumed a vital role in assemble information on me as a federal protected consumer. XXXX, Transunion and XXXX is impeding the banking system. XXXX, Transunion, XXXX is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, Transunion and XXXX ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, Transunion and XXXX ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to E Oscar verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.

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 2023-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" I, XXXX XXXX, am writing to express my concern about the actions of PORTFOLIO RECOVERY. It has come to my attention that the company has been illegally reporting on my account, and I am requesting that all communication regarding this matter ceases immediately. I do not give PORTFOLIO RECOVERY permission to communicate with me regarding any alleged debts, as stipulated in 15 U.S.C. 1692c ( a ). The negative reporting on my credit report is defamation of character, and I have the right to seek actual damages according to 15 U.S.C. 1692k ( a ) ( 1 ). This negative reporting has caused me to be unable to secure a new car, and I believe that PORTFOLIO RECOVERY is engaging in extortion by reporting on my credit for this alleged debt. I am requesting that PORTFOLIO RECOVERY remove its reporting on my credit immediately, or I will fully exercise my rights as a federally protected consumer and seek legal remedies. I will be sending a letter via certified mail to confirm this request. To avoid any misunderstandings, I have included references to the relevant laws for your convenience. I hope that this matter can be resolved quickly and amicably. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: OK
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:
You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 XXXX. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( XXXX ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One furnished my information regarding my Transactions with them to non-affiliated third parties without my consent which they CAN NOT DO, according to 15 U.S. Code 6802a - Obligations with respect to disclosures of personal information. 

Furthermore, according to 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction, which states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report... 

Therefore, the transactions between me and Capital One should not be reflected on my consumer report. 

Lastly, per 15 U.S. Code 1681s2 ( A ) which 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. 

In addition, section ( B ) states : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

See attached consumer report for INACCURATE information Highlighted and Circled in RED that being reported on my consumer report, which I never approved to be furnished to non-affiliated third parties in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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:
I had a credit card with Citizens Bank opened on XX/XX/XXXX. During the first two years of this account, I had no issues. In XXXX I experienced health issues and was unable to work or pay my credit card bill. I made Citizens bank aware of this and was informed that there was nothing that could be done at the time. Ultimately the account was closed and charged off. When I was finally able to return to work and repay my credit obligations I contacted Citizens bank who informed me of the balance due. I made restitution in full based on the balance I was given ; only to find out later that there was still money owed but they wanted a quick resolution to this issue. When I recontacted Citizens after reviewing my credit reports I noticed two things about how it was reporting. XXXX, the balance was paid in full for less than the total amount. I never agreed to this. XXXX the account is still reported as derogatory. I did inform Citizens that I wanted to pay the debt in full and have it cleared that I paid my entire amount owed back. I also wanted them to report the account as paid in full and closed once the remaining balance was satisfied. To date, Citizens refuses to allow me to pay the remainder of the balance and is still reporting the account in a negative manner. I would like this corrected. The first time in history I have ever seen a bank not want to be repaid for a debt owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CORELOGIC INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Did not take off 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 2022-01-23
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lvnv Funding LLC at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$910.00} and a second account in the amount of {$1100.00}. the collections has been reported as past due balance, i do not know this company.i have never done any bussiness with this company, this company does not have a contract with my signature on it ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Vericred Solutions LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt to XXXX XXXX XXXX XXXX ( receipt attached ) paid though Vericred Solutions LLC. I do not owe. They placed a balance on my credit report which I was told would be removed. I have requested multiple times for them to remove this debt from my XXXX  credit file. I have completed many disputes and attached the receipt paid. I would like this information removed from my credit file because I have paid this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The companies mentioned below have illegally bought my personal information including SSN, date of birth and address from original creditor illegally without my consent, Violating U.S.C. 1681 ( b ) ; in addition they have practiced deceptive and threatening methods illegally using false and fake documentation and illegal threats, also violating U S.C. 45 ( 5 ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed a 30 Day late on my credit report and immediately called and disputed this. I had updated my address with this creditor and hadnt received a statement, unaware that a payment was due. I then received a notice of returned mail. When I called and asked them why my address was not updated they had no answer. I preceded to pay the owed amount and let them know id like the 30 Day late removed, they informed me they would n't help. I then asked to speak to a supervisor they told me it was on a call back basis, I agreed. When three days went by I decided to call them. The same result occurred. 

I would like the 30 Day late removed given the circumstances. I have also never had a 30 Day late with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i requested the information but i received nothing and they evenually hung up on me. i NEVER received anything in the mail. i also disputed all 3 LVNVFUNDING LLC collection accounts with all 3 credit bureaus and they all removed the collection accounts in XX/XX/2023 but then i was inform today that XXXX and XXXX has put them back on my credit report with no notification and nothing has been sent to me that show /varify or validate theses accounts. i have sent a certifide letters to all that if this can't be varifide /validated and the information/documents be sent to me to remove them from report. i got nothing in response to my request. so they removed the accounds and they sent me a notification on the updated information stateing the collection accounts has been REMOVED from my report. they violated that by putting it back on my report and not sending me any documents to support it being back on my report. i'm requesting that ALL 3 BUREAUS take it off and keep it off of my credit report. by them putting it back on my report it is causing a hardship on me in moving forward in my life. not to mention they all are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
Additional information ; I was recently denied employment I'm assuming because of my credit report and credit score. After investigation- accounts is still being reported inaccurately on my Equifax credit report. In XXXX of 2019 ( Equifax ) has initiated an investigation on the following Accounts ; however, the current report reflects absolutely no changes ( A violations ) ( Please see attachment for further details ) ( XXXX XXXX XXXX ) - account balance is inaccurate & unverifiable. First date of delinquency is not reported. A violation ( XXXX XXXX XXXXXXXX XXXX ) - reaged account, account does not reports ( first date of delinquency ) A violation ( XXXXXXXX XXXX XXXX ) account does not report last date of payment or first date of delinquency. A violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
They send warrent and summons threw my email ; they threaten to have me prosicuted in the highest court for bank fraud.I never got a loan my account was hacked 3 years ago i then was told by the bank to get a new account im still getting threats

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have sent multiple emails, uploaded the same document twice and there is no communication from the company that they are even looking at it. Its ridiculous that I tried calling this time and I got a 468 minute wait time. I put my number in a queue but theres no sign of them calling. Its been the 468 minutes already! LONGER! I just want information about repayment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
American Express opened up an account in my name utilizing information that I did not give them approval to use. I have complained on numerous occassions and they keep responding with letters stating that they tried to get in contact with me but they had no luck so they refuse to close the fraudulent account FTC Affidavit and police report are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: JPMORGAN CHASE & CO.
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:
On or about XXXX XXXX, a complaint was submitted to XXXX related to Chase Fraudulent reporting of their failures pertaining to the internal financial reporting. A report on fraud was reported for the sum of {$240.00}. On or about XXXX XXXX provisional credit was applied in that sum but balance was never adjusted. On XXXX XXXX the fraud department called claiming duplicate provisional credit was applied which, Chase took back the provisional credit after XXXX sent the money back to my credit card. During the reporting month only {$310.00} was utilized for credit spending plus {$200.00} was paid by myself with credits of {$44.00}. from XXXX. So, from the time of the credits posting on XXXX XXXX and close of statement date this was the statement date which my balance was {$1700.00}. reported by chase however, {$310.00} was used after XXXX XXXX a payment for {$100.00} made on XXXX XXXX. The credited used prior to XXXX XXXX was {$310.00} and XXXX XXXX Chase bank fraud called stealing {$240.00} stating duplicate provisional credit which I never recieved leaving me on XXXX XXXX statement close at {$2100.00}. CHASE BANK COMMIT FRAUD BY STEALING THE CREDIT BACK AND THE EXECUTIVE ASSISTANT XXXX STATES NO CPA, NOR THE PRESIDENT OR CFO or CEO will deal with this problem. XXXX has no degree in finance or is a CPA and she stated the CEO has put her in charge to make the decision and she is the highest it will go to. SO CHASE BANK CEO HAS PUT UNEDUCATED PEOPLE TO DEAL WITH PEOPLE 'S MONEY. THIS SHOULD ONLY TELL CUSTOMERS THAT THE INVESTORS AND SHAREHOLDERS DONT CARE ABOUT WHATS GOING ON AND XXXX is only helping them by checking in or providing the proof on what the company 's trying to defraud customers about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX and I certify under the penalty of perjury that all forthcoming facts are the truth. Predatory Lender Capital One Auto Finance has been violating federal consumer protection laws and imposing on my rights as a consumer by generating fraudulent retail installment sale contracts and consumer credit contracts on multiple occasions. On XX/XX/XXXX I was misled to sign a fraudulent consumer credit contract under account # XXXX at XXXX XXXX located in XXXX XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # XXXX by XXXX sales XXXX as well as Capital One Auto Finance XXXX Again On XX/XX/XXXX I was misled to sign another fraudulent consumer credit contract under account # XXXX at XXXX XXXX XXXX XXXX in XXXX NJ for a XXXX XXXX XXXX ( XXXX ) ; VIN # : XXXX by XXXX XXXX reps as well as Capital One Auto Finance XXXX Both consumer credit contracts are misleading and deceptive because both documents include language that refers to the documents as both " Retail Installment Sale Contracts '' and " Consumer Credit Contracts ''. These documents should only have one title, its contradicting that the document is using language that refers to the documents as being two different types of contracts in one. This is a violation of 15USC1692J : Furnishing certain deceptive forms and 15USC1692E : False or misleading representations. These contracts are also fraudulent because they advertise the requirement of cash down payment which violates 15USC1605 : Determination of finance charge which states that " the finance charge does not include charges of a type payable in a comparable cash transaction ''. Also Capital one auto finance, XXXX XXXX, or XXXX of XXXX did not ensure that I was aware of my Right to RESCIND this consumer credit transaction which violates 15USC163XXXX : Right of rescission as to certain transactions. This predatory company did not provide me any truth in lending disclosure or any appropriate or legal rescissions forms or documentation that ensured that I was made aware of my right to rescind any of these consumer credit transactions/contracts. I am now exercising my right to rescind these consumer credit transactions referenced above and requesting that upon receipt of this notice of rescission the creditor who is capital one auto finance shall return to me within 20 days any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transactions. This includes reporting this account as paid as agreed to all credit reporting agencies. Capital One Auto Finance has 20 days from the receipt of this notice of rescission to abide by federal law and stop violating my consumer rights any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
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:
This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX  XXXX XXXX. and has new account number with different amount ... ... remove 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 non-monetary relief