BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-17
Company: Global Lending Services LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
As start I am non XXXX visa  holding work permit for 3 years ended on XX/XX/2021 but I was giving a car loan for 6 years and now I am not be able to finish it because my work permit is expired on XX/XX/2021 and when I was told to sign the contract they did not ask for my visa or work permit I did not know at that time because I did not get chance to think about it I was under pressure by the salesman what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Credit inquiries on your report that you don't recognize

Complaint:
My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: PA
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:
Im a victim of identity theft. XXXX, XXXX, Equifax and their non affiliated 3rd parties are violating the Fair Credit Reporting Act and the Gramm Leach Bliley Act. They are infringing on my privacy without any lawful consent from me and causing damage to my creditworthiness and reputation. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: MA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2018-12-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a joint account with my husband. We noticed that over a period of time, the funds in our account kept being withdrawn and neither of us or anyone authorized by us, completed these transactions. 
I contacted my bank who, after their investigation, concluded that the disputed transactions were valid and remain on the account. The transactions amount to over {$600.00} and were all ATM withdrawals. We did not make these withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-05
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Keep calling someone else on a debt that is not listed on the debt collection.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

XX/XX/XXXX I sent a letter to Trans union at XXXX XXXX XXXX XXXX XXXX, PA XXXX disputing a collection account listed as XXXX XXXX XXXX for the amount of {$1000.00} on my credit report. I also asked for Trans Union to send me proof that the debt is mine. I did not receive any proof and Trans Union stated that they validated the debt and it is mine. 

The account has not been removed from 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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have a fraudulent account on my credit report, which I reported it to JPMCB CARD SERVICES, yet JPMCB CARD SERVICES is not removing this fraudulent account. JPMCB CARD SERVICES has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet JPMCB CARD SERVICES has refused to do this. The following is the fraudulent account : JPMCB CARD XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Lending Club Corp
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:
After sending many letters Lending Club has failed to validate this debt in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 The initial request, requesting Validation of this debt The law states that I'm entitled to competent evidence bearing my signature showing that I have ( or ever had ) contractual obligation to pay you the law also states you must respond within 30 Days of receipt of my original correspondence. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 Response to their reply to my initial letter. 
This letter notified Lending Club that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. Also was a formal request of the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, requested that they provide the name, address, and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof, bearing my signature. 
Another formal request, requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Several disputes were initiated with XXXX, XXXX, XXXX each time Lending Club sent verification stating that this is a validate debt and not providing any additional documents. 

I have maintained a careful record of my communications with Lending Club for the purpose of filing a complaint with the CFPB, should you continue in your Non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws I will move forward with the Attorney General 's Office and if that leads to a dead end I will have no choice but to have this issue placed under litigations. 



Based on my paper trail of clear oversight and neglect by Lending Club the following violations could allow me to seek compensation for damages a minimum of {$1000.00} per violation -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) -Defamation -Negligent Enablement of Identity Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid my mortgage on time every month. My original mortgage company - XXXX XXXXXXXX XXXX  - sold my mortgage to a new mortgage company - XXXX. They claimed a notification was mailed, for which I never received! Believe it was sent to an incorrect address? I continued paying my original mortgage company every month. On the third month, the XXXX XXXXXXXX XXXX company returned my mortgage payments in full. When I discovered this, I contacted them to understand the problem. That is when they informed me of the sale. 

I then contacted the new company - XXXX, to learn of the correct payment details, explained what happened, and made remittance of the 3 months of missed payments. 

I thought everything was fine, as I continue to pay my mortgage each month on a timely basis as always. I then discovered that my credit score had dropped dramatically. Further learning this was caused because the new mortgage company reported the error payments as 3 months late. 

I have made numerous attempts to resolve this with XXXX, having contacted them on at least 5 occasions, but have become frustrated with excessive waiting times, and phone transfers without anyone willing to review and address my issue? In XXXX, they did review the credit issue but failed to follow up. Then on my last call ( XX/XX/XXXX? ), they told me I needed to start all over again, which I did. The manager said they will review and fix the issue, but to date this still has not happened. 

The credit reporting companies are insisting I need to provide a letter from my new mortgage company that retracts the complaint and allows me to correct my good payment record. I feel I have been pushed in circles and do not know where to turn to fix this problem. Can you help? 

Reference : XXXX XXXX XXXX XXXXXXXX - account # XXXX XXXX - account # 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 explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received notification from Cavalry on XX/XX/19 in reference to an alleged balance owed to XXXX for {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone used my debit card to send {$2000.00} to XXXX through a company named XXXX. I did not authorize this transaction nor I know anyone from that country. Bank of America denied my claim Claim number 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 monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2019-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple calls per day, every day, with no voice messages left from Portfolio Recovery Services. I have e-mailed them ( PRACustomerCare@portfoliorecovery.com ) two separate requests asking that all calls to my cellphone be ceased and that all business they may have with me be handled through standard US mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2021-06-28
Company: Experian Information Solutions Inc.
State: IL
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:
The credit companies are not complying with their own policies in a timely manner. 
I submit letter XX/XX/XXXX and havent gotten a response yet

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 2021-06-22
Company: Resurgent Capital Services L.P.
State: TX
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:
LVNV Funding at XXXX RESURGENT CAPITAL SERVICES PO BOX XXXX XXXX, SCXXXX ( XXXX ) XXXX. 

Two Accounts : XXXX {$1400.00}, XXXX {$860.00}. 

I've never done business with these people, and I've never received anything to verify it was actually me that opened these accounts. 
Ive never authorized opening these accounts. 
Ive asked multiple times for a copy of any contract with my signature. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NC
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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,

Company response to consumer: In progress
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Hard inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 
1 was XXXX- XXXX 1 was XXXX XXXX with no contact company information. 
1 was Capital OneXXXX XXXX 1 was XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer from my XXXX XXXX XXXX  XXXX. personal checking account for {$25000.00} on XX/XX/2023. Later that afternoon, I received a call from XXXX XXXX customer support to verify that I had originated the transfer ( e.g. that it was not fraudulently initiated ). I confirmed these details over the phone, and this customer support agent informed me she had processed the transfer. By XX/XX/2023 ( three business days later ), the wire transfer was not showing in the destination account. I am submitting this complaint on XX/XX/2023, since the funds are still not available in my Chase business checking account. Chase informed me that XXXX XXXX had not successfully released the funds, but XXXX XXXX informed me otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account status incorrect

Complaint:
Item that was discharged in bankruptcy came back as delinquent. XXXX  XXXX.

Company response to consumer: Closed with explanation