BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681s-2 ( A ) ( 1 )

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 2022-11-28
Company: Experian Information Solutions Inc.
State: SC
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ending in / XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX ending in XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX ending in XXXX, XXXX, XXXX. No full number shows on the report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  ending in XXXX, XXXX, XXXX. No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX section XXXX A states I have a right to privacy. 
XXXX XXXX XXXX section XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( XXXX ) 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.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: SC
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 FCRA name of accounts has violated my rights. 

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 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 account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Thursday I transfer {$2000.00} through XXXX on my chase mobile app. Then the person never respond me after.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My wife and I both have a loan with flagship. We could no longer afford the vehicle my wife was financing and in XX/XX/XXXX we requested Flagship to pick it up. They told us it would be 7 to 10 days. They never picked it up i call to asked when it would be and was told that it would be 4 or 5 months. My hoa will not allow us to park vehicles on the street overnight so we were getting letter from them with threats of tow. So I called Flagship to see if the would allow me to sell the car for them, it would make them more money and it would get the car out of the street. They agreed finally after months to settle the account for XXXX in XXXX and the company that purchased the car sent the XXXX payoff to flagship. The problem is they applied the payment to my account instead of my wifes. I called a make my payment in XXXX and I was told that I did not have a payment due?? I asked why and was told by Flagship they did not know why I wasn't due??? I called the next month and at that time I was told that I did not have a payment due until XXXX??? I then very quickly figured the problem was a misposting. I asked them to correct the misposting for month but it went unfix until XX/XX/XXXX. Once I saw it was corrected I called to make the payment and was told all passed due payment are due or repossession. I have now asked to correct the problem they have made and their response is get an attorney and sue us???????????????? They need to correct the problem and allow me to make payments again.

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 2019-07-25
Company: Eagle Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I told then on XX/XX/19 at XXXX XXXX when they called from a restricted number to not call me at work. TodayXX/XX/19 I arrived to work from a doctors appointment and my coworker tells me someone called his phone asking for my extension so he forwarded them to my phone to where they left a voicemail at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to apply for credit without his consent. While the fraudulent credit items have been disputed the credit bureau Experian has verified the fraudulent related address is accurate. This is a violation for the FCRA.

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 2021-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used a swift transfer to transfer money from the Bank of America to my bank account in my home country. It was made on the XXXX of XXXX of XXXX  in the office of Bank of America, XXXX XXXX XXXX, XXXX. I transferred XXXX US dollars. Relationship Banker, XXXX XXXX, told me that after 5 working days I will receive money, but I did not. I want to contact them and solve this problem

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 2023-08-24
Company: NCB Management Services Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1-2 calls per day. I have asked them to remove this number and have also emailed a request to ceases and desist. Refuses to answer questions or identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681n - Civil liability for willful noncompliance LII Uniform Commercial Code 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, XXXX XXXX, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE.

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 2017-12-16
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. 

On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. 

They do say, however, that I should trust them and that there is in fact a contract. 

They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. 

On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. 

I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. 

This is consuming my time trying to deal with this and causing me some distress. 

It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. 

In the mean time, they are negatively impacting my credit. 

I would appreciate your assistance in resolving this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NJ
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 ; 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 2022-12-17
Company: GreenSky, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
If paid off our loan on time then we would not recieve any interest charges. XX/XX/2022 was the last day. On the XXXX we paid off the loan submitting 2 payments on line. On the XXXX Greensky charged us XXXX finance charge and then on XX/XX/XXXX they reversed one of our payments of XXXX I called our bank and green sky never attempted to process our payment. From our point of view green sky just reversed our payment in order to charge us all the interest. 

On their website it says that all disputes need to be submitted in writing to then with in 60 days. I have been through this same thing with XXXX XXXX XXXXXXXX. they always claimed to have never recieved our letters even when sent by a lawyer. 

Any help that you could give us would be greatly appreciated. I feel that writing and sending letters would be wasting some of our 60 day window. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Rentdebt Automated Collections They did not notify me of an alleged debt for collection with their company. The debt was for apartment move-out damages. 
They never sent notification to my known forwarding address, email or called me. If it was move-out damages, how could I still be living there. 

They Listed the debt on my credit report and did not provide verification of debt when requested. 

They did not remove the collection from my credit report and continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA -- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.

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 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered product from XXXX XXXX in XXXX. I never received any shipment information, so I tried to contact them, several times, through website email. There was no response. 
I questioned the integrity of this company after going on line and finding multiple Scam Alerts on consumer websites and XXXX, with consumers experiencing similar issues of no response to inquiry emails sent and non- functioning toll free numbers. 
When XXXX website had information advising no longer selling products, I contacted CapitalOne to report issues, not receiving product and disputed transaction. On XX/XX/XXXX I received package from XXXX XXXX, in soft non padded plastic bag. There was no receipt enclosed only a dented box, with the unit broken. It appeared to have been crushed or possibly not assembled properly before shipment. I sent email that same day to XXXX XXXX, advising item received broken and requested an XXXX label, but again no contact at all. A few weeks later I received a letter from CapitalOne declining dispute advising I now have to pay charge.I contacted CapitalOne account XXXX XXXX ID # XXXX this morning ( XXXX ) who stated, it's not CapitalOne responsibility to ascertain if company the Consumer does business with is a scam or not. In addition, although I sent proof of trying to contact requesting cancel/return product, XXXX advised CapitalOne is requesting I pay charges anyway, adding dispute is closed ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17
Company: Ocwen Financial Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Some time in XX/XX/XXXX, PHH Mortgage sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with PHH Mortgage since XXXX. When PHH sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, XXXX, and XXXX as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX  and Experian should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX  nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX and XXXX XXXX XXXX did not validate the debt and can not report on my credit over 30 days ago. I requested both debt collectors to validate that they have not responded. 
I disputed it with Experian and they ignored the fact they are in violation of the fair debit collection practice 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 2023-08-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hyundai motor credit is reporting on my credit reports that this account was paid for last and written off this account was paid in full and needs to be deleted off my credit report they report it one minute that it was paid in full then they put that I hadn't paid I need this delete it today from all three of the credit reports

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/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