BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX  account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. XXXX XXXX XXXX XXXX account is VIOLATING The HIPPA Acts of XXXX by providing and disclosing personal information to XXXX & TRANSUNION. This is a violation of my consumer right to privacy by having XXXX XXXX XXXX listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. XXXX XXXX XXXX XXXX, XXXX, and TransUnion are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my 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 2020-05-19
Company: JPMORGAN CHASE & CO.
State: MI
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 rented a condo in XXXX XXXX, Michigan XX/XX/XXXX - XX/XX/XXXX. COVID hit and Michigan went on lockdown on XX/XX/XXXX. I tried contacting the owner ( per XXXX XXXX guidelines ) on  XX/XX/XXXX to cancel this reservation. I called the number listed by XXXX for the owner ( XXXX ) XXXX and talked to XXXX XXXX. I told her that due to COVID I needed to cancel. She replied, let me look into it and call you back. I said ok, do you need my name and phone number? To which she replied " no, I have it on caller ID. '' She never called me so I decided to try and text her so I had some sort of record showing that I tried again to reach out. Being that we both have XXXX XXXX, I can see that she read the message but never replied. So at that point I started a dispute with Chase Bank. I processed the dispute via their app on my cell phone. Today ( XX/XX/XXXX ) at XXXX I received a reply from Chase Bank stating that they deemed the charge valid. I was unaware that because I processed the dispute via their app, that they would never ask me for my supporting documentation. So I called them this morning at XXXX, waited about 20 minutes to finally get connected with a rep named XXXX . She told me that there's no way to respond to the letter that I received via email and that I would have to mail or fax documentation. I then asked for a supervisor. She put me on hold and then hung up on me. So I called back. I then spoke with a representative by the name of XXXX. I went back through my story and he said that he would email me the instructions for re-opening the dispute but that it could take 9 days to get the email I told him I was considering opening a complaint with the CFPB as well and he stated he would recommend that I do that in addition to re-opening the dispute with them. I have proof A ) that I tried to cancel as well as B ) that I was not even in the state to use the condo on XX/XX/XXXX. I find it very unfair to not adjust this credit since this COVID pandemic and the state of Michigan being on lock-down being out of my control. I'm attaching my XXXX cell phone bill and have highlighted when I called XXXX to cancel. I've also attached a copy of the text that I sent to XXXX showing that it was read and that she didn't respond. Lastly, I've attached the chat with XXXX showing that I tried to cancel with them and they told me I had to contact XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( I.C. Systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against 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 explanation
Consumer complaint received 2020-10-15
Company: Diversified Adjustment Service, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently checked my credit report and saw that a 30 day late & 60 day late payment on my Visa card and a 30 day late payment on my Master card were placed on my credit bureau. I reached out to CapitalOne and indicated this was incorrect and that they never contacted me by phone or written correspondence. 

Following are the details : Capital One ( Visa card ) - 1 x 30 day late on XX/XX/XXXX and 1 x  60 day late on XX/XX/XXXX Capital One ( Master card ) - 1 x 30 day late on XX/XX/XXXX I requested CapitalOne to provide me with their documentation of the legal steps they took, as required by the FCRA, before reporting a negative rating on my bureau. They refused to provide me with the actions they took. 

I have never received any kind of communication from them regarding these late payments nor any information that they are going to report these remarks to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Account information incorrect

Complaint:
Incorrect amount of XXXX dollars is being requested for payment as noted by equifax for fee amount and incorrect balance amount is being displayed. The correct amount for payment is {$30.00}, XXXX XXXX XXXX is supplying incorrect data to equifax reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2020-07-06
Company: EQUIFAX, 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:
I've been trying to resolve this issue since last year in XXXX. I reached back out to Equifax today XXXX and was hunged up on. I disputed fraudulent inquires and incorrect information regarding a account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been forced into bankruptcy, to prevent foreclosure, twice after applying for a modification with my mortgage company and being denied. Last year, I applied for a modification and explained to my mortgage company I had a significant decrease in income. I provided all the documents, but kept being denied. After being notified by family that my home was listed online as a foreclosure, I contacted XXXX XXXX XXXX  for assistance. My counselor assisted me with completing and refiling the modification papers, but due to the foreclosure/sale date, I had to file bankruptcy again to stop the foreclosure. THEN, I was approved for a " 3 month trial period '' but my mortgage company sent the paperwork to my bankruptcy attorney 's PO BOX , instead of mailing them to me at my address, or the my attorney 's fiscal business address. When my attorney called me to come pick up the paperwork, I only had 2 days to have the final modification papers/documents sent back to my mortgage company. I did not have access to a fax machine, and even if I had paid for overnight postage with the Post Office, the documents would not arrive from Alabama to Texas by the due date. As a result, I took a picture of the documents with my cell phone and uploaded them to my email address. I emailed my mortgage company all of the paperwork, to the email address listed on the modification papers. They stated they NEVER received anything from me. I sent in verification of the date and time, the email was sent and that I did not get an error message or a notification that it was sent to an incorrect email address. They said it would be under review, and I would be notified. I never received an update. I later got a statement from the bankruptcy court that my mortgage company had filed to proceed with the foreclosure and they added additional bogus charges/fees for several inspections, attorney 's fees, and legal filings. I called my mortgage company again on Friday, XXXX XXXX, 2020 to ask for assistance on reapplying for a modification ( since my online account is deactivated due to my bankruptcy ). The customer service rep, stated I can not file for a modification and I would need to speak to someone named " XXXX. '' I asked who was XXXX, and was not given any information or any means to contact XXXX?? I called my bankruptcy attorney and asked what do I need to do. I explained I have been affected by COVID in XX/XX/2020 and XX/XX/2020. I used up all of my sick time, went on LWOP, plus I am the only one in the home that is working. My attorney advised me to try to refile for the modification because my mortgage company was the reason for me filing, and I can be released for bankruptcy if they approve a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
US Bank Credit Card # XXXX due date for monthly payment is XXXX of every month. I get paid on the XXXX so I call in the payment during the day to the number provided on the statement XXXX, I make the minimum payment as I am hurting financially a lot. They take the payment, on the next month 's bill I see a charge for {$40.00} saying the payment is late, this happened three or four times now. I have closed the account because they would not take off the fee. I work two jobs now, I was unemployed for almost two years. It is very important for me to pay my debts, however US Bank was not working with me and charges one of the highest interest rates around 23.99 %. I can not wait to pay off this bill. I think it is very unfair the late fees they are charging me. This year due to Covid it has been especially tough keeping the 2nd job. The total fees charged this year are at {$150.00}.

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 2021-02-23
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
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:
On XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, XXXX, AND EQUIFAX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On XX/XX/XXXX XXXX  XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report ( this one, in addition to a couple more ), and in response to my kind request as a happy XXXX  XXXX Client. As up to date, Equifax shows the 3 inquiries ( the XXXX and XXXX XXXX XXXX  and XXXX  took off, plus this precise one ), and both XXXX  and XXXX  still show XX/XX/XXXX only. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. Equifax is neglecting to remove anything, and the other two remove partially, as explained. Should them continue in their non-compliance, I may end fighting for a long period of time, at small claims court, as I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.Kindly ask XXXX XXXX to help on this matter, to avoid having unnecessary discussions with a happy XXXX XXXX client. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. Equifax is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX   did, and this in addition to several other inquiries started after the Equifax data breach publicly known.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Credit Acceptance has been weighing heavy on my credit report for over 6 years and I have been denied all credit, from Morgage loans, car loans and/or credit cards. I would like for them to be removed indefinitely off all 3 of my 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 2017-08-08
Company: General Information Services, Inc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
See attached criminal background check. I 've been unemployed for almost 8 months, and FINALLY have some VERY GOOD opportunities/leads, but if these outdated charges appear on my background check, I 'm certain, I will discounted for employment. Please help me. Details : There are " XXXX '' XXXX XXXX  listed in detail from XXXX County, FL in  XX/XX/XXXX and XX/XX/XXXX that were dismissed and gone ( I thought ), but they show up, loud and clear. There is also and admission of XXXX XXXX XXXX in Colorado, but nothing showed up on the search - PLEASE, PLEASE REMOVE THAT FROM PUBLIC RECORD. All of this will likely hinder my chances of employment, that were disposed, and should be removed due to the statute of limitations ( as I understand it = 7 years ). I 've highlighted everything of concern that I hope you can remove. Please help me. I 've worked very hard to clean my credit and get my life back on track. Thank you very much for your time!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation