BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off!

15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-03-09
Company: Paul Michael Marketing Service
State: NY
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:
Someone used my personal information to obtain medical care, which subsequently was transferred to Paul Michael 's Marketing. Paul Michaels Marketing is reporting a fraudulent collection on my credit and I am requesting the immediate removal of this account from my credit as its not mine. Please note the attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on this account is incorrect and hasnt been updated per my request the I thought the fair debt collection act was supposed to protect me for company reporting however they want

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have opened a XXXX credit through Wells Fargo bank. I have used the card only at a few stores. A few weeks later I receiced a text message asking me to verify recent transactions which I did not make nor approve. Additionally, there were several attempts made to use my credit card a week prior by someone else on XXXX XXXX, but I never received communication about that from a bank. The transactions just got denied and I was not notified that someone was trying to make unauthorized purchases. Once I confirmed that the purchases were not authorized, the replacement card was sent my way. Once I received a card, I wanted to activate it but I was informed that it was already compromised. So my card was compromised even before it was activated. In total, I had XXXX XXXX credit cards.

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 2022-02-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
15 US CODE 1605 AND 1666B AND 1681 STATEMENT OF ACCOUNTING IS NECESSARY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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  Account # 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, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 15 U.S.C 1681 Section 623 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2023-02-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023 XXXX XXXX XXXX sent {$420.00} to PayPal on my behalf.paypal sent an email to me at XXXX advising I had {$420.00} in my PayPal account and asking do you accept this money.i clicked the big green emblem accepting the funds.then PayPal asked what I wanted to do with the funds.two choices I selected deposit in my bank account XXXX  XXXX XXXXagain 2 choices instant deposit for a fee or delayed deposit no fee.i selected instant deposit.a fee of a little over {$7.00} appeared asking did I accept this fee.i indicated yes.balance of {$420.00} supposedly was deposited.upon checking with my bank no such deposit occured I was advised to contact PayPal.after several unsuccessful attempts to get the funds I instructed PayPal to refund the {$420.00} back to XXXX XXXX XXXX a small business I did business with so I could have XXXX  send my funds to a reliable source my bank recommended XXXX and further to close my PayPal account.paypal agreed.the owner of XXXX sent me a screenshot of PayPal sending the refund then stopping.i contacted PayPal again `` your refund was deposited in your bank account '' Wrong.wasnt.paypal still has my funds.the last supervisor I spoke to and recorded said I was lying about initially requesting the money be deposited in my bank and being charged a fee.she was rude and gave me the impression that my refund would be sent back to XXXX next week whether I liked it or not.im contacting corporate Monday but don't expect much better treatment.oh they recorded all these conversations and so did i.i feel at XXXX on a fixed income both XXXX abuse and cival rights abuse apply herem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX I do not know the above names. This has shown up on my credit report. The only debt this could have been was XXXX XXXX from 2021. The debt at the time was under the credit limit of {$700.00}. I contacted XXXX because I was locked out of my account. They refused to grant me access to my account so that I could make a payment. I got a new phone and could only access the account through phone verification. I let the company know that I became XXXX and can not work. The company refused to work with XXXX XXXX XXXX. I have been paying all outstanding debt in payments to XXXX XXXX relief for the past 14 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XX/XX/2023 I contacted Carrington Mortgage to make a payment due to not being able to send in by mail since Im overseas. I spoke to a supervisor XXXX that was very kind and advise after accepting my payment ( over the phone since my checking account is in the system ) that I would be able to make my payment via online or calling if needed. I attempted to make a payment of XXXX to my account XX/XX/2023 at XXXX and spoke with XXXX teller ID # XXXX that refuse to take a payment from me over the phone. My account has been flagged and sent over to the credit bureau once again flagging my clearance. 
XXXX XXXX did the exact same thing while under an active COVID for essence and still transferred my account to Carrington. Something needs to be done this is unacceptable and making it very challenging for members to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-07-20
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: Account status incorrect

Complaint:
Both XXXX and TransUnion is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and TransUnion saying the account needs to be deleted off my 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
delete these inquiries XXXX XXXX XXXX XXXX XXXX XXXX  inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX, XX/XX/XXXX XXXX  my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX XXXX XXXX was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by 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 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Complaint involves all CRAs. 

Multiple CRAs, multiple credit scores, multiple scoring models makes it easy for lenders to use data as they please. This impacts the customer. 

Example : Through XXXX XXXX my credit score is XXXX using FICO model XXXX XXXX data. 

I applied for a loan with XXXX XXXX  and although approved the credit score came back at XXXX using TransUnion with a rate of 7 % Unsure what model used.

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 2022-02-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Chase Auto Finance and Tax Payments For those of you that live in Connecticut this is for you. 

If you lease a car via Chase Auto read the fine print of the lease paperwork- which was never pointed out to us at the time we purchased the vehicle, as Connecticut bills the lien holder for a 6 month period for property and excise tax on a motor vehicle. And then the state keeps billing in 6 month increments until you no longer own the car, have moved, died, or it was stolen. In our case, Chase paid over XXXX in taxes on this vehicle. 

Chase automatically pays the taxing authority and then sends an invoice to the customer claiming the amount of tax they paid on your behalf and expect it paid within 30 days. 

It turns out that in our case an appeal was filed on our behalf, by us, and it was very quickly, I might add responded to, and corrected by the State of Connecticut with a refund.

Since Chase Auto paid the taxing authority and we paid Chase accordingly the refund goes to Chase first and they refund the money to us.

Chases Auto unit is dishonest, fraudulent, inept, unprofessional, lazy and has no accountability. Its so bad that even other Chase employees of enough stature ( private client banking employees ) within the bank cant get this unit to do its job properly. 

This process of getting a refund, which the State of Connecticut has approved and paid to Chase, is going on 9 months yet as the customer, we cant get our money back. 

Connecticut has provided everything weve asked for in a timely manner. The XXXX XXXX tax authority has done nothing but bend over backwards to help us yet Chase Auto cant seem to handle the most simple of tasks. Its so bad that if the money ever does get refunded that they cant even EFT it to my Chase checking account. They have TO SEND A PAPER CHECK! 

The documentation and details surrounding this issue would fill up a file drawer. One of Chases biggest problems is that they cant even have their customer service agents provide basic information, like when did Chase Auto actually pay the tax bill? Or, when was a refund physically received by Chase Auto vs. when it was processed? After 9 months of XXXX  I actually had an agent today say to me that they dont even show a refund request in their system. Seriously, I cant make this stuff up. 

The problem is that the bank has no accountability built into their system. They dont care who you are what you do with them as a customer. They just want their money and they dont care what the have to do to get it. And in this case, once they get your money, they dont want to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: DE
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 received a notice from Equifax on XXXX XXXX To be clear I never was sent proper notification via a dunning letter. Yet equifax reported this medical debt for XXXX without any type of validation, and were totally dismissive during my outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX Re : XXXX  XXXX  Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 

2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection. 

3. A statement admitting whether you are the holder in due course or whether you are a servicer. 

Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. 

Thanks. 
XXXX XXXX Without Prejudice

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 2021-07-20
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21 I sent Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX, a request for Validation letter concerning a Medical Collection for {$900.00}. Phoenix Financial has failed to reply or Validate the account with me. I contacted the Credit Bureaus and they reply Stating Phoenix Financial validates the debt. But can't give info., on how Phoenix Financial has validated the debt. On my last credit report it was not Stated that Phoenix Financial has place my request is in Dispute. On XX/XX/21 I followed up with a Second request and still No reply also along with the Second letter I also sent a copy of the Second request to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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