BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMSHER COLLECTIONS IS ATTEMPTING TO COLLECT A DEBT NOT OWED TO THEM AND HAS FRAUDULENTLY REPORTED THIS TO MY CREDIT REPORT. THIS REPORTING HAS NOT ONLY NEGATIVELY IMPACTED MY CREDIT RATING BUT ALSO IS A GROSS VIOLATION OF MY RIGHT TO PRIVACY. I DID NOT GIVE ANY CONSENT FOR THIS COMPANY TO ACCESS OR DISTRIBUTE MY PERSONAL INFORMATION. 15USC 1681 ( a ) ( 4 ) You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. 

NO WRITTEN INSTRUCTION WAS GIVEN TO REPORT THIS ALLEDGED ACCOUNT ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I have not done or agreed to do any business with AMSHER nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is another direct violation of my rights 15 USC 1681. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] FDCPA 813 [ 15 USC 1692k ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, XXXX, XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2023-11-25
Company: JPMORGAN CHASE & CO.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have decided to refinance with our bank and get out from Chase Auto, as there is no resolution to this matter. We have asked three times for them to mail our payoff to us and we still have not seen it. I have made sure they have the correct address, and they are not complying with anything that we have asked them to do. I have personally asked them three times to mail it out and still have not seen one in the mail. They are walking their way around it so now I'm going to ask for them to e-mail it to me. I have never dealt with such unprofessional people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
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 contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting the inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these invalidated claims.

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 2020-10-23
Company: LEXISNEXIS
State: IL
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 a federally protected consumer and Lexis Nexus has violated me under the provision of 15 USC 1692. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made repeated attempts to explain to American Express representatives who have relentlessly called to implore me to make a payment on my account that they had no good reason to close my account. After closing my account even though it was in good standing they still tried to collect payments because they said I was still carrying a balance. The question is, how can I owe American Express if the account is closed and no longer attached to my name? Another problem emerged after they realized I wasn't going to make a payment because the balance was still in question and I attempted to get the account reinstated so that I could continue to make payments ; they decided to sell the debt to a collection agency by the name of XXXX XXXX XXXX XXXX. and cancelled my request for recourse. They are in violation of FCBA due to the fact that they have not provided any clarification on the disputed balance nor have they illuminated the true reason why they closed the account. Amex is engaged in bad business practices and in my case this was " even though we know your account is in good standing, we're just going to close it for no reason and still make you pay the balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I have been wrongfully denied refinancing by NEW REZ LLC mortgage company based on race, gender and age bias. 
I am refilling complaint of discrimination leading to denial of lower interest mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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:
TransUnion has been allowing XXXX to report false information to my credit report i have requested verification from TransUnion regarding these accounts and they have fail to send me my request the accounts are not mine i have no knowledge

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 2023-01-24
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:
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 2018-10-02
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The company has Called me a number of times and everytime they have failed to prove id for the company they are with and keep asking for personnel data before id the company they work for. I have told them to stop calling due to them not being able to id themselves before they seek personnel information. They called on the XX/XX/XXXX and XX/XX/XXXX and on the XX/XX/XXXX i told them not to call due to that they would ask for information without letting me first know what it is was for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened up a XXXX XXXX account in order to get a XXXX XXXX Amex credit card. I then got it. 

My XXXX XXXX account was closed. 
Amex let me know I have until XX/XX/XXXX to open a new account or my amex card will be closed. 

In XX/XX/XXXX I opened a new XXXX XXXX account. 

Still Amex closed mt credit card on XX/XX/XXXX and blamed it on XXXX XXXX. 

I called XXXX XXXX they said it was Amex decision. 

Fact is someone is lying and acted against their own terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  and Transunion have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA XXXX, have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.

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 2020-07-23
Company: EQUIFAX, INC.
State: MO
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:
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE BROKE INTO MY CAR WHILE I WAS AT A CONVENTION IN TEXAS WITH A GROUP FROM XXXX, MISSOURI. I BELIEVE IT WAS SOMEONE FROM THE GROUP BRCAUSE OF THE LOCATION OF THE ACCOUNTS. THEY ACUIRED A BANKRUPTCY IN MY NAME, IT WAS XXXX, BUT IT IS STILL NOT MINE, ITS REPORTING ON MY XXXX  CREDIT REPORT. THEY GOT VEHICLES IN MY NAME ALONG WITH STUDENT LOANS. IT IS EVIDENT THEY HAVE BEEN DOING THIS FOR A WHILE, I DIDNT FIND OUT UNTIL A COMPANY PULLED MY CREDIT, I RARELY CHECK MY CREDIT REPORT.THE FOLLOWING COMPANIES WERE FRAUDULENTLY OPENED IN MY NAME : XXXX   XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI STUDENT LOANS # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX/MISSOURI/ STUDENT LOANS OPENED : XX/XX/XXXX XXXX. XXXX XXXX/ XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX  XXXX XXXX   OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX   OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX   XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX CHAPTER XXXX BAMKRUPTCY XXXX # XXXX DATE FILED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENT OPENED IN MY NAME : US SM BUS ADMIN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Rodenburg LLP
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX RODENBURG LAW FIRM On XXXX XXXX the Firm served me with a letter, Dated XX/XX/XXXX, saying I owed XXXX XXXX  {$3400.00}. They said on various occasions I also allowed Others to use my Card for purchases or to withdraw Cash. They also implied I, myself, withdrew Cash ... None of this is true. I also saw no Date or where to appear on the Summons. 

I fell on hard times & could no longer keep the Card. I looked it up on my Credit Report & it said that the Charge was written off, I believe, in XX/XX/XXXX. 

I returned a letter to her saying I would be willing to try to pay on it, if they could reduce the total & would allow me to pay on it AFTER I finished paying off another Card I'm currently paying on. 

She responded saying I would have to pay {$120.00} a month, plus 10 percent annual interest beginning XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) & Sign a " Stipulation '' Agreement stating : " By signing this Stipulation & Consent I am acknowledging that I have been served with the Summons & Complaint and that I FREELY give up my right to an Attorney. Is that Legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My laptop showed me a couple of pop up screens that said someone was trying to steal my identity. I couldn't close them out so I called the toll free number on the screen to see if I could handle it. 
I was on the phone for hours trying to get this resolved. I came home and we were missing upwards of {$16000.00}. My wife was devastated. I'm not sure what to do now but my wife said to talk to you guys to see if anything can be done. 
The money is gone and she said we will not see it ever again. 
Please let me know if you can help. 

Thank you, 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 explanation
Consumer complaint received 2023-02-17
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:
I have noticed this company lvnv funding LLC on my credit report. I have attempted to dispute this with XXXX several times. I have seen conflicting addresses to disputers with LVNV funding so I have called. I was told to send it to a XXXX XXXX XXXX. Lvnv funding is reporting two accounts on my XXXX and XXXX credit reports under the name XXXX XXXX one in the amount of {$1600.00} the other in the amount of {$1200.00}. I have asked for validation of the debt. I have received nothing. I have received two different statements from LVNV funding threatening to take me to court and sue me for the amounts listed. 
I LVNV funding to provide me with the proof of the money that they say I owe what it is for. Explain to me and show me how you calculated what I owe. Provide me copies of any papers that I showed I agreed to pay you what you say I owe. Provide a verification or copy of any judgment if applicable. Identify the original creditor. Provide the statue of limitations has not expired on this account. Provide proof that you are licensed to collect in the state of texas. Provide proof of your license numbers and registration agent. 
I have received no information from this company. I have no signed contract or dealings with this company. From my understanding it is a violation of the Fair credit reporting act and violation of fair debt collection practices for this company to falsely report that I owe them any money. I have contacted XXXX several times to explain I have no dealings with this company and XXXX refuses to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Lincoln Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I got a truck for my cousin on my credit then they were going to transfer to his well the car got repo and they sold it without my consent and they never notify me and its on my credit as a bad debt. They chargeing me more then car was worth. They called my work and they were harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : United States XXXX Employed on XX/XX/XXXX to Present I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My loan was supposed to be converted by gap and it was totaled a few months after I bough it leaving me with a balance

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 2023-02-17
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cell phone I don't know when this account was open this Account was open .they said I did not open this Account, this is fraud! I told them years ago, XXXX, XXXX and XXXX when I notice items on my credit report, everything came in the from a collection agency.

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