BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: SLM CORPORATION
State: CA
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, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( SALLIE MAE, XXXX XXXX XXXX ) willfully violating the FCRA XXXX Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute. 

I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies. 

I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account. 

When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are. 

I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXXL XXXX  To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX  XXXX  for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX XXXX is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and Transunion. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and XXXX. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I needed my online account unlocked, but was told I have to have a PC. I said I do not have one, only mobile, and followed directions to the desktop version on my mobile phone. The directions did n't work and I told the rep that without electronic access, I would need to close the account. I was then told there would be an annual fee and service charges for closing the account. I stated that I had never been charged an annual fee. I was also told I would lose store discounts and could never have another account. The rep closed the account, but I felt threatened and do not know what extra fees I  may  have on my final bill. I do n't think I should be charged service fees for closing my account. I spoke with the company today and attempted to call the corporate office. They have not called back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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 status incorrect

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX  To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw two incorrectly trade lines for an account from XXXX XXXX for XXXX, one is {$410.00} and one is {$220.00}. Both account statuses show past due and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by XXXX XXXX is a VIOLATION of the HIPAA Act of 1996. 

XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX as well as XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, Equifax and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from Radius Global expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Millco Management
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to being a victim of identity theft I have a collection account with Amerfinancial solutions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CL Holdings LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, I saw a debt reported by Jefferson Capital Systems for a vehicle that was repossessed in 2020. The trade line is demanding I pay {$11000.00} owed to XXXX XXXX XXXX. 

Since I was laid off during COVID, the layoff caused me undue hardship and I was unable to meet the monthly minimum. I have finally found employment ( $ XXXX at a XXXX  ) and have been able to save, but I can not possibly repay this debt in full as I am a single mother with XXXX kids and only one income coming in monthly. I am writing to ask if you would be willing to accept {$2000.00} as payment in full since the car was sold shortly after being repossessed ( XXXX check shows it has a new owner ). I saved up money, so if you could accept {$2000.00}, I could send you a cashier 's check [ or money order ] or make a payment via phone as soon as I receive notice that you will accept my offer. 

If you agree to these terms, please mail a signed and dated letter to the address attached to this complaint or attach it to the complaint. After receiving it, I will send you a payment of {$2000.00}, which will constitute payment in full, trade line deleted, and release me from all further collection efforts by both the original creditor and your collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This compliant is for The XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. In 2008 Bank of America purchased XXXX XXXX XXXX, XXXX for XXXX XXXX dollars. All of Countrywide 's CWAB certificates were paid in full. Also, the Federal Housing Administration, FHA, XXXX XXXX and XXXX XXXX executed settlement agreement with BofA releasing all liens. One way or the other these asset backed certificates became Real Estate Owned, REO properties ; and is listed so with the XXXX XXXX XXXX XXXX ; and when you contact their XXXX to verify status of your property ; the response comes back as REO property ; and to contact the master servicer which is BofA. 

Therefore, I need verification that our property ; XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX is Real Estate Owned, REO, property by the bank, and/or 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 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, XXXX failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. XXXX   failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

TransUnion On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, TransUnion failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.

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 2021-11-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved. I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a checking account with J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES , INC. d/b/a CHASE. XX/XX/2020 CHASE BANK furnished a fraudulent report. Due to this fraudulent report I have not been able to open a bank account or get a loan during these hard times. I was notified of this transgression of my rights, specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, I as a natural person possessing open end credit transaction plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATION SERVICES INC. d/b/a Chase adverse action taken against my rights, of which the civil damages pursuant to code 15 USC 1611 ( 1 ) are up to { {$5000.00} } civil damages pursuant to code 15 USC 1692 ( j ) are up to { {$100000.00} }.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 2018-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To whomever it may concern. 

I acquired the Chase  XXXX credit card about a year ago. The card comes with a {$45.00} annual fee which I figured is worth it for the free annual night that the card gives. 
The problem is that when I got the card, the free annual night eligible to be used at any XXXX property, but now the criteria was changed and it can only be used towards a hotel up to the value of XXXX points. 
This is very upsetting considering the fact that first of all, I was unable to use my free night yet, and I was really looking forward to having a nice vacation in an XXXX property of my choice. But now that my choices are more limited, its very frustrating because this is not what I signed up for. And second of all, To change any policy while having customers already enrolled I think is very bad customer service, and not fair at all. 

I am not sure now if I will continue my relationship with this card. 

I hope that my dissatisfaction will be taken to heart to have the policy changed back. 

Thank you for your time

Company response to consumer: Closed with non-monetary relief