BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Collection Bureau of America Ltd.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Collection Bureau has violated my federally protected rights under the FDCPA. I never received a dispute notice before furnishing neither alleged debt to my consumer report. You are now on Notice to cease and desist all communications from me from all mediums including my consumer report for both alleged debt your office has. XXXX is also using my consumer report with Extortionate means to coerce and swindle me into an payment which is an violation of 18 U.S.C. 892. Any damages suffered from XXXX including but not limited to denial of credit, mental anguish, and emotional distress, will be billed to XXXX in an invoice via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: OH
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: TX
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 have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-10-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I the consumer and the natural person was denied credit, by Chase Card Services when I applied for a new XXXX XXXX XXXX XXXX account. 

Adverse action against a consumer is Against the Law according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

they are subject to criminally liable for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Chase Card Services due to the response I received. 

Chase Card Services is in violation of 15 U.S Code 1642. U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( Credit Card ) was used, I received NO benefits. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Chase Card Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Federal Adjustment Bureau, Inc.
State: OH
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 have filed a complaint before concerning an account for that I requested proper validation and verification from FABCO saying that I owed a debt of {$1100.00}. I need this account to either be validated or removed since it is not accurate. FABCO is the second company trying to force a claim upon my person from this previously disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Both Experian and XXXX are IGNORING my letter for more than A YEAR! when I ask them to VERIFY and VALIDATE an OLD account with an ALLEGED LATE PAYMENT that was verified as NOT TRUE with the creditor XXXX  XXXX. the LAST VERIFIED date on the credit report still shows XX/XX/XXXX!!! or XXXX!!! 
I've attached copies of the latest letters that were IGNORED by BOTH! 
Also, I requested information from the original creditor XXXX about the charge off and never got anything from them

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 2022-08-24
Company: EQUIFAX, INC.
State: KS
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: ALLY FINANCIAL INC.
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened XXXX accounts with Ally Bank : a personal savings account and a family trust account. XXXX minor deposits and XXXX large deposits were made to each account. The XXXX large deposits were the result of property sales and closings. Thereafter, we attempted to send several wires for the purchase of other properties as well as add a " linked '' account for my brother so we could make payments to him. None of the wires were sent out and the bank account addition caused the account to be flagged for fraud. Both my wife and I then provided all of the documents that the bank required to prove we are who we say we are including our licenses, social security, pictures of us holding our IDs, and utility bills. We did that and the bank, after several lengthy phone calls, is continuing to restrict our access to our money and our account. This is our life savings and they are playing games. They initially told us it could take up to 3 days and now they are saying 30. They will not give us the almost {$1.00} XXXX back. 

We have not only complied with their requests, but have followed up multiple times and have spent hours on the phone only to have no resolutions whatsoever. Today, the customer service representative, in so many words, told us " they would decide what they would be doing with our accounts '' and they sent us to a voicemail box with no other foreseeable resolution. 

We owe money we can not pay and missed two property closings due to Ally Bank holding our money hostage. We just want our money back and to be done with this bank forever. This action on their part is irreparably harming us financially and causing extreme emotional distress.

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 2022-09-29
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Messed up my credit score due to false allegations and no knowledge of account refuse to remove reported this over 6 months ago company harassing me visa email and phone about an account that's not mine. About XXXX in debt wrong person

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I the consumer XXXX XXXX have noticed some unauthorized inquiries and accounts on my credit report which was the result of identity theft. 15 usc 1681c-2 states that consumer reporting agencies must block and remove inquiries related to identity theft. please block and remove the following accounts listed in the attachments.

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 2021-08-03
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Professional Finance Company is listed frequently in complaints. They must offer lots of bonuses to their employees. 

I had shoulder XXXX 7 years ago at XXXX XXXX XXXX XXXX of the XXXX -- XXXX XXXX. Not only was the XXXX unsuccessful, I was billed twice what the initial estimate was. Due to these factors I was not thrilled about paying, but I did attempt to, making an initial payment of {$700.00} and made some further payments. 

Well not long after I am told XXXX XXXX XXXX has the debt and they become quite aggressive in its collection, but now its even more, a {$2000.0

0} surgery is now {$4000.00}. I go to court and settle with these people and begin a fair payment plan which is automatically withdrew from my account monthly.
5 years later. I get another subpeona saying I owe the exact same amount and more for the same XXXX. 5 years of payments. Turns out they stopped with drawling 6 months ago and I didn't even know it. So court again tomorrow. They should be paying me by now and a counter-suit in the works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: TX
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:
Equifax has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax/XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from EquifaxXXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Great American Finance Co
State: IL
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:
IT HAS BEEN MONTHS OVER 5! And no on has followed up, I have sent confirmed tracked letters as seen in my.other complaints and called every company personally to always get a 'there is no way to confirm or deny ' or 'we will reach back out. ' Transunion just keeps resubmitted forms I guess to the companies but no one is keeping their word with fixing a thing, verifying or following up.

ILLEGAL ILLEGAL I was told 1. They are pre-approval soft inquires 2.they would all be " bunched '' together since I am shoping around so it would be like one inquiry 3. I had no idea they pulled anything at all, especially several times.

Every piece of proof is already on transitions hands or CFpB complaints filed before or mailed to the companies/car lots.

Please read through to find your company : Great Americ Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXXXXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: National Credit Adjusters, LLC
State: TX
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:
In XXXX I sent two letters via certified mail to National Credit Adjusters in XXXX, Kansas. There was information reporting on all three of my credit reports showing two accounts the first for {$580.00} and the 2nd for {$1100.00}. In my letters ( attached ) I requested that these debts that are reporting on my credit report be validated. I ask for very specific information all legally required. I asked for : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? 
I was sent a letter on XX/XX/12 ( attached ) stating that they received my letter and that 30 days is seldom enough time to conduct their investigation. Said they would be ceasing all collection efforts and would furnish me with results. 
I have sent additional follow up letters via certified mail and I still have no response providing the information that I have asked. I have allowed ample time for their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: SYNCHRONY FINANCIAL
State: TX
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 have requested verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But they responded XX/XX/2022 asking for more information about my dispute. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

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 2021-09-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have just received an electronic transfer of {$6000.00} in my chase checking account but my account got frozen for suspicious activity. I only used the chase checking account to make a purchase from a bitcoin company ( XXXX ). It's a fairly new account. when I called, the customer support could not provide a clear reason for holding my funds that just came in from XXXX

Company response to consumer: Closed with explanation