BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609.

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

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 2023-03-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to reach out to collectors on XX/XX/23 and gave them ample opportunity to resolve this issue the account was closed and paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX was involved in a lawsuit that I was a part of. They used misleading terms and advertising to get me to sign up for 3 credit cards. I have contacted Portfolio Recovery Associates over 20 times to explain and send a copy of the settlement. 
They have never I am disputing these collections. I was relived of my obligation to these accounts. In addition the dates on the 3 accounts are all wrong and they change form open to close all the time. I Also when I called the last time, they threated to sue me. 
There are 3 accounts {$1900.00} {$2700.00} {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have contacted trans union on multiple occasions and submitted disputes about the reporting of a car loan that was included on a XXXX XXXX bankruptcy. Yet it still shows active on my account and is now effecting my ability to purchase a house. I have sent letters and called but their only response was it wasnt included in your bankruptcy.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: TN
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX : I have absolutely no knowledge of this account. It suddenly appeared on my credit file. There isn't even an ACCOUNT NUMBER shown because I don't believe they have one. Per FCRA I have a right to a 100 % accurate credit file and this account is not mine. I need the original creditor with address and phone number. I need the account number. I need the original contract. And I need the authorization they have to collect this debt. I need all this so I can research what the heck this is. If they cant supply me with this data they must remove this account from my TRANSUNION credit file which is the ONLY bureau where it shows.

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 2023-04-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/XXXX of 2023, I mailed a letter to XXXX, Experian, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).

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 2023-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23 at XXXX ( PST ) our company, XXXX XXXX , sent a same-day domestic wire of {$26000.00} to our Business Checking account at JPMorgan Chase, these funds were from our invoice factoring company XXXX XXXX and the wire was sent from their account at XXXX XXXX XXXX . After the funds were not received by about XXXX I began making inquiries with XXXX XXXX to confirm the wire had been sent as well as Chase to make sure it was received. XXXX was able to confirm the wire details and provided written confirmation with a XXXX XXXX #, however Chase at first claimed to have not received the funds, then only after being provided with the proof from XXXX XXXX XXXX did they admit they had indeed received the funds, but the wire was being put into review while further information had been requested from the issuing bank. I asked what information was requested so we could followup and confirm with XXXX XXXX that the information was complete but we were told it was confidential bank information and couldn't be shared. I spent XXXX hours on the phone with various departments until I was told there was nobody else that could help and to call back the following day, despite the pleas from us that the delay of these funds would cause our company extreme harm as our fleet insurance payment was pending to be covered by this wire. 
Chase made no honest attempt at resolving this issue in due time and their lack of serious attention to this matter may have caused our company to be at risk of closure. As of XXXX tonight, XX/XX/23, the funds remain in review and we continue to suffer the financial consequences of Chase ' terrible customer service and questionable banking practices. I attempted to escalate this to their Executive Leadership Team and was told they only respond via a CFPB complaint, which I'm more than happy to log against them. This is bordering on theft at this point and I want a serious investigation as to what Chase is doing with customer funds while they supposedly " review '' these transactions, because if these funds are sitting in anything other than a trust or escrow account then I believe they're doing something potentially illegal or outside of regulatory rules for use of customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MI
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:
accounts listed on this FTC report are all fraud accounts that was open without my knowledge as of to date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received this email from XXXX on XX/XX/2023 to my student email saying that the payment terms for my student loan had changed and that I had a payment due on XX/XX/2023 ( 3 days from now ). These terms did match what I have read in my loan agreement. I do not graduate until XX/XX/XXXX, therefore my payments should not be starting yet. I have already reported this as a phishing scam but I wanted to check the validity of this email. I have pasted the email below : Navient Loan Services XXXX XXXX XXXX Navient Logo. 
Go directly to this document in your Navient Inbox. 

XXXX, the payment term for your loans has changed. 

Next payment amount : {$330.00} Next payment due date : XX/XX/2023 Pay Now This payment schedule replaces all previous schedules for your loans and doesn't include any past due amounts. All of the terms of your original Promissory Note ( s ) remain in effect. 

If you use a billing statement You'll soon receive an updated statement reflecting your new payment amount. 

We're here to help We're happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about this change or your account, visit us online or give us a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act Account Name : XXXX RXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have been leasing Honda automobiles continuously since XXXX. 

I leased a new Honda XXXX in XX/XX/XXXX, for a 3 year term. Toward the end of the 3 year term, I informed Honda that I would like to extend the lease for 6 months. Honda sent me a lease extension agreement by email in XX/XX/XXXX. Unfortunately, I did not return the signed lease agreement until this week. ( I was unable to download the attachment, as it appeared to the network filters as spam. ) I MADE ALL PAYMENTS ON TIME AND DID NOT MISS A SINGLE PAYMENT. 

Honda repossessed the vehicle on XX/XX/XXXX, claiming they did so because I did not return the lease extension they sent me. 

Under NY law, I believe I have the right to cure this defect by submitting the required, signed agreement. I did not willfully ignore the requirement to sign the extension. Honda will not budge, and they claim they will put the car up for auction and will not permit me to resume leasing the vehicle. I am facing potentially thousands of dollars of debt if the car sells at a low price at auction.

I believe that Honda is violating my rights by not permitting me to resume my lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: HoldCo LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2023 at XXXX, I deposited {$500.00} at a Bitcoin Depot ATM to convert to Bitcoin. The price at the time for Bitcoin was XXXX. The machine said it charges a {$3.00} service fee so the amount of Bitcoin I was to receive should have been XXXX coins. The company charged me 20 % without my knowledge and only deposited {$380.00} ( XXXX ) to my wallet. This equates to a purchase price of {$38000.00}. They did not disclose anywhere on the machine, screen, or receipt that there was a 20 % fee as I would not have used their machine. Instead, I wasn't even aware of the transaction particulars until after the transaction was complete and I received a receipt with the incorrect amounts. I would have not used their ATM and just transferred from my bank account to my Bitcoin wallet for a small fee instead using my existing exchange account if I was aware they would charge what is tantamount to a grossly negligent fee. I called the company to rectify the situation and they refused to resolve this matter. Bitcoin Depots website also does not disclose these fees under any page labeled fees or under any FAQ sections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NJ
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:
I reviewed my Consumer Reports and noticed that my date on delinquency is incorrect and it been more than 7 years on my Credit Report. Re-aging my account is illegal and this needs to be corrected as soon as possible. I tried resolving this issue with XXXX and I haven't get any response and issue was never resolved. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. : Furnisher : XXXX Account Name : XXXX XXXX Account Number Ending # : XXXX and XXXX and XXXX and XXXX Please investigate and provide Proof with statements showing the accurate date of delinquency. If proof can't be provided I demand these to be updated to the correct date as they should be. Re-aging any account is illegal against the law. causing me damages to my Credit Report. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$760.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$640.00} ; XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; MEDICAL XXXX Balance : {$80.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/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 2023-03-16
Company: Payfare International Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX I logged into my bank account and noticed I had 4 transactions on my account that I didnt do. The first transaction I noticed was at a XXXX in XXXX Florida for {$50.00} the next three that I seen were done at XXXX  there were two purchases for {$10.00} each and the fourth one was also done at XXXX  for {$50.00}. I immediately locked my card and contacted XXXX XXXX which is part of a company called Payfare that is used by XXXX to instantly get paid. I answered all the questions they asked explained to them that I looked up the XXXX and the store number And that it said it was in XXXX Florida and that I am located in XXXX Kentucky. They put me on hold for a while and when they came back asked what kind of phone I have and I told them I have an XXXX they then again put me on hold and when they came back they said that since I have an XXXX and my card had been added to XXXX XXXX  that they arent liable For the unauthorized transactions. 

It is my understanding that being a bank my money is covered by the FDIC and since they were unauthorized transactions the bank should have covered the money that had been spent without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid & I called to see if they would delete it from all credit bureaus & I was told they couldnt ; I have even tried to contact bureaus on my own & nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ENCORE CAPITAL GROUP 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTIGN ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 USC SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUTIONS.

15 USC 166B : A CREDITOT MAY NOT TREAT A PAYMENT ON A CREIT CARD ACCOUNT UNDER AN OPEN END CONSUMER PLAN AS LATE FOR PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: CA
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 want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft please remove this fraud inquiry 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 2023-03-16
Company: FORD MOTOR CREDIT CO.
State: NC
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:
15 USC 1681 Sectiin 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 it also statr thatconsumet report agencies can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit account XXXX open end consumer credit plans late for any purpose. 

XXXX Account Ford

Company response to consumer: Closed with explanation