BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I recently ran my credit report with XXXX and discovered a collection item from I.C. Systems, Inc in the amount of {$400.00} from XXXX XXXX. 

I researched my bank statements and did not see any charges in relations to I.C. Systems, Inc. I.C . Systems, Inc is causing emotional harm to my reputation and acting negligent to provide inaccurate information publicly to the credit bureaus. 

I never had a direct business relationship with this company and I would like to see the actual written contract and whatever supportive documents that obligates me to this alleged debt presented to me in a timely manner. 

If I.C. Systems, Inc has a clear copy of my driver license. They should submit that as evidence to support this alleged debt. 

I understand there is a verification process with the credit bureaus. Which is automated and not really 100 % accurate most times with the credit bureaus. 

I will follow up on my end with the credit bureaus and dispute this alleged debt and ask for the proper documentation that relates to this matter. 

Throughout the process of this investigation I would like to request an audit on the record keeping of process for I. C. Systems, Inc. I want to make sure that they are adhering to State of Texas and Federal laws. I have done my research on this particular company and noticed the past and present federal lawsuits in relation to violations of the Fair Debt Collections Practice Act.

I hope that a positive resolution will result from my direct communication in regards to this alleged debt. I.C. Systems have XXXX  days to respond to this request of verification and forward all required requested documents via US Certified Mail. 

Thank you for your time, 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 2022-12-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
I filed a dispute online with Experian on XX/XX/2022. An account for XXXX XXXX XXXX was inaccurately reported on my account as a closed collection. I contacted XXXX XXXX XXXX and was told that I dont have an account in collections and they would contact Experian to have it removed. On XX/XX/2022 Experian closed my dispute as completed in accurate. I contacted XXXX XXXX XXXX again and was told again that I did not have an account in collections or closed. Experian did not properly investigate my dispute and has caused me a great deal of stress, Im having a hard time buying a home as a first time home buyer because of this inaccurate account that was placed 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 2022-09-28
Company: HOUSTONIAN MORTGAGE GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested validation twice. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. They should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 ay validation request to prove i owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-16
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to " mr cooper '' from XXXX XXXX XXXX. I read on the internet that it was a buyout. I was notified this transfer was occurring on the very day it was scheduled to do so, not 15 days as required by law. No explanation ... Nothing. This was a shock. I have not received my mortgage statement and I am hesitant to pay my mortgage that I should have paid 16 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Continental Finance Company, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Date of incident XX/XX/XXXX COMPANY : CONTINENTAL FINANCE COMPANY ( SURGE CARD ) I made a payment on XX/XX/XXXX in the amount that was due {$35.00}, but later I was checking my acct with XXXX ( surge XXXX ) on line an saw XXXX payments were initiated. 
I didn't feel like calling and being on hold, so I just said I would let them both process. 

A week went by and the money never came out of my checking acct with XXXX which is what I used. I called the representative ( male ) told me tht the XXXX payments were being returned by my bank, I told him impossible they money is there, there are no RTItems on my account so something on there end must be wrong. 
He then said it was rejected never hit my bank, I told him all my information was correct and that the day I made my payment XX/XX/XXXX i only made one but two was initatied and that maybe that had something to do with it. 
I asked him to remove the late fee XXXX on XX/XX/XXXX and return item fee XXXX for both which would total XXXX and he said he couldn't because it was showing yet wait for my statement. 
but it did show on my end so I called back XX/XX/XXXX wanted the charges removed it was not my fault that the money was there.I told them he talked to my bank on a three way call, and they confirmed the money was in my acct and had been. 
that nothing tried or attempted to process and the bank got off the phone. 
He said he didn't have ref # for calls but that when I called back to get fees waived they could listen to the call and he would put notes. 

anyways, i asked them to listen to the call and waive all fees, clear my acct so it doesnt reflect anything negatitive as I pay always on time, and twice a month some times since i had the card. 

they refused. 
Also, i spoke to a specialist she had over three checking accts on her end but I couldnt see them on the online system were you select your acct and what she had was not anything i use. 
She deleted them all, but again the accounts i used and read the number back to her, she didnt even have. So what I did and will continue to do is caLL AND USE A DEBIT CARD. ON XX/XX/XXXX WHEN I CALLED I PAID XXXX WITH A DEBIT CARD WHCIH CLEARED INSTANTLY WITH A FEE OF COURSE. IF A CONSUMER HAS TO PAY WITH A FEE BECAUSE THERE IS A ISSUE WITH PROCESSING THROUGH CHECKING ACCT 'S IT SHOULD BE WAIVED. 

WHY ARE WE BEING CHARGED TO USE A DEBIT CARD?

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have my name that is totally wrong and a previous address that is wrong,3 unauthorized inquiries that need to be deleted one account that says charge off which is wrong and 3 accounts I don't recognize to be mine

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 2022-12-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with 15 USC 1692b ( 2 ) Fair Collections & Outsourcing has violated my rights by sending me a letter stating in the context this is an attempt to collect a debt this considered a violation. For this violation 15 USC 1692k states any actual damages sustained by the consumer. I have suffered financial and psychological damages from this company violating me.

In accordance with 15 USC 1692b ( 5 ) Fair Collections & Outsourcing has violated my rights by sending me a letter with a symbol within the context indicated there in the business of collecting a debt. This considered a violation. 15 USC 1692k States any actual damage or {$1000.00} dollars fine.

In accordance with 15 USC 1692jFair Collections & Outsourcing has violated my rights by furnishing deceptive forms attempting or collect an alleged debt. This company has not validated this debt. Fair Collections did not sent the proper documents to validate this alleged debt. I asked this company to send the method of verification also my wet ink signature.

P.S. This Collections is NOT Licensed to collect any debt in Washington XXXX DC.

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 2022-12-07
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and I noticed several inquires on my report and I tried to dispute them and the credit bureaus are refusing to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off from my personal profile. A copy of my XXXX XXXX, drivers License, and SS Number are all included in this written request. Please help me resolve this issue as soon as possible. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given t
hat term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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 2022-12-12
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. 

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Inaccurate/Fraud Account ( Not mines ) XXXX XXXX XXXX XXXX is a debt collector Account name : Paypal Account with account number XXXX : 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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:
I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

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 2022-09-28
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:
I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CCF Intermediate Holdings LLC
State: AL
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 witht the FCRA XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-09-28
Company: Mercedes Benz Financial Services
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the debt with the negotiable instrument that was sent to me in the mail from Mercedes Benz financial they refuse to except my payment, so I started a billing error and Mercedes-Benz financial did not respond to my billing error correctly they did not send any of the documents I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/2021 It was reported to XXXX  that my account with XXXX is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to XXXX from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with XXXX I have made the full payment every month.

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 2022-09-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Having been through ID theft, in which the individual opened accounts at credit reporting agencies, I was unable to get my own credit reports. This has been resolved with two of them. However, Equifax will not allow me my credit report because APPARENTLY someone opened a credit card account I am unaware of ; and questions regarding this fraudulent account are part of the ID verification process to gain entry to my report. I've written and called them, explaining the verification questions refer to accounts I have no knowledge of. However, since I can not provide info regarding the accounts they won't even discuss it with me. XXXX XXXX. Help please, how can I get around this to see my own Equifax report, AND see what fraudulent accounts have been opened, to dispute them? It's been going on for a number of years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Credit Karma, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX almost 5 years ago I applied for government housing finally after waiting that long I received my voucher when you receive your voucher you only have 60 days to find housing and if you dont theyll give you two extensions thats another 60 days well they giving me five extensions total so thats 210 days altogether and I still can not find housing and I did not understand why because Ive never been in trouble So I was a little confused till I got an email saying I got denied because my credit so I started looking into it and I saw my brothers name as far as I can look back XX/XX/2020 his name is on my credit report around eight months ago I contacted the credit bureau and told them the all them high inquiries are not me the lady basically said I had to jump through all these loops and holes come to find out it was really my brother now since I lost my housing voucher that I waited five years for me and my kids are homeless we have nowhere to go we are sleeping in my vehicle I do not know where to turn I lost everything because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
INACCURATE NAME : XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRES : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: MI
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 Section 602 States : I have the right to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 Section 604a Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation