BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) original creditor XXXX XXXX XXXX  ( XXXX XXXX XXXX ) original creditorXXXX XXXX XXXX ) are all violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know 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 non-monetary relief
Consumer complaint received 2022-07-01
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't 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 XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Affirm Holdings, Inc
State: PA
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:
Dear, Affirm I am writing to you, your company, its partners, and affiliates that I am rescinding and opting out of your company sharing my personal and private information. As of today XX/XX/2022 I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private information. Also, I do not have a contractual obligation to your company as I have never signed a contract with you nor gave you consent to have any of my private information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes for the purpose of collection only. Which is what your company is doing, Therefore I demand your company, its partners, and affiliates to delete the items you are reporting on my credit report because you are infringing on my right of privacy. Please do so within 10 business days and I prohibit your company from transferring this account to another debt collector. 
I am giving your company 30 days to update my request, cease furnishing my private information & cease & desist all communication unless it pertains to resolving this matter, updating my request, or sending check to my above address. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C 1692e ( 3 ) which states The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CrossCountry Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I received two ( 2 ) identical letters from CrossCountry Mortgage stating as a subject line : Second and final notice- please provide insurance information. I never received a first notice and I have informed delivery through USPS that confirms when letters are being delivered. I paid and subsequently submitted this information to CrossCountry when my hazard insurance renewed several months ago. Now I receive a letter/notice that they are going to force place insurance on my loan. I have resubmitted this information as of XX/XX/22 ( same date I received their letter/notice ). I am not sure why I have to continue to their job and receive threats from CrossCountry for their failure to perform their obligations under the loan agreement. This will be the fourth complaint I have filed with this mortgage company since the inception of my loan. CrossCounty is threatening me with {$4000.00} of force placed insurance when they have already been provided my XXXX  insurance XXXX page for {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Louisiana Recovery Services Inc.
State: LA
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:
This collection agency is violating my rights under the No Surprise Act of XXXX. I have three medical bills that an out of network provider is charging without my prior authorization. Please see below Date and Amounts {$690.00} on XX/XX/XXXX of XXXX {$200.00} on XX/XX/XXXX of XXXX {$320.00} on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: BARCLAYS BANK DELAWARE
State: NY
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 never applied for a credit card with Barclays Bank This report on my credit file is incorrect

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 2022-12-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 my JPMorgan Chase account was scammed and the bank refuses to refund the money. Chase imposters scammed me via my online account for {$3300.00} via a wire transfer. I realized it was a scam, I immediately contacted the bank and advised. No action was taken to stop the wire transfer. I went into the bank and they froze my account and I filed a police report. 

After the claim was denied by JPMorgan Chase on XX/XX/22 I was advised to reach out to the wire transfer department to recall the funds. They made several attempts by sending an electronic request to the other bank, which we have the name and the account holder 's name. Chase bank advised that the other institution, XXXX XXXX did not respond to their request to return stolen money, and both institutions do not appear concerned about the theft. Chase bank 's response was for me to contact the other bank, knowing they will not service me since I am not an account holder. Upon calling, that is exactly what I was told by XXXX XXXX, they can not not assist me. 

Here we have XXXX institutions with fraudulent money being transferred between them and there is no recourse for the consumer. This is unlawful and they are getting away with it, the institutions take no responsibility. Appears to be something for law enforcement to look into more. I attempted to find out what law enforcement does, and it appears they don't get involved with the bank, I just need to file a complaint with them so it's on file, but nobody wants the police report now that I have it. 
I'm not the only person that has been a victim of scammers, so there is a lot of money being filtered through a lot of banks and no one is doing anything to stop it. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank is the company that acquired my mortgage. My home insurance was due. They did not pay it, so it lapsed. They did not make the payment for several days, even after I spoke with them. I was told by two separate people one being a manager, that I was current on my payment, which i was not. I requested from the supervisor. I wanted a refund for the days that the insurance had lapsed. I wanted to speak with someone over the supervisor that I was speaking with, I wanted the transaction information for the paid insurance bill. I wanted the information to your company or the other company that handles bank issues. I received nothing of that. I got a call saying I am current on my insurance payment and everything was handled. This is such gross incompetency on this companies part. The sad part is that I just refinanced for for a low rate. The rates have went up and it makes no sense for me to refinance again. I have excellent credit. if I knew this was going to happen, I could have paid myself. I want a refund. I want to know how this type of situation is usually handled. I also want to know if I have to do business with these people what are they going to do to prevent any further problems. I women initially called about the reference number that I requested. I had to call her back and let her know all of my concerns. She called back saying she heard one recording of what I was told. She also said they are in the wrong. However, she did not do anything about it.

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 2022-07-28
Company: World Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : WFC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I did make a phone call to Lexus financial to check the detail of my payoff amount. Their representative can't answer me clearly and also say something else to blur the detail. Once he transferred me to the resolution team, they are not able to explain the detail either but will email me the detail. 
Later, I received the explanation email that still doesn't come with detail or the equation on how the final number comes out. The explanation letter just told me the principle of how the number they calculated. 
In total my payment together, I have paid more than XXXX than the XXXX OTD number. 
And under the current lease term, I have been charged the full amount of XXXX term 's lease tax, and I have only fulfilled XXXX months, I am also looking for these tax refunded back to us too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XXXX of XXXX I made a {$77.00} payment to synchrony bank from my wifes back account before the due date of XX/XX/XXXX which was accepted, however my wifes bank account was overdrawn and denied the payment, so I was immediately charged a late fee of {$44.00} as well as a {$56.00} interest charge which then immediately put me {$45.00} into minus credit, and my next minimum payment is now {$190.00}. My account basically set me up to fail, I wasnt contacted that my payment had been denied and paid it in good faith. Whats worse is they started calling and emailing me constantly about it within a couple of days. 

Ive been struggling with making payments with this account for a while and on my account page is a questionnaire about closing the account and making payments. I filled out the questionnaire and got denied, instead referred me to the XXXX XXXX XXXX XXXXXXXX XXXX? 
I filled it in using different options but its always denied. They trick you into thinking theres assistance but in reality they dont want to close your account. 
They basically want me to be in debt.

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 monetary relief
Consumer complaint received 2022-09-21
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
First of all, this happen in 2015, and the attorney is uncredited. Secondly he is trying garnishing my only income that I work for my son as a XXXX XXXX XXXX. Thirdly I went to court on it and was unable to contact them by XXXX, so the court granted him whatever he asking for the complex that he is claiming more money than was ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
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: Account status incorrect

Complaint:
On XXXX, XXXX 2022, I woke up to a credit alert that my personal loan with XXXX was 30 days past due. My loan payment is {$1000.00}, due every month on the XXXX of the month. I called the customer service line and was advised that there was still a unpaid partial balance from the XX/XX/XXXX date. However, I paid the amounts listed on the statement. The statement generated on XX/XX/2022 indicated that XXXX was due on XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX, and on XX/XX/XXXX, I paid {$1000.00}. On XX/XX/XXXX, I paid XXXX. XX/XX/XXXX 's balance was satisfied by XX/XX/XXXX. And XX/XX/XXXX 's balance was satisfied on XX/XX/XXXX. I was late, but at no point have I been 30 days late according to the statement.

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 2022-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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 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 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 2022-07-28
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AARGON AGNCY (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 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
As appears in XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX This people are requesting my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. In XX/XX/XXXX I lost $ XXXX untraceable money from XXXXXXXX XXXX Coincidence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report without my consent on XX/XX/XXXX When I called them to complain about it, they immediately asked for my social security number. Imposible! I didn't provide the number, so they continue asking for more personal information, I just disconnected the call. I noticed they were clearly spam numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: HYUNDAI CAPITAL AMERICA
State: MA
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:
Hyundai XXXX XXXX Credit Reporting Failures Company Furnished Inaccurate Account Information to Credit Reporting Companies, Including Wrongly Reporting that Consumers were Delinquent on Loans or Leases. 

I had an issue with XXXX where i updated my address with them twice over the phone and also updated online. Then i was told that i had an excise tax ma sent to me that i never received. Comes to find out they sent to my old address, that was updated months ago by phone and online. So they decided to throw the excise tax into my month car payment claiming that i missed my leased payment. Wrongly XXXX me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX to the credit bureau as we been making late payments.

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 2021-10-30
Company: MoneyLion Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to file a new complaint because I didn't notice they were doing this but from XX/XX/XXXX to Friday XX/XX/XXXX the site moneylion has been taking money out of my account and saying its debt when I don't own any debt. This site has been taking hundreds of dollars from me for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Here are the follwing Accounts : XXXX  XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXXXXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXXcct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX  Acct : 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