BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Public Record : XXXX XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Public Record XXXX XXXX XXXXXXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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 SUBMITTED MY DISPUTE TO ALL THREE CREDIT BUREAUS BY MAIL LAST MONTH AND I STILL HAVE NOT RECIEVED AN RESPONSE REGARDING MY ISSUES WITH TWO ACCOUNTS. I WOULD LIKE TO SEE IF THE CFPB CAN SEE WHAT THE PROBLEM IS AND MAKE THEM PROCESS MY PAPERWORK BECAUSE I'M TRYING TO BUY A NEW HOUSE. ATTACHED IS A COPY OF EVERYTHING I SENT.

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 2022-12-11
Company: Global Lending Services LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act 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 a Account without 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: IN
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:
Credit card through XXXXXXXX XXXX XXXX reporting a {$39.00} balance to credit reporting agencies. There is NO BALANCE on this car. This is my wifes credit card and she added me as a user on the card ( to build my credit rating ). The {$39.00} is the annual credit card user fee. The fee has been paid in full. 
This needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the 2nd time I have tried to dispute something through Chase and they have decided to make it difficult. 
1st depute was since they would not honor their travel insurance This time they sent the dispute to the merchant without allowing me any chance to provide documentation. The product that the merchant is charging me for a time sensitive rental. By the time the dispute goes through, the it will be the end of my rental and then most likely new issues.

The representative said ( should be recorded ) that if I was not willing to mail the complaint in that the XXXX  would be the best route ( I had not mentioned/thought of consumer finance complaint ) ****Key item : I asked to file a complaint about their process versus the industry standard process and they said my only option was to mail it in********** Chase has not only decided to make this dispute extra work, but also has zero concern for customer service or maintaining a standard that is used by any other card that I am aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Receivables Performance Management, LLC
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: Information belongs to someone else

Complaint:
Receivable Performance is reporting a fraudulent account on my credit. Upon contacting the company, I was informed that this account is linked to a different address. Please see the attached FTC report and my Driver License and remove this account from my credit. 
I decided to pay this account thinking that it will be removed from my credit but it is still continuing to report. Please eliminate this info from my credit.

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 2022-09-24
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Recovery solutions company try to collect a debt from I sent them a certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX XXXX XXXX XXXX.Debt Recovery Solutions Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I no account with Debt Recovery Solutions and if I have a account with XXXX XXXX XXXX XXXX XXXX not saying I do I never gave them permission to sell the Debt to Debt Recovery Solutions. Debt Recovery Solutions have 15 day to provide me with documentation I ask for if not I will file a lawsuit against them for damages and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: VT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in a COVID forbearance plan with my lender, Penny Mac. In XXXX I requested to exit the plan and start the VA Partial Claim Program process which goes until XX/XX/2022. I had previously been told that I was eligible and that would be an option. During every monthly check in, I stated that I would be doing the VAPCP. The customer service rep told me that Penny Mac was no longer doing the VAPCP as an option and that I would have to conduct a modification of my mortgage. Three different reps told me different cut off dates. I called the VA help center and was told this issue was common. Penny Mac now has said I must modify my mortgage to a higher interest rate, which is why I believe they will not allow me to do the VAPCP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In Accordance with Fair Credit Reporting act XXXX, 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 15 U.S.C 1666B : A Creditor my 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 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 2022-12-11
Company: Premium Credit Bureau
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act 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 a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOURCE RECEIVABLES MNGMN I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: NM
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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$390.00} Highest Balance {$390.00} Opened XXXX. XXXX, XXXX ( 3 yrs, 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX BANK XXXX XXXX A Opened XXXX. XXXX, XXXX ( 6 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX IN CO Opened XXXX. XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX BANK Opened XXXX. XXXX, XXXX ( 3 yrs, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX Monthly payment {$30.00} Opened XXXX XXXX, XXXX ( 10 mos ) Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Account closed by credit grantor Times 30/60/90 days late 2/1/0 Closed XXXX XXXX, 2022 Monthly payment {$220.00} Opened XXXX. XXXX, XXXX ( 6 mos ) Term No Info Account status Open Type Line of Credit Responsibility Individual Account. 
Remarks No Info Times 30/60/90 days late 1/1/0

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: MN
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 checked my credit report and noticed there was an inquiry that wasn't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020, I registered for an account with TransUnion to check my credit report. They prompted me to enter my credit card information without any indication that it was a paid subscription, and I was subsequently charged {$24.00} for signing up. 

I tried calling them on the afternoon of XX/XX/2020, regarding it, and the customer service representative did not honor my request to give a full refund for the service. He claimed that the {$24.00} charge was listed on the site when I was not aware of this service. I have already since canceled my membership but am still not able to get the refund.

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 2022-12-05
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got Target credit card balance in the mail which I didn't apply for. 

I called Target this is a fraud. 

XX/XX/, the balance is {$950.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account Account : XXXX # XXXX, Account : XXXXXXXX XXXX # XXXX, Account : XXXXXXXX XXXX # XXXX, Account : XXXX XXXX service # XXXX, Account : XXXX XXXX Bank # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX XXXX # XXXX, Account : XXXX XXXX XXXX  XXXX # XXXX Account : XXXX XXXXXXXX XXXX  XXXX # XXXX, Account : XXXX # 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 2022-12-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking account at Wells Fargo. Using the bill pay portal I accidentally made a large payment to an old, previously closed, XXXX  XXXX XXXX credit card. This credit card was closed years before this payment. The payment was for {$3400.00}. The funds were never returned to my account. Several subsequent investigations by Wells Fargo have not resolved this issue. A conference call with WF and XXXX  XXXX XXXX failed to resolve the issue. XXXX  XXXX XXXX states they do not have the funds. WF has refused to investigate their third party bill pay portal. 
Please help.

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: Mountain Run Solutions, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i WAS VERYFYING MY CREDIT REPORTS AND NOTICED THAT THE COMPANY NAMED MOUNTAIN RUN SOLUTIONS XXXX XXXX XXXX ARE TRYINGTO COLLECT A DEBT OF 1 MONTH FOR A INACURATE AMOUNT OF {$2700.00} AND REPORTED THAT I AM DEINQUENT FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TO MY CREDIT REPORTS WHERE I AM SURVIVOROF DECLARED DISASTERS DR4493-COVI19 PANDEMIC, DR-4473- EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED I HAVE A CAR ACCIDENTWITH PROPERTY LOSS ON XX/XX/XXXX, AND DR-4336. FOR THOSE TERMS THE DEBT SHOULD NOT BE REPROTED IT IS AGAINST MY RIGHTS AND AGAINST CARES ACT, AND FOLLOWING BILLS. THEY ARE FALSE STATEMENT AN AMOUNT THAT I DID NOT OWED, THEY DID NOT PROVIDED ME THE SAFETY THAT THEY PROMISEDWHEN THEY OFFERED ME AN SECURITY ALARM SERVICES AND THEY ALLOWED TO PERSONS EXTERNALTOMY FAMILY AND COMPLETED STRANGERS TO ME AND NOT RELATED TO ME ENTERED TO THE HOUSE AND CAUSED ME AN AGRESIONS AND ROBBERIES AND STEAL MY BELONGINGS IN XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, PR XXXX, WERE THOSE PERSONS ARE RELATED TO OTHER PERSONS THAT STALKED ME AND CAUSED ME DAMAGES AND LOSSES, AND XXXX XXXX  ME ON XX/XX/XXXX. THEY BROUGHT THIS PERSON TO THE NEXT HOUSE TO MY HOME TO XXXX XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX PR XXXX WITH THE PURPOSE TO INTIMIDATED ME TO LEAVE THE HOUSE AND THEY COULD STEAL THE HOUSE AND THE MONEY THAT I PAID THAT WAS IN MONTLHY PAYMENTS {$150000.00} AND OVER {$250000.00} IN REPAIRS AND REPLACEMENT OF STEALED AND DAMAGE PROPERTY. THEY STEALED MY RECEIPT AND FOUND THIS AND REPORTED IT, A ND CLEARLY WANT TO HARM MY CREDIT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NV
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:
Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$1200.00}

Company response to consumer: Closed with explanation