BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter which was received by the company on XX/XX/2022. 
this company has failed to validate the debt in the amount of {$300.00}. Instead they sent me a bill and placed the account on my credit as of XX/XX/2022 before allowing me time to respond. I never signed a HIPPA form authorizing them to have access to any of my information. Which is a direct violation HIPPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Report Act.

The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated by rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX 15 USC 1681 Section 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 It also state that a consumer reporting agency can not finished a account without a written statement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.SC 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 2016-01-21
Company: LoanCare, LLC
State: VI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Experience is Knowledge, and Knowledge is power. 
XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX Thursday, XXXX XXXX, XXXX XXXX. 
XXXX XXXX, VA XXXX Attention : Consumer Solution Department As of XXXX XXXX, 2016 the named company received my mortgage as the Server. To date, I have received no correspondence from Loan Care. I contacted my old Mortgager and was informed to wait for a new loan number from the New Server, Loan Care. 

My transfer letter states that during the next sixty days, no late fees may be charged to me, until the Loan is properly transferred. 
I am presently receiving harassing automated calls from Loan Care. A follow up call says that this is a courtesy call reminding me that my loan is due on XXXX XXXX, 2016. I contacted Loan Care via phone and was told that the Harrassment Calls could not be halted unless I write a request. 

Please consider this my request, that automated Harassment ( courtesy calls ) must not be made to my phone. I pay for this phone service for my business use. Your continued harassment will be reported for what it is : an interruption of my peace, disturbance of my livelihood, an intimidation. 

Please immediately stop future calls to my number, ( XXXX ) XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no affiliations with XXXX  ; nor have I In the past.

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 2016-09-02
Company: TMX Finance LLC
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 A 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 written consent.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 604 A 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 written consent.

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 2015-10-20
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXXDelete all the XXXX trade line for all XXXX credit bureaus and not report the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$250.00}

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 2020-06-16
Company: OneMain Finance Corporation
State: NC
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:
2 XXXX XXXX XXXX Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

One Main Financial debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-12
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My bank, BBVA Compass, does not have fees associated with ATM usage. However, I was charged fees from BBVA in addition to the fees applied to the amount I withdrew from non-BBVA ATM 's. XXXX fee reads " USAGE ATM FEE '' and the other reads " SURCHARGE FEE ''. The dates and amounts are : XXXX - Surcharge {$3.00}, Usage {$2.00} XXXX - Surcharge {$6.00}, Usage {$2.00} XXXX - Surcharge {$2.00}, Usage {$2.00} ATM withdraws with my other bank, XXXX XXXX, does not have fees applied on the same ATM 's. I called BBVA Compass to request a reversal and a stop to these charges, but I was told to call back. 

The BBVA Compass website reads the following in regards to ATM fees : " BBVA Compass customers can withdraw cash with their BBVA Compass Debit Card or ATM Card without a fee at nearly XXXX BBVA Compass XXXX in the United States. Withdrawals, deposits, transfers, and balance inquiries from ATMs at other financial institutions in the United States may be assessed a fee. You may also be charged a fee by the ATM operator or any network used. You may be charged a fee for a balance inquiry even if you do not complete a funds transfer. Please see your applicable account disclosure for additional information. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
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:
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. 
XXXX XXXX XXXX XXXX, 15 U.S.SC 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 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 2022-04-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive sent a letter to the the Three major credit bureaus ( XXXX, Equifax and XXXX ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an violent assault resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. XXXXXXXX, XXXX and 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
There is no way to communicate with them. I ca n't email them. My online account is alwa ys disabled. And the ir automated response phone system does not work, so calling is hard too. It 's impossible to communicate! Please help! I 've already complained to them about their phone system. No change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Chase bank closed my savings account,and sent my money to the state of Texas,without my authorization,or even telling me. When I got my monthly statement it was just gone. This is my life savings.They are telling me I have to file a claim with Texas and it may take 3 To 4 months and cost over 500.00 dollars in processing fee. I feel like I am being scammed. Chase has made a huge error and expects me to correct. very unfair and I will never trust them with my money ever again. Big banks don't care who they hurt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, 15 U.S.SC 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account for a long time already but despite all my efforts to correct my Credit File, the Credit Reporting Agencies never took action to verify the authenticity of the information this account reports. I have a loan with XXXX XXXX XXXX with Balance Owed : {$72.00}. I have been a good payer with this company and I never missed a payment, but upon reviewing my Credit Report, the Credit Bureaus have been reporting this account as late. There is probably an error with the Credit Bureaus ' part. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2015-11-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX XXXX, Citibank contacted me about a decrease in my credit limit ( a decrease of {$2500.00} ), due to items that had appeared on my XXXX credit report, which stated that if the credit report changed, I could have them reevaluate the decision within 60 days. On XXXX XXXX, I contacted them and they stated that they only could request a credit limit increase, there was no process for disputing their previous decision. They requested a credit limit increase and the increase was denied, and were not able to provide me with a reason. Their decision was triggered incorrectly and they have unfairly prevented me from reinstating my prior status with them even though the factors that prompted their decision have been proven to be in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank will not let me close my XXXX account. My XXXX has been closed over 3 years ago. I have no active XXXX. It was an XXXX registered XXXX. I added my brother to the account when I opened the Chase XXXX account. When I tried to close the account, they said my brother was on it and they could not close it. I had my brother go to a Chase Bank XXXX where he lives and show identification while at the same time I was at a Chase Bank here XXXX, where I showed proper identification. We had a conference call with XXXX parties on the line and Chase Bank still refused to close my account. There has been no activity on my account. They keep deducting {$12.00} monthly from the funds I have left in the account. I want to close my account. Please help. I do not know what to do next.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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 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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 Section 2. It also states a consumer reporting agency can not furnish a account without written consent

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 2021-04-21
Company: STERLING JEWELERS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently filed a complaint against Jared the Galleria Of Jewelry for still reporting an account to the credit bureaus as Jared themselves when it was charged off in 2019. You responded to my complaint that My Jared account became XXXX XXXX XXXX XXXX and that XXXX sold the debt to the XXXX XXXX XXXX XXXX XXXX. I am now filing a complaint with the XXXX because this company is IMPOSSIBLE to get in touch with. I have been scouring the internet to find out how to get in touch with these people and then I find out this company is not even accredited by the XXXX. I have called twice over the last month and left an EXTREMELY DETAILED message, I have sent an extremely detailed and frustrated email, responded on their home page to the contact us form. Nothing. Not a word. These people have a debt that I am busting my XXXX to pay off thats keeping me from purchasing a home for my family and I cant pay it because its impossible to get in touch with this company. I am enclosing photos of the whopping 2 reviews that I was even able to find on this company because they arent XXXX accredited, and they do not have reviews on their web page. Probably because they dont take phone calls and dont call people back or email them back. This company needs to be SHUT DOWN. The debt was originally Jared the Galleria of Jewelry, then XXXX XXXX XXXX XXXX, now XXXX. Amount was {$6700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
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:
In accordance with the fair Credit Reporting act XXXX  XXXX  XXXX ( FINANCE ) XXXX XXXX, XXXX XXXX  XXXX XXXX ( AUTO ) XX/XX/XXXX, XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX  XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX {$1500.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

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