BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX account XXXX XXXX ), which has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act. which has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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. 

Please remove this late payment and update this account immediately as you directly violate service laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These accounts are not mine Ive been XXXX since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : LVNV Funding acct XXXX, XXXX acctXXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts are violating my rights and must be removed immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX 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 XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 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 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 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for PSLF during the first round of forgiveness and was denied. I re-applied at the beginning of the eligibility period in XXXX 2022 and mailed my application in. I checked on the status of my loan several times, but was told it was in-process. At some point in the summer of 2022 ( XXXX maybe ) I received notification that MOHELA was taking over the PSLF process and to contact them. I contacted MOHELA by phone in XXXX 2022 and was told MOHELA was waiting on Department of Ed to transfer my information to them, but was assured that the process would be completed by the end of XX/XX/2022. On XXXX XXXX, 2022, I emailed MOHELA to ask about the status of my application, but did not receive a reply. I called them at some point in XXXX 2022 and was told MOHELA does not have payment counts on file for me and my current loans to not qualify. I explained several times over successive phone calls that I have XXXX  sets of loans, an XXXX set from XXXX years ago and my current XXXX school loans, but each time I called, they told me I was ineligible. I gathered my payment counts as best as I could, made formal requests from old servicers, and uploaded my screenshots of payment counts on XX/XX/ 2022. I wrote a formal complaint letter to MOHELA and uploaded it on XXXX XXXX, 2022 as a complaint in MOHELA 's system. I made the same complaint to the Department of Education. During subsequent phone call with MOHELA, they told me I need to consolidate all of my loans before XX/XX/ 2022, and that my XXXX and XXXX school loans could be rolled into one consolidation loan. I was assured that this would smooth the process and make it faster, but that I also needed to re-submit a PSLF application for some reason. I applied for a XXXX time and submitted my documentation on XX/XX/ 2022. I also applied for consolidation at the same time. After I applied and was approved for consolidation, I found out from XXXXXXXX that the consolidation loan only covers the remaining {$3000.00} balance on my XXXX loans. It did not include the XXXX  school loans. This was the most recent of many misrepresentations made by MOHELA customer service agents. This entire process has been XXXX unconscionable, and insane and I have been dealing with it for nearly a year. I attached a copy of the letter I sent to MOHELA with official payment counts from my old XXXX loan servicers. The remaining {$3000.00} balance was just paid to XXXX a few days ago via the consolidation loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
My Penfed credit card information had been stolen and the suspect had used it to commit a number of fraudulent transaction on XX/XX/XXXX. Five of the transactions had been denied, but two of them had gone through. All of the transactions had occurred in the same area in XXXX, CA and at around the same time. I then received a call from Penfed that morning notifying me that there were some fraudulent charges on my credit card account, so I called backed to let them know that I had not initiated those transactions. They then issued me a new card and started a fraud case. 

However, a few days later Penfed notified me that the fraud claim had been denied on the basis that the card was present at the time. I do not see how this could be possible because I know for a matter of fact that I was in my apartment in XXXX, CA at the time the fraudulent transactions in question took place ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$40.00} and XXXXXXXX XXXX {$300.00} on XX/XX/XXXX ) and my credit card was with me at that time. Penfed also believed that my friends or family could have used my card, but none of my friends or family live with me nor have access to my apartment. I was the only one inside at the time. When I checked that morning on XX/XX/XXXX, the card was where I had always kept it. They also claimed that I had set up a cash advance PIN, which I did not do. Furthermore there was another transaction at the same location at XXXX XXXX for {$40.00} that had been denied due to suspected fraud. 

The suspect had initiated all of the fraudulent transactions at around the same location and at around the same time so I'm not sure how any of those transactions could possibly not be fraudulent.

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 2023-05-23
Company: Landmark Strategy Group, LLC
State: FL
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:
Im following up on a complaint against XXXX XXXX and Landmark Strategy Group for practices that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to my agreement with XXXX XXXX, all disputes related to my account were to be resolved through arbitration. However, without my consent or any arbitration proceedings, XXXX XXXX sold my loan to a collection agency, Landmark Strategy Group. In their response they admitted they don't own the debt that it was owned by a collection agency. I believe this act constitutes a breach of contract and violates my rights as a consumer. 

When I became aware of this issue, I contacted XXXX XXXX and expressed my willingness to repay the debt directly to them. Despite my willingness to settle the debt, XXXX XXXX refused to recall the debt that I believe was sold illegally. 

Furthermore, in the course of this transaction, XXXX XXXX disclosed my personal information to Landmark Strategy Group without my consent. I believe this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which restricts the dissemination of consumer information without a legitimate business need.

Following the acquisition of my loan, Landmark Strategy Group has engaged in harassment in an attempt to collect the alleged debt. They have called me multiple times during work hours and even contacted my workplace directly. They have also threatened to report the debt to credit reporting agencies if I didn't pay them. In order to avoid further harassment and potential harm to my credit report, I felt forced to pay Landmark Strategy Group.

I believe these actions constitute violations of FDCPA Section 806 ( 5 ), which prohibits 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 ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer in connection with the collection of any debt at the consumer 's place of employment ; and FDCPA Section 807 ( 5 ), which prohibits the threat to take any action that can not legally be taken or that is not intended to be taken. 

In light of these concerns, I request that the CFPB investigate these issues and take appropriate action to protect my rights as a consumer. I also ask that XXXX XXXX remove this account from my credit report immediately, as I believe it was wrongly sold and reported to the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit 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:
I've submitted documents that show package never recieved dispute is from XXXX and now Chase is telling me its too old. I've been providing documents this whole time trying to get issue resolved. I'm owed {$200.00} and Chase has charged me back for more than my order was even for. They didn't process or take time to work this charge back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

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 2023-06-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}

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 2022-12-17
Company: EQUIFAX, INC.
State: TN
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 provided an opt out notice to all three credit reporting agencies Equifax, XXXX, and XXXX and the information is still being reported. per 15 USC 6802 I have the right to opt out of anything being reported. This is also a violation of my privacy per the privacy act of 1974. These companies stated they would not share my information with any third-party affiliates, and they have. which in itself is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
About 30 years ago I opened a " no fees for life '' checking account with XXXX XXXX XXXX XXXX XXXX. Several years after that, Chase Bank ( now Morgan Chase ) bought checking accounts from XXXX XXXX XXXX XXXX XXXX. Although Chase attempted to institute fees, they reversed their position after learning that they bought the accounts with the conditions attached. Now, they not only notified me that they were changing my account so that they can institute fees, but would not address my complaint. I am now XXXX years old, my balances are less than they had been, and regardless of my complaints, Chase is now charging me XXXX XXXX month. They have told me that unless I meet certain conditions, they will keep on charging me. After several attempts they refuse to address my contention that my " no fees for life '' account means " no fees for life ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is reporting inquiries on my consumer report illegally. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022XXXX is reporting inquiries on my consumer report illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Ive sent numerous letters and filed a previous cfbp compliant regarding XXXX XXXX : Account number : XXXX and this account is still riddled with inconsistencies that are conflicting and can not be true. All 3 credit reporting agencies are reporting different dates of the last activity, a different open date, different dispute statuses, and different dates of last payment. Ive added a screenshot to bring it to your attention. Continuing to report this inaccurate, inconsistent information is a violation of 15 U.S. Code 1681e ( b ) in which you failed to ensure the maximum possible accuracy of my credit report. 
I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/2016, XX/XX/2016, or XX/XX/2016. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. They did not respond with proof of me ever being late. TransUnion has not responded. Clearly, this information doesn't make sense and a proper investigation was not performed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter in mail about this debt. Never knew of it never signed up for it. Never received any calls, emails or mail about it until a collection letter. I have never visited this state of lived in this state to have this membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 tried in many occasions and in different forms to contact the credit bureaus Transunion, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. 
Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. 
the accounts in question are as follow : XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX XXXX Account XXXX XXXX Account 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 2023-06-17
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry 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