BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Ability Recovery Services, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against Ability Recovery Services LLC regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to Ability Recovery Services LLC. I included my identification, credit report, and supporting documents with the letter. 

Although it has been nearly 30 days since I mailed the validation letter, Ability Recovery Services LLC has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt.

I firmly believe that Ability Recovery Services LLC has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations. 

Thank you for your attention to this complaint and for your efforts in protecting consumer rights.

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 2023-06-02
Company: CashMax LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX I started receiving a ton of emails and calls about loans I applied for. I did not apply for any loans. XXXX informed me my info was shared on the dark web. XXXX XXXX came to my account and I return it from another company. Boost Finance claims a loan was sent to a prepaid card. I have spoken to them several times and they will not investigate their own issue of allowing scammers to apply for and receive loans on prepaid cards. I have not received any money from this company.

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: AZ
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:
It's a bit of story, but back in XXXX I disputed a charge with Chase Bank on my Freedom Flex Card. They lodged it as a fraud rather than a dispute. Then they decided the fraud wasn't valid so they've now decided to reverse the temporary credit they gave me. They appear to have no way lodge a dispute. I tried through the mobile app, the website, and calling them. When I called them they said I needed to upload a letter ( can't upload a letter without a claim number ), called them back they said to do it as a secure message ( can't lodge dispute as a secure message according to their website ), website says it should be under the credit card itself on the website ( it isn't their is only a place to track disputes, not lodge them ). So, anyway I'm turning to you in the hopes to resolve this issue. All of this is regarding the following charge : XXXX XX/XX/2023 for {$400.00} Posted on the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dear CFPB Staff I have an account with Experian credit reporting company that updates me on my credit score monthly. Experian also shows the XXXX XXXX of the other XXXX credit reporting companies such as XXXX and XXXX, but the information appearing on the Experian website about my credit debt with XXXX and XXXX is incorrect. My total debt is {$8400.00} and NOT {$11000.00} which is old information shown on the Experian website. I have tried to address this issue with Experian before and nothing has changed. Experian needs to update its website and communicate with both XXXX and XXXX to correct this error on its website. ( please see picture attached ) I have also filed a complaint with CFPB to XXXX Complaint # XXXX and again XXXX did not fix the issue with Experian.

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 2023-06-02
Company: Diversified Adjustment Service, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After the XXXX and XXXX merge XXXX I was sent to collections for an outstanding debt of {$300.00} for phones I had already paid for and switched to another carrier. I called XXXX XXXX XXXX XX/XX/2023, and they confirmed that I had paid the XXXX  months of fees on the phones before I switched services. When I contacted XXXX customer support they forwarded me to the debt collections agency. It seems that because of this merge they changed the rules about how phones are paid off. I can no longer get access to my XXXX account to document that the phones were paid off or get a copy of my contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, a fraudulent inquiry was made for a credit account at Chase Bank. I have called Chase repeatedly to let them know this application was fraudulent and asked for the inquiry to be removed from my credit reports. Each time I have called I have been told it will take up to 90 days for the inquiry to be removed. My first call was on XX/XX/XXXX. That is almost 5 months ago. The inquiry is still on my credit reports. 

Please contact Chase Bank and ask them to remove this inquiry from my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I have a case. At any point in time, I can file a class action lawsuit against XXXX XXXX. The representative misled the consumer ( which is me ) into ordering XXXX phone thinking the XXXX affordable connectivity program would cover {$20.00} discount on the phone plan service for $ 30 monthly. I was repeatedly overcharged for a phone and service that did not work out. I paid {$1100.00} in overage charges. I would like that money credited back onto my credit cards. Amounts {$390.00} for billing cycle XXXX, XXXX, XXXX {$340.00} for device payment Of, which I already paid via XXXX XXXX {$370.00} for the device My XXXX XXXX credit card on XXXX and XXXX XXXX credit card to pay for the device in full expectedly monthly plan payment that did not happen. There is already case open with Consumer Protection Bureau. I have no escalated it to the Federal Trade Commission or the XXXX of XXXX mayors office. I want my money credit back on to my account now. Submitted Evidence : Proof of requested cancellation of service XX/XX/XXXX via email and response from XXXX XXXX you will hear from us soon. I have not heard back, but given their response to XXXX XXXX, I heard loudly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX. I have been a victim of an XXXX data breach. I was unable to successfully open up any banking accounts since XXXX fingerprint was hacked from a previous job

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 2023-06-02
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed this account Total Visa paid it off in full, then they added extra card charges never received or asked for any, anual fee, and late charges because of these fradulant charges. The account was closed and paid off im not responsible for these fraudulant fees charges they continue to damage my credit profile I will sue them for all of these damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and realized that my identity has been stolen. This unpleasant incident has had negative effect on me because I'm currently in the process of buying a new home for my family. I am very upset that this has happened to me and I am urgently asking for your assistance in removing these fraudulent accounts from my credit report. I have included all the required documents for your review. Thank you. Please see attached along with certified letters send to each credit bureau

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 2023-06-02
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently filed a XXXX, in regards to collection company, NCB XXXX XXXX I reported that I had not received paperwork from this company, in regards to an account. Which I had not. I checked my XXXX XXXX XXXX emails and saw no mail images, from XXXX  XXXX or XXXX XXXX delivered to my home. 
However, after receiving the first piece of mail, from XXXX  XXXX, on XX/XX/XXXX ; it is stated that they are trying to collect on an account for an online loan company, that I know as, XXXX. I was not aware that this company does business by another name. 
So, of course I had no idea which company this was, reporting negatively to the credit bureaus. 

I do have a contract with XXXX. However, as initially stated. I did not receive any formal correspondence, in regards to my account being in jeopardy of being sent to collections. Which was the complaint towards companies, XXXX  XXXX, XXXX XXXX. 

After doing some digging for possible emails from XXXX, since there were no letters sent ; I did find an email. An email that stated that my account had been sold in XX/XX/XXXX, to XXXX  XXXX. 
What I did not receive prior to the account being sold, was any letter or email, providing me a balance of debt, at the time, I was given no option to clear the debt, before the account being sold, either. 

I had to do a strenuous search, in order to find the single email, in regards to my account being sold. I believe that I should have received more than a single email, for such a matter. 

I do not believe that XXXX did their due diligence, in order for me to pay off the debt, being it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: AC AutoPay LLC, Denver, CO Branch
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I noticed that someone tried to open an XXXX loan with XXXX ( in the inquiry report it says XXXXXXXX XXXX  ) on XX/XX/2023. This attempt to obtain an auto loan was done without my permission. I have since frozen my credit with the XXXX major credit burials. 

Any loan that is opened with this lender has been done without my knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 of privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A. States I have a 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 reporting 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 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/22, I found 3 items on my credit report that do not belong to me. Any information from my credit report that I inform you is a result of identity theft, must be removed within 4 days of you being notified. You can not furnish any account on my credit file without my written consent. I never gave you written consent. I have suffered a lot of XXXX and financial distress due to the deceptive practices XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, XXXX, Transunion, XXXX, XXXX, LCI, and any other place my information was illegally sold to. It has been nearly 2 months and yet, these items still remain on my credit file.

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 2022-12-22
Company: Self Financial Inc.
State: NC
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, 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 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There are some inquiries on my report that after contacting the company and trying to get more information and get the inquiries removed they were unable/refused too said i had to file a ftc report XXXX I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXXL inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX. The only thing that makes sense is someone at the lending company misused my info because I was pre-approved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
i found these following hard inquiries that i did not approve of XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

1.XXXX XXXX ACCOUNT XXXX XXXX has violated my rights. 
2.XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
3.XXXX  XXXX ACCOUNT # XXXX XXXX has violated my rights. 
4.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
5.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX  has violated my rights. 
6.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
7.XXXX/DEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In Accordance with 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 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 XXXX 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. 

XXXX XXXX XXXXXXXX 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX  reports to credit companies before my cycling dates. My bill is due on the XXXX They reported on the XXXX My cycle date is the XXXX. My Credit card balance was paid in fullon the XXXX. This is the second time they XXXX XXXX this because my cycling date fell on the weekend. I work hard on my credit. Pay all my bills. They are causing me to be denied or pay super high interest rates. The credit company dropped my scores XXXX points which will take me forever to recover from. I'm a business owner I can have bad 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 non-monetary relief