BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer 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 2022-09-20
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:
Under the Fair Credit Reporting Act, they have violated my rights 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 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

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 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: AMERICAN EXPRESS COMPANY
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:
My husband and I were in XXXX XXXX, XXXX on XX/XX/XXXX and we used our American Express card at a gas station to fill the tank about 6 to 8 gallons ( For reference we were driving a XXXX XXXX that gets around 30 MPG and is a XXXX tank ). Also, I am not a fluent XXXX  speaker but can understand the majority of what someone is saying. 
The attendant pumped the gas ( we werent allowed to pump it ourselves ) and when he was done he came up to the car window with a handheld card reader. I provided him first with our debit card but he stated it did not work. I provided him with our American Express card, and he ran it on the handheld device and stated that it was all good. He did not give us a receipt stating that the receipt portion of the machine wasnt working. We did not sign any receipt. 
When we got home a few days late, we were reviewing our charges and saw that we were charged USD {$2300.00}. Of course, we contacted Amex to dispute the charge. 
Amex stated they would do an investigation and get back to us. Amex stated that since the merchant was able to provide a signed receipt that they were not going to reverse the charges. We again contacted Amex and stated that the signature on the receipt was not ours, and although we were at that gas station we only got about 6 to 8 gallons of gas. We also told Amex that we never received any communication from them on the day of the charge regarding the large amount. Amex again stated they would investigate and again the answer was the same. They would not reverse the charges, they stated we could not provide any evidence that disputed the receipt from the merchant. 

We decided to contact the XXXX  and the response from Amex was again that there was nothing they could do. We had given the merchant our card and they do not authenticate signatures. 

We are astonished by the response from Amex. The main reason we have used Amex outside the country ( we live in the US ) is because of their reputation for always having the back of their customers. We are so disappointed, frustrated, and disgusted. We would appreciate any help in resolving this matter in a manner that is fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16
Company: Shellpoint Partners, LLC
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:
Completed deed in lieu of foreclosure in XX/XX/XXXX with Shellpoint Mortgage. Shellpoint never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from Shellpoint Mortgage is non-existent after they get their money from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Spring Equity LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last week, we sent this to Spring EQ. We are still waiting to hear from them, and we have suffered monetary loss. 
" Pursuant to 12 CFR, 1024.35, please consider this additional notice to Spring EQ and the payment processing agent ( XXXX  ) regarding the error that occurred by duplicate recordings initiated by Spring EQ in XXXX, 2022 and XXXX, 2022, respectively. I am attaching copies of all the e-mails and lien records for your reference. I have attempted to contact Spring EQ on at least 10 occasions by phone and have left many voice mails. I have yet to receive any resolution or confirmation that acknowledges the dispute or acknowledgement of willingness to research our claim of error. 
Please advise acknowledgement of our claim and status of the needed correction within six business days. We have suffered monetary damages due to Spring EQs duplicate lien in an amount that exceeds {$430000.00}. Our property and home has been tied up with erroneous lien ( s ). ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: SANTANDER HOLDINGS USA, 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:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( SANTANDER CONSUMER USA ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, with no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection receivable is collecting on an account that is under investigation. XXXX XXXX Collector from Collection receivable admitted that the alleged debt that is own file in my name is under dispute ( PULL CALL ) As of XX/XX/2022 I take it that Collection Receivables XXXX received notification from XXXX stating that this account # XXXX is under investigation. 

However, XXXX XXXX took it a upon herself to stalk one of my relatives information and called them by phone acting as if she knew him, asking him about me and where I work. ( PULL CALL ) XXXX then decided to call stalk my employment, I answered the phone and instead of her properly confirming this was XXXX, she just stated talking about, she has my account from XXXX XXXX and that I need to pay her! XXXX did not identify her name or where she was calling from XXXX violation!!! XXXX also falsely stated that she was calling from ( XXXX XXXX ) She never identified that she was calling from a collection agency and that the phone call was recorded. BIG VIOLATION! ( PULL THE CALL ) I told XXXX I was at work and that the alleged account she is stating that I owe is under investigation. XXXX aggressively said that she is aware the account is in dispute status BUT how do I want to take care of this debt? BIG VIOLATION ( PULL THIS CALL ) I called back to speak with XXXX, who rudely answered the phone ( ONCE AGAIN SHE DID NOT READ THE TALK OFF TO ME ) SHE just immediately said is this XXXX, and that she put the alleged debt they say I own in REFUSAL TO PAY STATUS!!! I NEVER told her that! I told her she was lying and asked to speak with a supervisor XXXX then hung up on me. 

I called right back to speak with a supervisor, I guess XXXX XXXX is a supervisor ( She proclaimed to be over everyone on the floor ) I didnt believe her at first and then I asked to speak with a manager. Instead of XXXX, properly and professionally giving the phone call to the OFFICE MANAGER XXXX XXXX ( According to XXXXXXXX XXXXXXXX XXXX XXXX  ) She kept saying that she is the next person in charge. SO, I reported XXXX XXXX to her and let her know what took place our conversation. 

During my conversation with XXXX XXXX, she got angry and started loud talking me in defense of XXXX XXXX!!! I then asked to speak with the owner XXXX XXXX ( According to XXXX XXXXXXXX XXXX XXXX ) XXXX refused to give me the name of the owner or how I could contact her, she kept saying its public information and that she will just tell the owner to call me ( Pull the Call )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter concerning a debt with XXXX usa . This account was previously sent to another collection agency to which the debt was disputed as well. Now, the disputed debt has been reported to this agency who is also trying to collect. I have requested validation of the debt as required by law and it has not been received. Additionally this debt has now been credit reported despite the written request for validation, and does not report as in dispute in violation of law. The letter that was sent dated XXXX requesting the validation is attached.

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 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
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:
In accordance with theFair Credit Reporting act convergent XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX  Account # XXXX opened XX/XX/XXXX, inquiries XXXX XXXX opened XX/XX/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 2022-06-27
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. 

Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. 

I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. 

This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. 

As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. 

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. 

It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-09-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Company has failed to disclose information pertaining to interest due, fees assessed and monthly statements or notices. Company also fraudulently responded to CFPB by stating that communication was submitted to me via mail and email. I have never received an email or direct mail communication from this company to provide me with the requested information. The only communication I have received is attached. I have questioned the fees that were charged to my account each month and for a breakdown to outline how my payments were applied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: SLM CORPORATION
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I send documents to Sallie mae requesting they send me the audit trail, and detailed documents that i specifically requested associated with my account. They received this malling through Certified mail # XXXX on XX/XX/XXXX it has been 8 full business days since they received this malling and yet to respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Do not have amy CONTRACT OR TIES to this company or the alleged debt that, they're Reporting on my credit profile. I've sent disputes to the credit reporting agencies as well. Please understand that this is a violation of my Rights to Privacy under the FCRA 15 USC 1692,1681,6802,1611, They are furnishing my credit information to 3rd parties, without my permissible purpose or My WRITTEN consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Sallie mae is harassing my workplace and now even my family members over MY loan with them. They won't stop calling others even though I have already made a payment and working on making others.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is to inform you that XXXX XXXX XXXX has unlawfully reported an alleged debt to my consumer report. Under the New Rule Regulation F. which took effect XX/XX/2021. 
XXXX XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer report. Cease and Desist the reporting of this Debt immediately or I will escalate this matter by taking legal action. 
I have not given Credit Acceptance written permission to put anything on my credit profile 15 USC 1681b2. Credit Acceptance has no permissible purpose by law to contact third parties with my private information. Your offense amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGOUS CONSUMER AND WILL NOT HESITATE TOTAKE LEGAL ACTION AGAINST 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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 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