BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, 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 2023-03-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
LVNV LLC and RESURGENT CAPITAL SERVICES are trying. to collect a dept that I do not own. 
I never requested their credit or credit card. 
I want to dispute this debt because I know this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: International Computer Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First collection services has been placed my account from a creditor. I have received a letter stating to send payments to the original creditor. I have been sending what I am able to afford and I reported this information to the collection agency as well before XX/XX/23. They have notated this in the account on their end that I am making payments towards the balance but they kept calling me. I asked to speak to a supervisor but at first the supervisor never wanted to speak with me but through an instant message with the agent. I demanded to speak to the supervisor and when I did she proceeded to tell me that they never agreed upon this amount and that I better pay more per month. Worst company ever! I will report this to the original creditor as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CBC Companies, 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:
I am writing this complaint to INNOVIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
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. 


Personal information : Wrong name Variations ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX OTHER WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX,. My only correct address is XXXX XXXX  XXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX XXXX  XXXX XXXX # XXXX ( {$450.00} ), XXXX XXXXACCT # XXXX ( {$370.00} ), XXXX XXXX XXXX-ACCT # XXXX ( {$150.00} ), XXXX # XXXX ( {$4900.00} ), XXXX XXXX XXXX XXXX-ACCT # XXXX ( {$390.00} ), XXXX XXXX XXXX-ACCT # XXXX XXXX {$530.00} ), XXXX XXXX XXXX XXXX-ACCT # XXXX ( {$910.00} ), XXXX XXXX-ACCT # XXXX ( {$450.00} ), XXXX XXXX XXXX-ACCT # XXXX ( {$450.00} ), XXXX # XXXX ( {$450.00} ), XXXX-ACCT # XXXX ( {$210.00} ), XXXX XXXX XXXX ( {$500.00} ), 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been communicating with the credit bureaus and providing all required documents and they have not complied properly with me and have not removed these fraudulent accounts. I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX neglectfully let someone open an account under my name and rack up a large bill. There was ZERO attempt to contact me and I knew nothing about it until a I saw this was sent to a collection firm ( which lied claiming they sent a letter to me ). While I was the victim of XXXX 's negligence in verifying their actual customer, I went through the time/effort of filling out the forms on XXXX XXXX website and they agreed it was fraud. The collections agency stopped collections too. I made complaints against both firms at that time and you can see that under my history here. Now starting last week I starting getting calls from yet ANOTHER collections agency ( AFNI Collections ) on behalf of XXXX XXXX XXXX XXXX AFNI informed me that I still owe XXXX XXXX XXXX {$1000.00}. I call on the CFPB to do everything they can to punish these firms that make my life miserable, when I have zero involvement in their negligence. I implore you to look into this case specifically as this is clearly illegal to continue to attempt to collect money form someone who was the victim of that firms negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified the following negative information that needs to be corrected : The personal information associated with account number XXXX, XXXX, XXXX is incorrect. This violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to provide accurate and complete information about me. Therefore, I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX, XXXX, XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

The personal information associated with account number XXXX XXXX is also incorrect, which violates my rights under FCRA Section 611 ( a ) ( 1 ) ( A ). This is not my name, and I demand that it be removed from my credit report immediately. 

There is an inquiry on my credit report from XXXX with a date of XX/XX/XXXX. I have no recollection of authorizing this credit pull, and it violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ), which requires that a credit reporting agency may only furnish a consumer report for a permissible purpose. Therefore, I demand that it be removed from my credit report. 

Additionally, there is another inquiry on my credit report from XXXX with a date of XX/XX/XXXX. Again, I have no recollection of authorizing this credit pull, which violates my rights under FCRA Section 604 ( a ) ( 3 ) ( B ). Therefore, I demand that it be removed from my credit report.

I kindly request that you investigate these issues and take appropriate action to remove these incorrect items from my credit report. As required by FCRA Section 611 ( a ) ( 1 ) ( A ), I have attached a copy of my credit report, highlighting the above-mentioned items, for your reference.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CCS Financial Services, Inc.
State: PA
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:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong CREDIT COLLECTION SERVICE company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CREDIT COLLECTION SERVICE knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX, XXXX XXXX XXXX with Navient has contacted my employer and has attempted to harass me and my employer. He wants my employer to call him and to send him personal information on me. In an attempt to get them to put pressure on me or possibly fire me. This tactic is unprofessional and unethical. Please stop Navient from using these bullying techniques on Alabama employers and employees. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NY
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/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. XXXX sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And Experian never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: LA
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  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 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 non-monetary relief
Consumer complaint received 2023-03-17
Company: Lloyd & McDaniel, PLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My check was garnished without me being served. I contacted the company that sent the garnishment paperwork to my employer & when they asked me to verify my address I informed them that I would not because I never received notification of the garnishment. The representative, XXXX, informed me that they had a judge in Arkansas that would grant the garnishment as long as they had an address & it did not have to be the current or active address. The garnishment began XX/XX/XXXX & ended XX/XX/XXXX, totaling XXXX paid to the company, XXXX XXXX XXXX in Kentucky. I have contacted the courts multiple times & there isn't anything on file for me regarding a garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I keep trying to get a checking account with chase and its always a problem. Im a victim of identity theft and there were chase accounts opened in my name as a result. In XXXX I got a letter from chance saying I was cleared from the accounts and everything was fine. Fast forward to XXXX and still to this day when I go to a chase branch the account gets opened then they close it the same day and their reason is because chase doesnt want to do business with me. How is that possible if Ive gotten the letter from the executive office saying everything was taken care of? I just want to be able to get an account with chase!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sold an alleged debt to Amsher Collection Services Inc . According to XXXX XXXX XXXX, Amsher Collection Services is not licensed to collect debt in New York State. My issue now is that Amsher Collection Services is attempting to illegally collect a debt from a state they are not licensed inside of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Complaint against Audi Financial Services : Excessive delay in releasing title. 

We paid off our lease in XX/XX/XXXX - six months later Audi has yet to release the title. As a result we have not been able to rewew our registration - due XX/XX/XXXX. We are forced to risk driving an unregistered vehicle or pay for extended car rental and will likely encounter fines for delay in registration when we do get the title. 
We have folllowed up with Audi Financial Services regularly - approximately every 1-2 weeks and have received shifting explanations, shifting timelines for releasing the title and no resolution. The explanation offered is, per conversations and a letter dated XX/XX/XXXX is " we are currently updating our titling process which may cause a delay in processing times. '' A six month delay is unacceptable and negligent, bordering on fraudulent business practice and we are seeking immediate release of the title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Telsa Motors Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid in full a balance for fees related to the return of my leased vehicle to Tesla Motors. That debt was fully paid the day on which I timely returned the vehicle on XX/XX/XXXX. In spite of my payment of all outstanding liabilities, Tesla has repeatedly contacted me throughout the years for an additional identical amount for the same items that I paid for on XX/XX/XXXX. Tesla has since referred the matter to the debt collection company by the name of XXXX XXXX XXXX XXXX XXXX. My account number with them is XXXX. 

XXXX, XXXX XXXX XXXX contacted me about the debt once by mail, on XX/XX/XXXX. They now threaten to damage my credit score for this invalid claim against me. I retain the invoice and payment receipt for my payment of the claimed outstanding balance. 

I would be appreciative if CFPB could assist me in this matter. Thank you.

Company response to consumer: Closed with explanation