BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX  has violated my rights. 15 US 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 absolutely 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 explanation
Consumer complaint received 2017-09-07
Company: JPMORGAN CHASE & CO.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX I mailed a check # XXXX in the amount of {$2800.00} to pay in full statement due on XXXX/XXXX/XXXX. This check was cashed and never applied to my credit card account. A letter dated XXXX XXXX, XXXX from XXXX XXXX a collection company was sent to me stating they were collecting on a past due debt. I responded with a dispute. On XXXX/XXXX/XXXX, I received a letter from XXXX services stating they investigated how they were reporting my information. They confirmed the information as accurate that my account was closed by the credit grantor on XXXX XXXX, XXXX. They received my last payment on XXXX XXXX, XXXX and my account has a XXXX dollar balance. After they continued to report my account as past due with a balance I again disputed the information. The executive office first claimed they never sent the letter stating the account was paid so I sent them a copy. They they sent me a letter dated XXXX XXXX, XXXX stating they never received the payment and only issued a temporary credit on my account and reversed it because the information was illegible. This is all 8 months after sending me a letter saying its a paid account and closed. They have been paid and I have a letter from the company stating just that. This account should not be reported as past due, delinquent or have a balance. This is only damaging my credit score and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: FISERV INC.
State: TX
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:
hello there has been multiple charges on my XXXX credit card that i did not authorize. i reported them twice and the company refused to credit them back to my account. i reported them by phone and once by mail. when i called once i found out that the transactions i discussed on the phone was not reported correctly to their fraud department. probably because an operator error that couldnt report it correctly. based on master card zero liability i am not liable for somebody else spending my money and i reported those transaction less than a month of the charges happened but they didnt process it and then they said its too late! the list of all fradulent transactions are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  it is more than XXXX $ of transactions that the credit card company is refusing to credit back

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 2017-09-07
Company: Resurgent Capital Services L.P.
State: TX
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:
LVNV Funding, a company which I found out is well known for shady practices after a simple XXXX search, is reporting inaccuaretly to the credit bureaus. They are reporting it as X/2017 even though I have n't had any credit in at least 3 years, and I certainly did n't have any credit with them or XXXX XXXX. I have disputed this and the credit bureaus have failed to get proper documentation and due to the reputation of LVNV Funding I will not be contacting them. I have never received any contact via phone, email or mail from this company and the credit bureaus are not having them provide as requested twice.I want documentation proving the origin and details of the debt as I 've been provided nothing thus far per requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: WELLS FARGO & COMPANY
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:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with Wells Fargo. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and XXXX has violated my rights. 

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

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

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 2022-02-15
Company: JPMORGAN CHASE & CO.
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:
My Chase Freedom credit card was charged in the amount of {$1700.00} from XXXX XXXX XXXX XX/XX/XXXX. 
I never approved or used my Chase Freedom credit card to be used on XX/XX/XXXX. 

This charge started out in the amount of {$330.00} on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Rental Record # XXXX economybookings that was charged to my XXXX bank card that I used. 
XXXX bank resolved this matter after investigating and ruling in my favor, to later find out that this same charge was transfered to my Chase Freedom card with accumulated interest totaling {$1700.00}. 

I have been trying to resolve this matter since XXXX XXXX when it first appeared on my statement. 
Chase have sent me a about 2 letters regarding this dispute not being resolved, and i have twice sent the documents Chase have asked me for. 
This is dispute have gone on too long, and I would have like to put this behind me in the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bridgecrest has been the company managing my auto loans from XXXX. I purchased a vehicle and traded it in a few months later. Bridgecrest sent a paid in full letter for my XXXX XXXX XXXX once it was completed. The new vehicle, a XXXX XXXX from XXXX, had an engine issue and XXXX agreed to swap the vehicle for another. I now have a XXXX XXXX. 

Bridgecrest has failed to mark the loan from XX/XX/XXXX as paid in full across all bureaus. They are killing my debt to income ratio AND credit score by reporting that I have 2 auto loans totaling about {$80000.00}. This is FALSE! I only owe for the them for the XXXX XXXX! 

As of XX/XX/XXXX, I keep getting MyXXXX alerts that I have a new account with Bridgecrest. Screenshots attached below. 

On XX/XX/XXXX : XXXX trade-in XXXX XXXX Paid off on : XX/XX/XXXX Check amount : {$31000.00}

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 explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: TN
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, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
As of today XX/XX/2022, Experian has notified that my disputes were completed on XX/XX/2022. However, they have not closed out my case. I am yet again filing a complaint due to the erroneous items they are still furnishing on my consumer report. I am demanding methods of verification utilized for the accounts that remain on my consumer report. I will like to remind the company that they must follow the law/ FCRA that has been administered to them. It is also my RIGHT as the consumer whom has been treated with great negligence to know : the method of verification, the name and contact of the person that they have spoken with, what documentation that was provided and did it include MY signature, and if the company provided my name, ssn, and dob. 

Please take this as the final opportunity to cure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: Machol & Johannes, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt has been paid in full plus overpayment. I reached out to them about the balance before it was paid in full because I knew it was incorrect but the did not respond. They also did not correct the issue. 
After I paid the debt in full onths later, they sent me a repayment check for the overpayment amount. However, the check was not able to be deposited bc their account numbers on the check are incorrect. After calling numerous times trying to get information, the account team found sent me a form to sign sayimg they would cut me a new check as long as I signed the form saying I would not try cashing the other check ( mind you it is fraudulent and not able to be cashed or deposited ). I signed and returned the form. 
SINCE I had been dealing with the issue for over 3 weeks I personally went to the office to pick up a new check. The new check they gave me IS ALSO A BAD CHECK!!!! The bank and the agemcy say it is a direct issue with theor account. 
I have since reached out via emails and phone calls. They will not return my calls. I am at a loss of what to do to get funds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
i got my credit report of all 3 credit bureau on XX/XX/2019 from XXXX  and I found many error in all 3 credit bureau which I would like you to help me solve. I already dispute this information and even send them proofs to the credit bureaus and they have not done anything to correct this information, which is affecting my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX sent bills for an ambulance ride without any detail or explanation. By the time I got the requested detail, they had already turned the charge over to Credence Resource Management for collection. I disagree with the amount of the charges but am trying to settle the debt. I was working with a Credence representative on the phone and we agreed on a settlement. However, the representative, XXXX XXXX, refused to put our agreement in writing. When I continued to insist that our agreement be in writing, he got very aggressive and continued to refuse. Subsequently, on XXXX XXXX 2017, I sent written correspondence to Credence Resource Management but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
An extended protection warranty was purchased on a XXXX XXXX XXXX purchased in XX/XX/XXXX when the vehicle was purchased from XXXX XXXX in XXXX, Florida for the amount of {$1800.00}. I recently traded the XXXX XXXX XXXX in for a new XXXX XXXX XXXX, my XXXX XXXX trade had less than XXXX miles and was still under the factory warranty. 
I then was requesting my refund back from the extended warranty and found that the extended warranty which costs {$1800.00} was prorated back to the day I purchased the vehicle even though the extended warranty was not used nor took effect. Out of the {$1800.00} I only received XXXX refund and this is just plain old robbery of the consumers! 
I called and met in person with the general manager at XXXX XXXX and my complaint in essence fell on deaf ears! I also called XXXX XXXX XXXX , XXXX which is the holder of the extended warranty and same just fell on deaf ears! My feeling is that the CFPB should look into this ripping off of the consumers and this needs to be fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: NY
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 sent a certified letter to Experian to removed 3 accounts I didnt authorized to be on my consumers report under 15 USC 1681b ( a ) ( 2 ) and Experian failed to do an investigation and removed the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: GreenSky, LLC
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: Information belongs to someone else

Complaint:
Hello. I received a letter from Greensky dated XX/XX/20 regarding an overdue balance. I never opened an account with them. I never received money from them. Five and a half years after I allegedly opened this account, they say I owe {$15000.00}. 
This amount is on my credit report and should not be as it is not mine. 
Please help! 
Thank 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 2022-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Chase Auto claims that I owe the repayment of an auto loan. I disagree with their claim because I paid the bank for an extension of my own credit via a Finance Charge when I signed the contract for the XXXX XXXX XXXX XXXX back on XX/XX/XXXX. According to 15 USC 1605, ... the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The portion that says, ... payable directly or indirectly by the person to whom the credit is extended refers to me, the consumer, and the portion that says, ... imposed directly or indirectly by the creditor as an incident to the extension of credit., refers to the banks. The transaction was completed at the signing of the contract because the initial payment of the finance charge was needed for the banks to extend my credit to the dealership for the car. When I asked for the verification of the original creditor, not just the creditor, the bank claimed that they were the original creditor for each respective contract. This is false because the role of the bank is not to lend credit pursuant to 12 USC 1431 since it is not stated as a part of the Powers and Duties. By omission, I must be the original creditor since I am the only other party present in the consumer credit transaction. Therefore, there is no need to pay back something that already belongs to me, eliminating the idea of any debt. The only thing I would have had to pay to the bank was the Finance Charge which was already paid as explained earlier. This was a consumer credit transaction which was completed therefore there is no debt that I owe. I asked for validation of debt and each bank sent me a copy of the contract attached below which clearly indicates the price for the Finance Charge that I paid via my credit card for the extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company Capital One that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX Collections, Date reported is XX/XX/2022. Total amount is {$130.00} In accordance with the Fair credit reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states that 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 explanation
Consumer complaint received 2022-07-14
Company: FIRST ADVANTAGE CORPORATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
This is my first time in 30 years were my future job with XXXX XXXX has been on hold for incomplete background missing information. The information belongs from XXXX XXXX XXXX de XXXX XXXX were they informed that were unable to find my information. XXXX XXXX XXXX XXXX type XXXX, XXXX XXXX XXXX not given my transcript years taken. I have Copy Stamp on XX/XX/1999 in the Formal transcript documentation by the XXXX XXXX XXXX de XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The account in question has been closed for years now, but I still make payments on it. It ends in XXXX. Anyhow, a payment is due on every XXXX day of the month. Last month, on XXXX-2017, I submitted a payment of {$21.00} XXXX the minimum was {$20.00} XXXX. They will not allow you to submit a payment online without meeting the minimum. Anyhow, Citibank claims that I did not send in any money. However, I have proof that I sent in a payment ; they may have not deducted it from my account ; which is not my fault. I had enough money in my bank. I should not be charged any late fees for this for the month of XXXX 2017.

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