BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act JPMCB AUTO Account # XXXX, has violated my rights. 

15 U.S.C 1681 sections 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 2022-04-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-06-06
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:
15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A Section 2 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 2022-04-24
Company: EQUIFAX, 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:
In accordance with the 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 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. 


XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TIDEWATER FINANCE COMPANY, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX removed the following account TIDEWATER MOTORE CREDIT as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has Tidewater Motor Credit re aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

XXXX XXXX is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am not asking your credit reporting agency to validate or verify any information from XXXX XXXX. I have already sent a notice of Validation according to 1006.34, XXXX XXXX has already sent me letters and statements from the original creditors they have bought the debt from. I am simply advising you that due to XXXX XXXX not being a creditor, they did not validate any debt according to 1006.34 ( b ) ( 2 ) ( iii ) 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement, or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. 
However, a statement or invoice provided by a debt collector is not a last statement for purposes 1006.34 ( b ) ( 3 ) ( i ), unless the debt collector is also a creditor. 
According to CFPB 1006.2 Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 
I have already sent your agencies multiple documents and evidence showing proof that XXXX XXXX has not validated any of the debt according to 1006.34 b 3 i. Please follow the regulations that have been put in place for you to follow or I will have to seek remedy and file a lawsuit. 
Please look at the past complaints and documents I have already sent, do not request for XXXX to verify. THIS DEMAND IS STRICTLY FOR THE CREDIT REPORTING AGENCIES ONLY TO FOLLOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Carvana Group, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I tried to extend my credit and conduct a consumer credit transaction and finance a vehicle through Carvana.com and their requiring a down payment separate from the finance charge which is supposed to be included in the finance charge which is the sum of all payments pursuant to 15 usc1605. I contacted someone to try and resolve this issue but no one seemed to hold authority to resolve this matter. They willingly and knowingly misleading me through false representation which is in direct violation pursuant to 15 usc 1611 & see 15 usc 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # XXXX : XXXX Trans Union 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 2022-09-19
Company: Experian Information Solutions Inc.
State: NV
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:
Noticed a hard inquiry for a company I never applied to XXXX XX/XX/202XXXX 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 explanation
Consumer complaint received 2019-02-16
Company: General Motors Financial Company, 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 status incorrect

Complaint:
XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no payments were late. ( XXXX ) I asked GM to take care of my credit report as well. It is continuing to report 2 late payments and I am receiving notices we are credit risks because of it. I want my credit reports taken care of immediately. It is adversely affecting our financial statement. I called GM, and they said I should check at the end of the month, no our finances are being impacted now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
{$16000.00} dollars is what i was told i need to pay before i can pay off my car interest and then i can finally start to pay on my actual loan. There was and issue that started back in XXXX of 2019 that started this whole spiral, since then i have been paying back what i can when i get the money. Every month up until this day ive have been paying something however nothing i pay going to my loan. I have called several times over the past few months and have gotten nowhere with the company ( Sandtander Consumer USA ) and have only spoke with disrespectful agents that had been no help what so ever. Ive contacted the XXXX  and they were useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lunv funding is reporting on my credit account and it was the result of a Id theft account and most stop collections attempt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: BARCLAYS BANK DELAWARE
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified with a phone call from XXXX bank about a debt for a credit card for XXXX dollars on XX/XX/22 and I have never had a credit card from them I checked my credit report on XX/XX/22 and seen where they have reported me in collection for the money I told them that they gave the card to someone over the internet and it wasnt me my house at XXXX XXXX XXXX XXXX Mississippi XXXX was broken in a few years back and I have been having problems ever since with people opening accounts in my name they stole all my personal checks and information so they have my address and social security number and all and it seems like ever year I have to fight to keep my name and credit current

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 2023-01-23
Company: EQUIFAX, INC.
State: MI
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:
Complaint # XXXX was created and sent to XXXX  XXXX on XX/XX/XXXX. It is now XX/XX/XXXX ; more than 30 days have expired. All information pertaining to XXXX  XXXX must be deleted from all consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2022 was the date the incident had occurred. 
Im reporting a serious complaint against American Express, XXXX  XXXX XXXX, XXXX and XXXX XXXX  for discriminating to provide me with an extended amount of credi that i request based on the fact that they unlawfully obtain my personal information from public companies to make a decision to provide me with such service which totally goes against TILA and also 15 USC 1691 regulations. 
im making sure that no other consumer has to face this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: HI
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:
Hard inquire performed without my consent. 
Actions taken : Contacted credit XXXX would not remove inquire Filed dispute Froze credit account Reported fraud to credit agency Provided statement to credit agency Contacted company performed hard inquire citizen bank Reported to their research department File complaint No resolution hard inquire still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit System # XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX XXXX The XXXX  XXXX Amount of XXXX. In Collection Ive advise the XXXX XXXX send copies the sign leased. Also send me proof of the Identification used. Never received any documentation or documents about the eviction notice or court order to evict. 
Because there was Identification of false record or ID theft fraud have been victim i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I requested Mohela refund for all my payments made after XX/XX/XXXX. I have also asked a reinstatement of all loan balances paid off after XX/XX/XXXX. At the time of my loan payments in XXXX, XXXX XXXX ( XXXX ) was my servicer. XXXX then acquired my loans in XXXX. 

In XX/XX/XXXX, my loans were transferred to Mohela, my current service provider. I have called Mohela more than five times since XX/XX/XXXX to ask for a refund of loan payments made after XX/XX/XXXX. Each conversation receives different information and responses regarding when I will receive the payments. Also, it's been almost a month and my loans have not been reinstated and still do not appear on my Mohela balance ( see attachment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: DC
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 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 explanation
Consumer complaint received 2022-11-26
Company: Firstsource Business Process Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. 

This seemed like a phishing attempt to me because : 1. I've never shopped at XXXX XXXX 
2. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. 
3. They don't have correct information about my name.

4. The place on the letter where they are to list my bank institution is blank. 
XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. 

It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from Firstsource Advantage , LLC ( XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to XXXX XXXX XXXX, XXXX. 

I'm not sure what to do next. I haven't contacted either XXXX or Firstsource because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Amsher Collection Services, 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 me the consume and my ferderally protected nonpublic personal information and rights to privacy and confidentiality under 15 USC 1681. 
FXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy and confidentiality. 
15 USC 1681 section 602 A, states that I have a right to privacy and confidentiality.

15 USC 1681 section 604 A section 2, states that a consumer reporting agency shall not furnish information containing an account without my explicit written consent.

15 USC 1681c ( a ) ( 5 ) states that, No consumer reporting agency shall make any consumer report containing any information of the following : any adverse information of items, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation