BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person XXXX XXXX XXXX XXXX XXXX XXXX must adhere to a consumer 's right to privacy. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. 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 explanation
Consumer complaint received 2022-09-19
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon purchasing a home a contracted on XX/XX/XXXX with XXXX XXXX XXXX to set up a home security monitoring system including installation of equipment and ongoing monitoring services. XXXX set a date to send a installation of equipment and on such date nobody showed up provided and install any of the required equipment. No notice was provided by Brinks about this no-show or intention to reschedule. A second attempt was made to reschedule and XXXX again failed to send someone to appear for installation. After this second failed attempt I called XXXX service hotline and spoke with a representative to notify them of 2 failed appearances and my request to cancel the Agreement. This was confirmed and affirmed by the customer service representative. I later received an invoice for the initial month of the Agreement even though equipment was never installed. In response I sent an email to XXXX on XX/XX/XXXX notifying them that I already canceled the service per the terms of the Agreement ( Section 3 of the Agreement allows customer to cancel within 90 days ). I also reaffirmed my decision to cancel in this email ( written within 8 days of the contract execution ). 

In XX/XX/XXXX I received a notice of collection by a debt collection agency seeking full payment and nearly 100 % charges in penalty related fees ( totaling {$530.00} ). I responded with documentation including the contract, explaining the failed service, highlighting contractual terms allowing for cancellation within 90 days, and providing evidence of my cancellation attempts. Since this reply, the collection agency ( McCarthy, Burgess & Wolff ) has persisted in pursuing collection while not providing any basis for the charges and responses to my questions as to the validity of such. I wish to no longer be harassed with collection efforts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage loan servicer did not properly credit the payment that I made on XX/XX/2022 in the amount of {$1300.00}. This payment should have been credited to : XX/XX/2022 at {$670.00} & XX/XX/2022 at {$670.00} XX/XX/2022 I made a payment via XXXX XXXX for : XX/XX/2022 at XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, as a consumer, living man and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by XXXXongress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), " the term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Pursuant to FCRA/15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, " any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ... ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, XXXX XXXX XXXX does not have my written instruction to furnish any alleged debt on my consumer reports, especially XXXX that is hearsay evidence, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person XXXX XXXX XXXX XXXX XXXX XXXX  must adhere to a consumer 's right to privacyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights multiple times and for years now. Pursuant to 28 U.S. Code 1746, I, XXXX XXXX, verify under penalty of perjury under the United States of America that the foregoing is true and correct. Executed this day XX/XX/2022. /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
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:
My information was used improperly. I did not give permission for these companies to use my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Receivables Management Partners, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an initial call from a collector for a debt to my son 's dentists, XXXX  XXXX in XXXX XXXX. I did not think I had a debt, I asked for the collector to send something in writing, since I had never received a bill from the Dentist r the Collector. Then I called the dentist to check - the dentist confirmed that I had no outstanding bills, and had in fact paid in full in person on the date given by the collector. The dentist further stated that they do not send their bills to collection ever and this was a scam. 
I received a second call from the collector for the same ( fake ) debt. I told them I knew they were a scam and asked for their information. 
They are called Receivable Management Partner Services LLC and they are not listed on the XXXX XXXX website as a licensed company to collect in XXXX. 
I told them I would report them The person who called said their name was XXXX XXXX and their Manager was XXXX XXXX. Their number was XXXX. Their address was XXXX XXXX XXXX XXXX, XXXX Texas XXXX. 
After I told them I had checked with my dentist and knew they were a scam, they still tried to confirm my personal information, such as my address, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Sent transunion a letter in XXXX asking clarification on an account and was never sent. They're reporting personal information. Something needs to be done before legal action is adviced.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Bank 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 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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 DEMAND THAT YOU REMOVE THE ACCOUNTS AND INQUIRIES LISTED BELOW PURSUANT TO 15 USC 1681B ( a ) ( 2 ) WHICH COMPREHENSIVELY STATES THAT THE ONLY PERMISSIBLE PURPOSE OF CONSUMERREPORTS BY ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT ONLY UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER IN ACCORDANCE WITH THE WRITTENINSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES ; IF ALL THE ACCOUNTS LLISTED BELOWARENT REMOVED AS STATED IN 15 USC 1681i ) ( 1 ) ( A ), I WILL SEEK REMEDY UNDER 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ) CIVIL LIABILITY FOR WILLFUL NON COMPLIANCE : 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 explanation
Consumer complaint received 2022-09-19
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name should have been fully removed from the lease prior to any sort of issues. Someone else had resided their that should have been added to the lease in place of me. The office never updated this information and I lived nowhere near this property at the time of past due payments and eviction. The office also never contacted me to inform me I was indeed on a the lease and there were past due payments or chance of eviction. I had no mail sent, phone calls, or emails from the company until the information was sent to a collections agency. I have disputed this several times with no results. This is not my debt to pay. The new tenant on the lease should be fully responsible along with the other lease tenant. Im extremely shocked that this is even happening. If someone had notified me prior to an eviction and told me I was on the lease and that money was owed I could have settled these issues before they escalated to this level. But no communication from them was ever made. Now that its at the collections agency I see the apartment complex is no longer in business. I have no way of getting ahold of anyone. It feels like a complete scam and now I have an eviction and debt that is not rightfully mine to bear.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The consumer has been banking with JP Morgan Chase since XX/XX/XXXX. I few weeks ago the consumer received a text alert of an amount pending for {$2200.00}. The consumer contacted the customer service depart to inquire about the charge but was holding for significant amount of time. However, an agent answered and try to rectify the situation. Additionally, another charge of {$100.00} was not authorized by the consumer. However, Chase associates gave the entity XXXX the new debit card that was issued to the consumer around a few months back. When the consumer asked how the entity XXXX got ahold of the consumer new debit card credentials, the agent stated we do that all the time. That was a fictitious obligation which the consumer was not liable for. To make matters worse JP Morgan also participated in garnishment of the consumer account, then charged the consumer {$100.00} in violation of 15 usc 1692i. Chase is now acting as a debt collector by acting on behalf of an attorney who is in violation of 15 usc 1692e ( 3 ). Whereas the consumer did not consent to be sued by any attorney. There is no warrant of Attorney attached authorizing another to act on the grantors behalf. Whereas JP Morgan Chase has violated the FDCPA, and 15 usc 1673. Additionally, acting as a debt collector without any license from the State of Georgia to collect obligations of the United Sates. The alleged " debt '' from back in XXXX which has passed the statute of limitations. JP Morgan is complicit in divulging the consumer 's information in violation of the privacy Act. This action by chase has caused a detrimental effect on the consumer. The actions of Chase have prevented the consumer from acquiring a home due to adverse reporting which is illegal under 12 cfr 226.13 resolution 27. The court action was supposedly held without the consent of the consumer in violation of Rule 73a. JP Morgan Chase is using false and misleading business practices, by not giving the consumer full disclosure on opening an account with them ; they are operating with unclean hands. JP Morgan Chase is acting as designee for the consumer without full disclosure. At no point in time did the consumer agree to appoint any agent to act in a fiduciary representative manner for the consumer/ beneficiary of the account. This is a blatant breach of privacy whereas the social security number of the consumer was not redacted on the publicly accessible document.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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 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 an account without my written instructions. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XX/XX/XXXX # XXXX These accounts have violated my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
False reporting was not made by me below XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have reached out to transunion by online and mail. They have an account from XXXX  XXXX auto that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to 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