BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC has been sharing my nonpublic personal information with nonaffiliated third parties such as XXXX, XXXX, and XXXX without my consent. Furthermore, the information that they are reporting is inaccurate and false. This violation of my consumer rights is a breach of my right to privacy. Additionally, LVNV FUNDING LLC has denied me the right to opt out of sharing my private information with consumer reporting agencies, which is a violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Prior to XXXX/XXXX/23 I had a mobile account with XXXX XXXX under XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX and terminated mobile services. After XXXX/XXXX/23 I did not use any service or purchase any product from XXXX XXXX nor did i receive any bill from them. On XX/XX/XXXX I received a demand letter from Convergent Outsourcing Inc falsely claiming I owed XXXX XXXX  $ XXXX without any information as to what specifically the bill was for. I called Convergent Outsourcing and spoke with an agent and indicated i terminated my phone service with XXXX XXXX in XXXX and did not owe them anything. The agent did not provide any information regarding countermanding my statement. I then called XXXX and spoke to XXXX and again explained i terminated service with XXXX XXXX in XXXX and did not owe anything- once again, XXXX XXXX  did not deny what i have stated. This to me seems to have the badges of fraud and I have made complaint to the Washington State AG office, as well.

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 2023-03-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I HAVE ACCOUNT THAT IS NOT MINE XXXX XXXX XXXX  # XXXX I NEVER HAD THIS ACCONT EVER I HAVE CONTACT MAY BE 30 TIMES OR MORE AND SAID THIS MINE VERY RUDE ITS IS A XXXX DEBT WHICH WOULD HAVE PAID IF WAS MY I HAVE DISPUTED WITH EXPERIAN WITH SAID VERIFIED

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 2023-03-22
Company: Experian Information Solutions Inc.
State: GA
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 had a small issue with my bank and my car payments made to XXXX were refunded to me over a three month period. XXXX reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. XXXX then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had a small issue with my bank and my car payments made to XXXX were refunded to me over a three month period. XXXX reached out to me and made me aware of this and I immediately paid them back what was taken from them. They ensured me over a recorded line they would not hurt my credit since they got their money back within 48 hours of notifying me. XXXX then destroyed my credit report and maked me as 90 days past due. I was never past due, I paid all my payments on time and when the little hiccup happened I got their money right back to them asap. Now my credit score has dropped XXXX points and I cant even use my credit anymore due to them falsely reported things late after one of their reps even promised me that wouldn't happen or be the case. 
So within 3 days of the incident after I was notified they were paid.

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 2023-03-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I already have an existing claim on this issue but Im filing another claim because Chase has now I guess youd say has takien revenge. In a month and a half they have done three escrow analysis. The first one done early XXXX and one done late XXXX showing the overage of {$4500.00}. That check was supposedly mailed to me twice which is why they did the analysis twice. I have ecopies of the statement showing the voided check. I never got it which is why they did it twice. And now, after I filed a complaint, which, by the way, the individual at chases executive office called me one time, gave me her contact information and I called her back XXXX times with no response. Now all of a sudden, since I filed a complaint, they did another escrow analysis for no reason, and mysteriously my tax payment has now increased enough to where I dont get an overage. Amazing that in a matter of two weeks and three escrow analysis, all of a sudden the money that Chase owes me is now going to the state for property taxes. Explain to me how XXXX county just miraculously selected my property to do a random tax increase AFTER the new year analysis had already been done last month, and yet they raised the taxes for me after I filed a formal complaint against Chase. So odd. This is completely illegal. I reached out to the city of XXXX County and Ive looked up my projected taxes and they are NOT what Chase is claiming inthis 3rd escrow analysis. What Chase is doing is theft and fraudulent. Just amazing that the amount that they came up with this time completely zeroed out the escrow account versus them sending me the money that they sent me just two weeks ago and two weeks before that. But again, miraculously, I didnt get those statements. Got my mortgage statements so clearly the mail is working. Seems to me as like there might be some huge scam that Chase is working with peoples money in there overages. They will not call me back. They will not respond to their actions. They have stolen my money. Do you know the financial institutions right now? Really arent looking too well in the news. Id be more than happy to contact the local news here and let them know what XXXX is doing, and then you know I bet people might make a run at chases banks. Theres a lot of people in Arizona the bank with Chase. Probably wouldnt be best for them. But if I dont get some responses and I dont get my money, I will be more than happy to bring this to the attention of the media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
On XXXX XXXX, 2023 I sent End Of Lease purchase paper work, odometer reading and payoff of {$28000.00} to Kia Financial and that was posted to my account on XXXX XXXX, 2023. After waiting 8 to 10 business days I called to see when I might receive my registration/title was told they were still processing. After several other calls I was told I still owed {$96.00}, no call, no text or email to me regarding this additional charge. I immediately paid by online check and it was posted to my account on XX/XX/XXXX. After waiting several days I again called to see when I might receive my title. After waiting on line and being sent to several departments they told me they didn't have my Odometer disclosure, which was originally sent on XX/XX/XXXX with the check for {$28000.00} by priority mail. I immediately did a document sign for the mileage on XX/XX/XXXX. In the mean time I am getting a late notice regarding my XXXX payment ( even though the car had been paid off XX/XX/XXXX ). I called again this morning and was told the odometer reading was pending and it would be 7 to 10 working days. I am a XXXX XXXX XXXX XXXX and truly feel I have been discriminated against by this company. I am XXXX XXXX  on XX/XX/XXXX and want to have the car registered to me before 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 2023-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 I received a letter from Bank of America that an application for an XXXX  XXXX XXXX XXXX credit card had been received in my name. This application was fraudulent On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted Bank of America in XX/XX/2023 about this and was told that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted XXXX credit reporting agency in XX/XX/2023 with a notarized affidavit of the identify theft that occurred on XX/XX/2023. They opened an investigation and contacted Bank of America regarding the fraud. According to XXXX, Bank of America indicated that the disputed credit inquiries were valid. These were false statements. 
As of today I have never received communication from Bank of America on this fraudulent credit application, and the XX/XX/2023 hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by maintaining false information on my consumer credit report, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).

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 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My consumer right has been violated according to 15 us code 1681 .... inaccurate information is listed on my report which should be deleted immediately...

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Years of overdraft fees and deductions

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 2023-03-22
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Requested my credit report in writing three times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
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. 

Account name XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Ive requested to get hard inquirys disputed from my report which they are inaccurate and not open accounts. I sent out letters more than 30 days ago but I havent been notified or updated about any information XX/XX/2023 Inquirys disputes

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 believe someone is using my personal information to inquire about credit card accounts. I have great credit and do not want these unauthorized inquiries to lower my score. Here are the inquiries that a saw on my report : Inquirer Name : XXXX Phone : ( XXXX ) XXXX XX/XX/2023 Inquiry Inquirer Name : XXXX  XXXX Phone : ( XXXX ) XXXX XXXX Name : XXXX XXXX XXXX : ( XXXX ) XXXX An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Phone : XXXX XXXX ) XXXX Industry Type : Commercial Banks Please remove them because this is a violation of my privacy and I did not request for new credit.

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 2023-03-22
Company: Receivables Management Partners, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After XXXX for XXXX XXXX, I received a bill from XXXX XXXX XXXX XXXX for pre-admission testing and a XXXX XXXX. I am insured under an XXXX, and XXXX XXXX is out of my network, but can obtain a prior authorization to cover such services ( they had all of my insurance information ). 
After much investigation, it was determined that XXXX XXXX did not attempt to obtain a prior authorization. I've talked to lots of people at the facility who agree with me and offer help, but I never hear from them again. XXXX XXXX refuses to negotiate. 
Now I have debt collectors contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2023-03-22
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by zwicker and associates in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a XXXX XXXX XXXX address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted zwicker and associates to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. Zwicker and associates are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe zwicker and associates need to be investigated. My rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Account status incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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