BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2023-06-19
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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received assistance from The State of Arizona mortgage assistance program. I am on my third and last monthly payment from them to Chase. For the last three payments, I have had to call Chase and basically force them to go find the payment from the department that handles mortgage assistance, and have them get the payment and apply to my account. For some reason, Chase is completely incompetent and cant do it on their own. iI always takes until the XXXX of the month for them to do this. And here we are at XX/XX/XXXX, and they still have not applied the payment at the state of Arizona sent on XX/XX/XXXX. I have sent multiple emails to them to go find the payment and get it applied and they still refused to do so. Ive contacted my case manager at the State of Arizona housing department and reported this. The State of Arizona considers this theft, and Im not the only one having this issue with Chase. Not only did Chase steal and lie about my escrow overage amount and falsify tax amounts, but now theyve stolen a payment from the State of Arizona that should be applied to my account for my May payment. Im not quite sure how Chase gets away with stealing peoples money but its going to stop with me. Absolutely nothing has been done on the prior complaints and clearly you people just let Chase get away with stealing their consumers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Emergency update to original case RE : Consumer Financial Protection Bureau Complaint No : XXXX for PayPal. I contacted the scammer XXXX XXXX, through a new number which he actually responded. My screenshots provided here will prove to you that he is in fact the scammer. Please be advised that the screenshots have some explicit content from " XXXX '' 's text but I have tried my best to cover it up. He first stated that I had the wrong number then came to the point where XXXX stated " Stop asking for a refund '' and lastly " he would do it again '', meaning he would scam me or others again. Is this what PayPal stands for? Letting scammers continue to scam people with proof from the victim? I do not want to wait 10 days. I want my {$130.00} back immediately or I will file a chargeback for fraud with my credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Sterling Infosystems Inc.
State: TX
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: Public record information inaccurate

Complaint:
on the report it has inaccurate information using my socail security number but the name and charges are not me. and then other information on it thats really old keeps reappearring and is now possibly costing me my job ive done an assessement for my job but its still pending and i really need a job i just recently found out that this is at least the sec background check i did not past due to innacurate information and or things that shouldnt be there at the vary moment

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 2022-12-15
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have 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 2023-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital one has retaliated against me again. This time using various " capital one " entities to drop my credit rating XXXX points to XXXX. Previously XXXX has been debited illegally and left as negative for the refund and subsequent false debits. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency shall not furnish an account without my written instructions.

15 USC 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 2023-07-05
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I made a complaint against XXXX today already on this. Months ago, I was occasionally receiving mail from a company known as Convergent ( I think it is a debt collection ) showing I owed XXXX over {$5500.00}. I honestly already threw them out because I thought this was all over. I went to my local XXXX store at XXXX XXXX XXXX, XXXX XXXX, VA XXXX and had numerous phone calls with XXXX. 

I was told that the letter looked like a fraud scam to them and the account numbers shown in the letter showed nothing in theirs for an account for me. 

After I called XXXX today, they were incredibly rude and after I kept asking for documentation on a dispute that she claimed she was filing for me ( but kept telling me to come here .... ). I recorded the entire conversation on video. 

XXXX decreased my credit by XXXX  points recently because of some XXXX account. I have no XXXX account that I don't already spend monthly expenses on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposit a little over XXXX bucks into my chime checking account that I than transferred into my chime credit building account to pay my bills on the XXXX  of XXXX they locked my account when I was making transactions stating that fraudulent activity was suspected. They emailed to send documents thats I provided as well as transaction numbers related to the transfer of money from a linked account I have sent over XXXX emails with the same information including proof of identity, proof of address, bank statements with the last XXXX digits of the card number, social security card, etc.. bottom line I complied with what was asked after XXXX emails to XXXX they than sent a email letting me know that they have closed my account and the funds will not be returned even after I sent everything they ask for I bank with XXXX XXXX for XXXX XXXX yrs and only use this account for credit building I been a member with chime for over XXXX yrs and never have I ever had such a issue with being in violation I am baffled about how they are handling the situation they have stop responding to my emails after XXXX plus emails going back and forth about my money. I can careless about the account being closed I just want the money that I showed proof of where it came from there was nothing fraudulent I even got a letter from XXXX XXXX showing my direct deposit and from XXXX where I transferred the money and transaction codes there is no reason for them to steal my money this is ridiculous and I am not letting this go at all. I WANT MY MONEY FROM CHIME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX  XXXX XXXX  ( XXXX ) ; XXXX XXXX XXXX XXXX  ( XXXX ) ; XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ) ; and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 and XX/XX/2019. 

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 1681 c, ( 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. 

My identity was stolen by a close relative who I believe was my XXXX XXXX Any of these companies has yet to provide some valid proof of my opening them. I have received statements from the fraudulent accounts claiming to be the validation which proves nothing. Thanks for any help in resolving this.

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The credit bureaus stated my account # XXXX was properly investigation but how is that possible if the account is inaccurate. I had called XXXX that is the number to the us department of education. I had spoken to a representative & she had ensured me that the student loan for this account was cancelled/refunded back to the department of education back in 2015. She also ensured that this student loan does not exist & shouldn't be reporting on my credit report. she told me i had dispute it with the credit bureaus. This account is negatively impacting my credit score and with me trying to obtain a house. This is ground for removal they also violated my rights under.

15 USC 1681 section 602 A : Sates I have the right to privacy.

15 USC 1618 section 604 A section 2 : It's also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-07-24
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Frost-Arnett , a debt collector, continues an attempt to collect a non-existent debt in the amount of {$92.00}. This amount was paid promptly at the office of the provider, on the very same day of service, XX/XX/2023. Weeks later, I received a lengthy phone call from someone representing the provider, XXXX XXXX, seeking the amount in question. I told them that invoice had been paid and advised them to check their records for the payment, which was made directly with the service provider. There was an obvious failure by them to perform any due diligence in this respect and are now harassing me by issuing collection letters which require my time be spent on contesting something that could have easily been dismissed. 
I have receipts from the provider for the amount being requested. It appears they would rather spend their time trying to collect twice rather than checking their own records! I find this type of business practice both predatory and intolerable, requiring some sort of legal remedy to put a stop to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I mad a police report.And the issue is being investigating.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: MD
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXXXXXX Balance : {XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2014 Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX Name : XXXX XXXX XXXX I need all three bureaus to report my name accurately as the full name on my Social Security Number is XXXX XXXX XXXX XXXX. The following personal information is incorrect, I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect. I never lived there. Please delete it from my credit report Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - made my mortgage payment on XXXX XXXX website as I have done for past couple years. 
XXXX  -received notice in the mail from XXXX XXXX that loan had been sold to Planet Home Lending and no more payments could be made as of XX/XX/XXXXXXXX 
XX/XX/XXXXXXXX received a notice from Planet Home Lending that I failed to make my XXXX payment and was now late and needed to make XXXX and XXXX 's payments. Informed a XXXX late fee would be added on XX/XX/XXXXXXXX 
XX/XX/XXXX - checked my bank account and saw that despite making the payment on XXXX XXXX website on XX/XX/XXXX, they must have chosen not to process the payment. 
XX/XX/XXXX - went on Planet Home Lending and attempted to make XXXX & XXXX payments and was prevented from doing so, stating I was delinquent and could not pay on the website. 
XXXX  - contacted Planet Home Lending and spoke to customer service women who wanted me to give her my banking information over the phone. I refused, and requested to pay online, she said not possible because I was delinquent despite m explaining that really was not the case. She suggested I wire funds or mail a check, which I would not do for multiple reasons. I asked if they were going to report me late to the credit bureaus and she said not for at least 60 days and that they don't charge late fees for the same 60 days due to RESPA. When I asked her why than does it clearly state they were going to charge XXXX if payment not received before XX/XX/XXXX she had no answer. Both XXXX XXXX and Planet Home Lending have inodiated me with mailers and calls trying to get us to refinance our home or take cash out, neither of which we need or want. We have an interest rate for 30 years of 2.25 % and the harassment never ends. I believe this latest stunt is just another way of trying to trick us into refinancing or taking cash out. 
XX/XX/XXXX - I paid through online XXXX XXXX through my bank tonight so I had proof of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed discover bank online with XXXX for amount of XXXX it came back verified I called XXXX again ask them again to to dispute information thoroughly because I talked to discover bank they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
1. XXXX XXXX XXXX XXXX XXXX open since : XX/XX/2022 Has violated my rights. 

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

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