BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, XXXX, experian, or XXXX. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/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 2018-03-20
Company: Resurgent Capital Services L.P.
State: KS
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:
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, XXXX and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, As of today ( XX/XX/2022 ) CAVALRY PORFOLIO SERVICc is reported a debt collection in the amount of XXXX on XXXX credit reporting agency that I owe them. 

I have contacted several times through this website and say that I never open any credit card from the originator ( XXXX ), never sing any document, never bought anything using their credit car and never know that a credit card on my name was being used by someone. Yet, they still post a debt that growing ever day and want to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions 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 - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
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:
I'm a natural person and a living human being whom I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. I demand these Inquires and accounts listed below removed because According to 15 USC 1681. I have the right to privacy and I did not give Equifax a written permission to furnish these inquires and accounts on my credit report. 

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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For over a year I have been disputing XXXX XXXX XXXX with Experion Credit Bureau asking them to please verify this debt because it is the wrong amount Everytime I file a dispute, Experion response back within days giving me a response that this debt has been verified I then asked how did they verify the debt and they tell me the company told them so without even giving me any documents Experian keep telling me I need to contact the debt collector and get the information from them which I have tried and notified Experian that the company will not provide me the proper documents as of now Experian has still not provided me the proper documents verifying this debt and they still have it on my credit report after I have asked for it to be deleted

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 2022-05-31
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: Was not notified of investigation status or results

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 ACCOUNT ( S ) : Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Account : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a unverified account from XXXX XXXX XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX XXXX Cease and Desist all further communications.Credit Collection Services needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Unauthorized credit inquiries on my report. XXXXfrom XXXX XXXXXXXX of XXXXXXXX XXXX It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.

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 2015-05-17
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is currently owned by Green Tree LLC. Today ( XXXX XXXX ) I received a statement notifying me of an increase in my monthly payment to cover hazard insurance because they claim I do not have insurance coverage on the property. That is not true. 
On XXXX XXXX my insurance company faxed my insurance policy showing them as the loss payee to the toll free number listed in their dunning notice. On XXXX XXXX I called Green Tree and was told the fax was received and that my insurance information was on file with an expiration date of 2016, which was correct. 
I updated the loss payee information on my insurance when I renewed it in XXXX this year, but I used the Green Tree address on my mortgage statement because I did not realize I should have used a different XXXX. 
When I received the first dunning notice from Green Tree in XXXX I was so upset that I did not read it carefully. I faxed them a copy of my insurance policy myself, not realizing I should not have done that, nor that I had used the wrong address for Green Tree. 
When I received the second dunning notice from Green Tree on XXXX XXXX, I realized my mistakes and immediately called my insurance company to correct the loss payee information. While I was on the phone with my insurance company, they faxed the updated information to Green Tree, as stated above. 
I do not understand why Green Tree sent me a hazard insurance policy dated XXXX XXXX and a statement dated XXXX XXXX when they had confirmation of my insurance on XXXX XXXX. My handling of this situation was inept, but my insurance policy never lapsed and the hazard insurance they are charging me for is not required.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: ALLY FINANCIAL 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:
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 15 U.S. C 1605 - Determination of finance charge 15 U.S.C 1666b - Timing of payments

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 2022-05-31
Company: Radius Global Solutions LLC
State: CA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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 2020-12-28
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in the XXXX XXXX, I currently am XXXX in XXXX XXXX. In XXXX I was made aware of an account in collection for an account opened in my name via identity theft. I called the XXXX XXXX Police Department on XX/XX/XXXX at XXXXPST. The case number is XXXX. The account was opened in XXXX Texas with XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. The account went delinquent on XX/XX/XXXX in the amount of {$3200.00} and was turned over to Hunterwarfield on XX/XX/XXXX. I have submitted an affidavit and the account number with Hunter Warfield is 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 2015-10-27
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
i received a letter from citibank dated XX/XX/XXXXin response to the letter from citi ... over the years i have requested my credit report and have copies of all the reports received ... 
citi alleges they applied a payment on line of credit on XX/XX/XXXX and that is what they show reflected at XXXX balancethat account shows XXXX balance as of XX/XX/XXXX and was closed at my requestsee the attached credit report ... your letter states you applied payment in XX/XX/XXXXto an account closed as of XX/XX/XXXX with a XXXX balancei have attached various credit reporting statementssee the various dates and the different amounts sometimes you alleged it was written off other times you allege it is a balance due then you allege the difference was written offkravitz was unable to validate their claim when i requested after i returned to vegas and asked them to validate XXXXfyi ... improper service ... filing writ of garnishment 4 1/2 years later without due process addressing mail to generic employers and sending it out to who knows who and noting my entire social security number ... this violates several statutes including nrs 239since this i have numerous mailings addressed to my property of towing companies ... i.e online the names of these towing companies show to be repossessing cars ... and the people whose cars they are repossessing state it is being done illegally ... today dropped off a file to kravitz ... i do n't know what you and kravitz are doing ... if you 're cooking the books to mess up my credit i do n't appreciate

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$510.00} don't belong to me please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im filing a compliant because I been reaching out to the credit bureaus for contract of the Debt and Receipts and no one have reach out at all I sent a letter XX/XX/2022 and also In XXXX I have paper work but it obtains my information as of my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We deposited a check Thursday and it was cleared Friday, however the fund was charged back next Monday for " XXXX  ''. Our knowledge is if the check was XXXX, it should not be cleared Friday. The bank 's misconduct caused us big loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I am a victim.of identity theft, victim of scam and catfish. I have a page called Truly Crimes if you need more evidence. I have tried to contact the Experian beauru but they arent taking full actions of this. I never lived anywhere but in New Jersey my entire life. I see its in other states my information and no actions are being handled about it. Even my name is wrong, I was going by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ssn ), XXXX XXXX, XXXX XXXX. No other names but yet I see other names in Experian. Idk if other beaurus are the same way but I am not going to fall to blame for someone elses mishaps but my own. I would kindly like this taken care of. I dont like in Florida XXXX Oklahoma XXXX ILLINOIS, Georgia, PA, XXXX or IL. Again. I LIVED in New Jersey my entire life. I already filed this already but no actions are taken. Im ready to process a lawsuit if this isnt handled by any beaurus.

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 2015-04-01
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX Bank is the holder of my mortgage. I requested a loan modification. Ocwen my servicer informed me that XXXX XXXX Bank refuses all loan modification requests. I would like to know why XXXX XXXX Bank refuses to allow loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my card information was used at an atm and two transactions of XXXX XXXX dollars was taken out without my consent. I was nowhere near this atm, so they where fraudulent charges. I locked my card right away and called costumer support for the charges, in which I filed a report. They stated I had to wait until the charges were posted to file a dispute. They settled XX/XX/XXXX and I called right away and filed the dispute. They denied my dispute claiming that it was not an unauthorized charge. I then sent evidence of the time and place where I was on the moment of the fraudulent charges, to reopen my dispute. They still deny it even with provided evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: DriveTime
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchase a vehicle from Drive Time approximately 8 months ago. I have been paying on time and looking to refinance the vehicle. I had my credit pulled and I was told that Drive time has not reported my payments to the credit agencies. When I first purchased the vehicle I was told that by the manager that drive time will report my payments within 30 days of purchase. I contacted DT Credit Company and asked them what was the reason that they havnt reported my payment history. I was told by several employees that they had a new system and have not reported anyones payment history since XX/XX/XXXX or XX/XX/XXXX. I asked the manager how come no one has informed the customers that DT Credit Company was not reporting. The manager stated that he did n't have an answer. I told the manager that part of the contract of purchase stated that they will report to the credit agencies within 30 to 60 days. I informed him that if DT Credit Company had a system problem the customers should have been informed. I also asked him if there system was hacked and if my information was compromised and he could not and would not have a answer for that question. My issue is that DT Credit Company are not telling perspective buyers the truth about reporting to the credit agencies.

Company response to consumer: Closed with explanation