BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: LEXISNEXIS
State: MD
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, US Bankruptcy Court # XXXX has violated my rights. 15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX Data Breach and may have got into the hands of the wrong person. 

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

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

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

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

Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: ME
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 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 2022-12-04
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
Elan financial Service had been running my credit on different credit buraus without my consent. 
I applied on a credit card with them, and they ran my credit report on XX/XX/XXXX Since then, I see my credit report is being run by them every now and then and on various credit buraus, like on XX/XX/XXXX they ran my report on XXXX, then on XX/XX/XXXX without me applying on anything with them then again, they ran my report today XX/XX/XXXX which is a XXXX??? They ran my report on XXXX. 

I had XXXX phone calls today with them, one call with customer service and they told me that they do not know and advised me to call Credit services. I called the credit service department in Elan Financial and talked to XXXX who put me on hold for XXXX minutes and finally, told me they have nothing to do with and I have to contact the credit burau directly. Called XXXX and as per XXXX I have to get an FTC report from you, and forward to them by mail so they can take an action.

Please help. I did not authorize these people of Elan Financial to keep running my credit except once on XX/XX/XXXX. all the times they ran my credit recently during XXXX were unauthorized and without me knowing.

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 2022-12-04
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).

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 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is about XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX on that date. Please launch an investigation into the XXXX XXXX  inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

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 2022-09-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
midland credit management has been attempt to collect false debts accrued by XXXXXXXX XXXX has been contacting me directly attempting to collect debts from purchases never made by me, nor by credit accounts found on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: DC
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:
Om XX/XX/XXXX mailed a to Equifax XXXX and XXXX regarding information about inaccuracies on my credit report here is the letter that were sent and no response back. 
I've also sent proof from the courts showing don't report to the agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, District of Columbia XXXX Previous address : XXXXXXXX XXXX XXXX XXXX  XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Attn. : Consumer Relations XX/XX/XXXX To Whom It May Concern, I have previously disputed this item with you XXXX and in the response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 16811 ) and the information must be deleted immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract all accounts that you post on a credit report. 

Please see my reasons for dispute below : XXXX  XXXX Bankruptcy Case Number : XXXX Please delete from my account immediately.

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every other month, Chase keeps sending me an escrow analysis and increases my payment. Its getting ridiculous. My mortgage payment keeps increasing for no reason. I took a look at the escrow analysis and they withdrew payment on XX/XX/2022. I have no idea why they did this. I then took a look at the escrow and it states that they made a payment in XXXX and theres an expected payment in XXXX. My real estate taxes are to be paid quarterly, not monthly. I can not afford to make excessive monthly payments for real estate taxes. So right now, I have made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and an expected payment on XX/XX/2022 ( per the new escrow tax analysis ). I took a look at NYCs real estate tax website and it looks like the XXXX payment is applied to the tax bill due in XXXX. So if they are going to take more money from me in XXXX, where is that going to be applied to? Ive attached screenshots of the escrow analysis and the XXXX property tax website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
in accordance with the fair credit reporting act XXXX experian, and XXXX has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer 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 ope end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: General Motors Financial Company, Inc.
State: AL
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 keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, GM Financial has reported I have missed my payments for 4 months! I called GM Financial and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for GM Financial to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for XXXX months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX BANK XXXX recently checked my Experian credit file for an installment loan or new bank account on XX/XX/2022. I do not recognize this inquiry nor did I apply for any loans or banks accounts through them or any other company. I tried contacting the company directly and could not get through. 

Source : Experian Company : XXXX BANK XXXX Address : XXXX XXXX XXXX XXXX, XXXX, ND XXXX Phone : ( 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 2022-07-03
Company: SIMM Associates, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX sent a bill to collections in XXXX of XXXX. They did not process the billing through insurance. A dispute was sent to XXXX XXXX XXXX and the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX contacted me after the dispute letter on XX/XX/XXXX, to state that the insurance would not cover the medical equipment because I was not using the machine. I use the machine every night and they had not requested the information from the machine to provide to the insurance. I visited there office on XX/XX/XXXX, with the SD cards from the machines and had them download the information needed for insurance. I also had them print copies for myself. After this date, there was no further contact from XXXX XXXX XXXX. Now I have a new collection bill for the same original amount from a new collection agency, SIMM Associated, INC. They have failed to validate the debt owed and to provide my amount owed versus what insurance should have been billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My last CFPB complaint was intended for : Mail Code : " XXXX '' XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Executive Office of Chase Bank, I have filed a separate CFPB complaint on XX/XX/2022 to raise awareness to my rights which were violated. I spoke to a handful of chase employees along with your corporate employees have willfully ignored my demand for abiding by the law. 

I have mentioned I, the consumer and natural person, extended my credit and was initially discriminated against in the extension of credit by Chase applying for the CHASE VISA SIGNATURE BSUINESS card account. 

I was discriminated against in this transaction and will not tolerate this any further. Adverse action against a consumer is against the law 15 U.S.C 1691 ( C ) and Chase will be held responsible through civil liability. 

I have no received any acceptable responses since then indicating that Chase would do anything to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My dol sent me XXXX in benefits to KeyBank they mailed my sister house. She lied stole card sent to my parents in Tennessee who active and set pin and stole all money. I have all proof then I file dispute KeyBank took full responsibility said they forgot cancel the card they knew was stolen and send final credits 2-3 different times to the same card that was reported stolen 3 months earlier you sent final credits 3 times to the card u knew they had. I went all way downTN filee police report I lost my apartment due to this and was XXXX  then finally they promised they would fix it sent me a .card with nothing on it and now saying they gavee.the final credits. Already I gave them all information they asked for now they're trying blame NY DOL saying their not responsible for getting me my credit they promised. Negligence on their part allowed my parents to steal XXXX dollars from the bank or dol bc they never. Cancel card and admit it was their fault. This has caused me so much heartache and trauma

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Financial Business and Consumer Solutions.
State: AZ
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: Problem with personal statement of dispute

Complaint:
I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and XXXX were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CITIBANK, N.A.
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received an offer from Citi Checking to start a checking account. I was to fund it with {$15000.00} and keep the funds there for 60 days and then keep at least {$10000.00} in the account for 90 days longer until I received the {$300.00} that was offered. They never paid me and when I called them they said they changed the offer language after I started the account. The account number 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 2022-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
went into forbearance with Bank Of America. I sold the house and was charged XXXX. at the payoff.

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 2022-09-23
Company: Resurgent Capital Services L.P.
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 has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX Account- # XXXX Resurgent/ Lvnv Funding- Account # XXXX XXXX XXXX XXXX- Account XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 

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 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. 

I send out several reinvestigation letters one XX/XX/2022, XX/XX/2022 and I have heard nothing from any, not even the letter stating they received my dispute or that my credit report was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for purpose

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