BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-03
Company: Global Lending Services LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This vehicle was repossessed by Global Lending Service in the State of Tennessee on or about, XXXX XXXX, 2019, and resold at an auction Under the laws of the State Tennessee UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I did not receive such notification, but I do know that repossessed vehicles are sold at auctions for what's owed, which exempts me from all contracts. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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:
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 XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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  XXXX has violated my rights XXXX 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have file 4 times with the CFPB and the FTC over this account COMENITYBANK/VCTRSSEC # XXXX, Third-Party Collection Agency unable to validate debt the original creditor never responded back at all. It has been well over 60 days. The account was opened and never paid for and I report this fraudulent account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
My name is XXXXXXXX XXXX XXXXXXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-10-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
2 cards of chase from XXXX XXXX XXXX card were stolen in XXXX. I called chase As soon as I saw the charges reported on card. Chase stated that I authorized the purchases. I did not authorize any of the charges. I called chase fir the last 4 months. My card was used my someone else. Chase has not reversed the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being sued in small claim s by Midland Financial/ Midland Credit Management .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX .     Without any prior contact I was sent a Summons to appear in Small Claims Court in  XXXX , GA. I am to appear in court on  XXXX   XXXX .     Because the claim did not have any contact information for the persons suing me, I had to look it up online. I found the address from where they looked at my credit history. I sent a letter requesting all informati on Midland had on my debt to be sent to me. They have failed to send me any such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: M.A.R.S., Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company informing them that this debt is a result of identity theft and they need to investigate since I know I have never been to this medical facility but ignored my requests or remove this item from my credit report. This collection company needs to do a little better to respond and help consumers fight these fraudulent accounts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Convergent Resources, Inc.
State: OH
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 account has been deleted from my credit report as a result of an error. This account reappeared on my credit report. I received a letter stating they would delete this collection from my credit reports for a second time. This collection still remains.

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 2023-04-10
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express debt collectors spoof numbers from my recent phone calls. I answer the call because it looked like it came from my friend that I have just spoken with. When I answer, I am directed to a phone dialing XXXX. 
I know I owe AMEX ; however, how can the debt collectors spoof the numbers of my friends to get me to answer the call? 
Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made complaints regarding the service company that this company has hired and have not been able to get any action from the servicing company so I am asking that this company fix there client. I have pages of documents of how they do not service my home loan correctly and then make my credit report bad. I have sent this information to the credit bureaus. This servicing coming is rate bad on the XXXX and why XXXXXXXX XXXX uses them is questionable.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld Systems Inc " robo called '' the house and said they were a collections company and to call them back at XXXX XXXX XXXX XXXX XXXX. I called them back and spoke to a woman and asked her a few questions and said it was inappropriate for them to be calling during a global pandemic. I asked to speak to a manager and she hung up on me. I called back from same number and they picked up and hung up again. I called again from a different number and spoke to a woman named XXXX. I told XXXX I was displeased and asked to speak to the manager. She said she would see if she could get ahold of the manager as they were all working from home. I sat on hold for 15 minutes of her attempting to contact a manager and waiting for a response. She then claimed her computer was crashing and that she may not get ahold of her manager due to that. I told her I would wait till her computer rebooted. She left me on hold for another 15 minutes and then said she was ready to transfer me to the manager " XXXX XXXX '' *. Thirty seconds after her saying she was transferring me the call was dropped. Third time I was hung up on in one day. I have never received a single piece of mail from this company claiming I owe anything. I also believe due to the global pandemic, it is an extremely inappropriate time to be collecting debt. No one is working to pay debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: I.C. System, 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: Account status incorrect

Complaint:
I.C. SYSTEM, INC has reported a collections account to my credit reports in the amount of {$260.00}. 

They are in direct violation of the Fair Debt Collection Practices Act. 

I have never once received a notice from this company at my address, and I have no idea what this debt is for. Nor a phone call or voicemail from them. They made no real attempt to communicate the debt to me. If they did send a notice they either sent it somewhere incorrectly or sent it with no direct company information on the envelope. Opening random envelopes is not safe for a multitude of reasons, and they did not clearly notate themselves on any potential notices. Aside from that, I have informed delivery from XXXX and can clearly see nothing from IC Systems was ever sent. 

IC Systems has violated articles 807, 808, 809 and 812 to name a few.

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 2020-06-21
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On my credit report, I have a inquiry from SHELL/CBNA dated XX/XX/2019. I did not authorize this inquiry. Citibank said they would remove the inquiry at the beginning of the year but it is still showing.

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 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XXXX I sent Transunion a dispute letter requesting inaccurate accounts be removed from my credit report file. I never received a correspondence back from Transunion. On XXXX I requested unauthorized inquiries to be removed. I never received any reply back, On XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Transunion for these as well. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letters for violation to respond within 30 days

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 2022-09-13
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:
XXXX XXXX bankruptcy has been dismissed & closed since XXXX and was unauthorized to use ... my information was disclosed publicly without my consent used in determining my public records & banking / lending process based off inaccurately reporting on all 3 bureaus... i have freeze on my social on all 3 bureaus /XXXX XXXX so therefore this info shouldnt be publicly given r disclosed without my consent... please investigate and send correspondence to my email XXXX XXXXXXXX ... ive disputed 3/4xs this year n made complaints to bureaus nothing is done...

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 2017-06-13
Company: BOK FINANCIAL CORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
D ear Sir/Madam, I  have an existing complaint (  XXXX  ) regarding the unreasonable monthly payment increase. I was told that the mortgage company filed the extension to respond to my previous complaint. Since I can not make a monthly payment at the amount of {$3500.00}, I called the company to see how much I have to pay for  XXXX   2017  to avoid any more issues and talked  one  of representatives named "  XXXX  '' and she mentioned that I can pay {$2900.00} until the decision is to be made to avoid the late fee and any other issues. Today I received the letter from the mortgage company asking to pay {$6500.00} by  XXXX / XXXX / 2017 . I 'm having real hard time to figure it out why this is getting worse and worse.. I still did n't get any response from the mortgage company regarding how much the monthly payment will it be regarding the complaint (  XXXX  ).   I am attaching the statement I received for your reference. Please help me out! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have deposited few checks in my new check-in accounts and some other deposits. 4 of the checks i deposited is cleared by the bank however they put a ristriction to my account and end up closing it without notifying me. I went to the bank to prove that those belongs to me. However, they still closed my account without give me any heads up and told me they will send me the money to my house but holding {$1500.00} for those checks. I received 2 checks each {$220.00} ( {$450.00} total ) from the city for my tenants XX/XX/XXXX rent. Another 2 check 's were from an attorney who was did my house closing. So those 2 check 's were issued to me to pay my credit card bill. Chase is refusing to relese those money. I reach out to them couples of time regurding the issue. I went to a branch with the closing documents and the monthly rent checks that i received but they still refused to relese those money. I also deposited {$3200.00} XXXX XXXX to one of the chase ATM on XX/XX/21 and for some reason ATM didn't able to deposit it properly and give me a receipt to reach out to Bank. I reached out to bank and filled a complaint on XX/XX/21 and still haven't heard from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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: Reporting company used your report improperly

Complaint:
I asked the credit reporting agencies XXXX, XXXX and Transunion to do a verification of my credit report in XX/XX/2022 in which they completed, the companies stated that everything was accurate. Upon thoroughly reviewing my credit report myself I found improper inaccuracies even after the bureaus completed their research. Such as identity verification, date opened, this account is also showing open although placed for collection which is a violation. 


Account : XXXX XXXX XXXX XXXX  Creditor : XXXX Acct XXXX : XXXX In accordance to the Fair Credit Reporting act I XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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
Consumer complaint received 2017-10-16
Company: Nudge Funding, LLC
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
After doing the paperwork and upon closing on XXXX XXXX for my refinancing of my home, I was led to believe that my payments would decrease. XXXX home loans/Nudge funding -Company I worked with told me all I would need to close is {$45.00} in a check and my payment would then be XXXX, approximately XXXX less than that was currently paying. After I got my first bill I found out on the paperwork that there is an {$12000.00} closing cost that was not explain to me which brought up my original payment {$200.00}. Due to their predatory and sneaky tactics, and not being thorough with exclamation, I now have a higher payment then originally. The company is based in Utah and the attorney that I signed with from a mobile agent is not licensed in the state of South Carolina which I reside.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This so called firm  XXXX  and  XXXX   XXXX , together with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 years in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying to collect a zombie debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX  : : claim #  XXXX  I called chase card benefits that my kids phone was stolen. She said to file a claim online which I did on  XXXX   XXXX   XXXX .   On  XXXX   XXXX    XXXX  , all I received from Chase was that I needed itemized sales receipted indicating the purchase of the price I am claiming.   - Your itemized sales receipt  ( s  ) indicating the purchase price of the item  ( s  ) you A police report was not requested til  XXXX   XXXX . When I received this email, I emailed back and called if we need to file a police report. Due to system error , Chase  needs to call me back. I didnt receive an email re : this police report or a call til  XXXX   XXXX ,   XXXX  . Chase is quite slow in processing this and many days have lapsed.     Also there was NO Prompts or mentioning in the claims online that a police report is needed!     Additionally the rep,  XXXX  called me on  XXXX  of  XXXX  requesting a police report. I told her and I have emailed you guys I can go and obtain a police report. She said, she needs to speak to someone or she needs to check something out.   On  XXXX   XXXX , she called stating the claim is denied because a police report was not in place.     Why wasnt I requested a police report in this email on  XXXX   XXXX  request?     I have been with chase when I was  XXXX   XXXX   XXXX . For 16 years, I paid an annual fee! If you look at my histories, I have purchased many expensive items! I do NOT have histories of filing lost or theft items at all. This is my FIRST item that is lost and this is how Chase treats me!     I feel chase is trying to avoid paying this claim. I am a good cardholder, I pay my bills on time, etc. I am not very happy. Whats the point in paying {$95.00} annual membership for? I paid this fee to have a sense of security when my item purchased is damaged and lost.       I will also file a BBB report and any other report that is necessary to have Chase cover this claim.     If I was told in the beginning or when I file this claim that a police report needs to be popped up then I would have filed a police report.       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation