BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/XXXX I have tried to get the credit bureaus XXXX, TransUnion, and XXXX to stop violating my rights by reporting INACCURATE information. The credit bureaus keep sending me updated credit reports that shows they didn't do any " real '' investigation nor care that they are hurting hard working consumers who pay their bills on time. 

It is UNFAIR that every 30 days since XXXX, I have to take time to send letters, ID and etc to ask for them to delete XXXX XXXX account # XXXX from my credit report. I have sent bank statements ( PROOF ) that I was never late. 

I understand that the credit bureaus want to make money $ $ $ $ off of me by reporting false credit information about me. So I will contact every agency I know and an FCRA attorney if needed because this is my 3rd attempt to have this account deleted. 

I received my investigation back and updated credit reports. You stated that you completed a fair investigation, and this account is now 100 % accurate. 

I need to know how did you investigate this account? 

I sent you my bank statements to show that I was NEVER LATE, but I didnt see any proof that I was late from XXXX XXXX. In addition, I pulled my most recent report from XXXX, TransUnion, and XXXX on XX/XX/XXXX, and still see XXXX discrepancies that proves that you didnt do a proper investigation according to the Fair Credit Act 15 U.S. Code 1681a which states how you are supposed to investigate my consumer report. 

Did you ask XXXX XXXX # XXXX to supply their accounting records or you just took their word? 

Did you interview my neighbors? 

Did you interview my friends? 

Finally, how is it possible that everything is 100 % accurate for XXXX XXXX account # XXXX when my credit reports show the following inaccuracies : 1. Date Opened 2. # Of Months ( terms ) 3. Last Reported 4. Date Last Active 5. All credit bureaus are reporting something different for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You have violated multiple laws : 15 U.S. Code 1681 15 U.S. Code 1681a 15 U.S. Code 1681i 15 U.S.C. Sec. 1681i ( a ) I demand you delete this account from my credit report immediately! 

Account Name : XXXX XXXX Account Number : XXXX This is my 3rd letter requesting this account to be deleted and will hold you responsible for {$1000.00} per violation if this account is NOT deleted immediately! 

Send me an updated credit report showing that XXXX XXXX account XXXX had been permanently 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 non-monetary relief
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX, Ive just discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy. 
15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Transunion XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus XXXX Transunion and XXXX ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.

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 2022-12-09
Company: ERC
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: Report provided to employer without your written authorization

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 can 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 2022-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, Ive just discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-08-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a Auto loan with Santander. The car transmission failed and I contacted them to see if they could extend the payment to allow me to save and par for the XXXX repair that was quoted by XXXX. They refused and said no, they could not do it so I told them they can come and pick up the car. All this was during the pandemic and I noticed on XXXX XXXX that the loan was written off as a bad debt. I was surprised they wrote it off as a bad debt while the car was still in my driveway. About 6 -8 months later, I woke up and the car was gone. My complaint is the fact that they violated the law by not letting me know the car would be sold at an auction. I did not receive a letter until after the car was sold, Nonetheless, the interest rate that Santander charges on consumers is outrageous. They have also sold the loan to a collection agency which I am confused about. I would be more thank happy to work with Santander on resolving this issue but I think its unfair that this doesnt was sent to collection after the car was sold and written off as a bad debt and without notifying me of the auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Long & Foster Financial Services, Inc.
State: CO
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 refinanced my XXXX  ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made XXXX payments to Prosperity ( XXXX, XXXX, and XX/XX/2021 ) when I received information from XXXX XXXX XXXX XXXX ( XXXX  ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my XXXX  account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to Prosperity. I called XXXX on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like Prosperity had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX  XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX  ( with whom I have another loan ) reporting a negative report on my credit record. XXXX filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with XXXX XXXX from both Prosperity and XXXX but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: John C. Heath, Attorney at Law, PLLC
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I reached out to Lexington Law by phone to inquire about their services. I was asked for a debit card or credit card in order to 1 ) verify my identity and 2 ) begin the process of determining if their services could help me. While on the phone with the Lexington representative he texted me the terms and conditions and I needed to text back with a reply of 'YES ' or 'AGREE ' which I DID NOT DO. I read the terms while still on the phone. I then informed the rep that I was not interested in pursuing this mainly do to the fee they were asking. 
Today, I checked my credit card statement and noticed that I was charged {$120.00} on XX/XX/2020 for services that I did not authorize. I have already contacted my credit card company and cancelled my card. However I was warned that this may not be enough to prevent further, unauthorized charges by Lexington Law.

I have been unable to reach a live representative of Lexington Law in order to terminate my subscription. When I call and press '0 ' for a live rep I am placed on hold for about 5 minutes and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: HI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I received a call from what caller ID showed as Chase. The caller stated my card was being used fraudulently and Chase was going to send me a new card. They send me an email and ask for the code that came on that email. Unfortunately I gave them that code. They then set up XXXX XXXX on their phone with my card. They had my phone number, my email address and my credit card number. I did not give them any of that information. They then proceeded to use my card for XXXX purchased totaling over {$5900.00}. I canceled my card after I discovered these charges. I notified Chase. They informed me I was responsible for these charges. I appealed this twice and both times they rejected my claim. The last response from them was that " You received benefit from this transaction. '' This was not possible since the transactions were on a different XXXX where I was and live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
GM Financial is repeatedly violating the FDCPA. GM Financial has reported debt on my accounts XXXX 's without ever contacting me first to notify me of the debts. Additionally, my debts were due to their system failures and deficiets in their customer service and billing departments, which makes their FDCPA violation more eggregious. 

Per the Consumer Financial Protection Bureau ( CFPBs ) debt collection rules as of XX/XX/2021, debt collectors must take certain steps before reporting a debt to a credit reporting company. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company. 

Unfortunately, we received no notification of any kind that an alleged delinquency had occurred with accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to Conns on XX/XX/2021 my boyfriend and I were greeted by XXXX I then showed him a BEDROOM SET ( keyword set ) that I wanted. He told my boyfriend and I to sit on some massage chairs and I told him that I wanted to pay upfront. He insisted that we finance because we just moved out here and itll save us money, so us being naive we listened. We filed out everything and after the paper work was finished I asked if he had made sure he got the correct bed set and if he had my dressers on there and I informed him that I didnt want two nightstands that I only wanted one. He told me that he got all that and that Ill revive my dressers after I make a couple payments so we set up a delivery date for the bed and I went home. On XX/XX/2021 I contacted Conns because I havent received my dressers and they told me they had no knowledge of me supposed to be getting the dressers. So I told them the story and they said sorry there wasnt anything they could do about it so Im stuck paying a loan for a XXXX bed. I would of never got just a XXXX bed Ive been mislead and tricked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm being billed and reported for a charge from XXXX XXXX XXXX XXXX for a {$660.00} dollar bill for a person who was not my child. I've provided 3 written disputes directly to the collection agency and they have failed to adhere to FDCPA practices by acknowledging and responding to my direct dispute. I've called on 1 occasion, and was talked to with actual curse words and then hung up on.

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 2021-08-03
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to Continental Credit Control. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item Continental Credit Control is inaccurate because the balance was paid to the vendor and 2 months before they contacted the credit bureaus. This is totally illegal as I received nothing from them and have tried on numerous accounts to contact them and they have not responded. For a few lousy bucks they received, or didn't, they affected my credit and didn't contact me ever. I am requesting that Continental Credit Control have the item removed. It is invaid and incorrect, they have inflicted fraud on my account. 
Enclosed are copies of my credit report and payments made supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX : ID, CR, and paid invoice to Vendor paid in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company reached out to my boyfriend after he added me as a signer on his account. When they made contact with him they told his they needed to speak to me when he said he was not me. They told him that owed them over {$600.00} and that they needed to talk to me. He is not my husband or related to me he is my boyfriend. He was not someone I wanted to know if I do or dont owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: GA
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with the credit bureaus for several attempts to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is ridiculous..Please delete DEPT OF ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 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  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation