BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
L.J. Ross has repeatedly violated federally protected consumer rights by failing to adhere to government issued protocols for debt collectors ; federal authority granted in 12 U.S.C. 5481 ( 15 ) ( A ) ( xi ). Specific to the issues at hand, prior to reporting to a credit agency that an account is in collection status, as required under law, L.J. Ross must furnish verification of an alleged debt to the consumer. Further, L.J. Ross must notify the consumer of their right to dispute the alleged debt and the subsequent instruction. 12 C.F.R. 10 1006.34 ( a ). L.J. Ross is also barred from utilizing deceitful activities or tactics when working on the collection of any alleged debt. 12 C.F.R. 10 1006.18. L.J. Ross has violated the requirements of 12 C.F.R. 10 1006.34 ( a ) by not furnishing or attempting to furnish verification of the alleged debt. In fact, L.J. Ross DOES NOT MAKE AN ATTEMPT to notify an alleged debt prior to sending the debt to collection status. I have resided at the same address for four years and maintained the same phone number for sixteen years. By reporting to credit companies without notifying or providing consumers verification of alleged debt, L.J. Ross is engaging in deceitful tactics. Validation of the debt does not exist as reported, because claims of service dates do not match appointment or insurance benefit explanation statements. In addition, upon filing disputes with credit agencies has led to multiple collections accounts held by L.J. Ross being resolved and removed. However, L.J. Ross responds by reporting new accounts in collections for the same amounts. L.J. Ross has devalued by credit score by over ten percent, resulting in my failure to be able to secure a needed student loan or HELOC. I have been battling this agency for nearly a year, only to find similar stories and law firms advertising on how they can defeat L.J. Ross 's deceitful practices. Federal authority to issue protocols and regulate collections agencies was granted to the CFPB to ensure protections for consumers from companies like L.J. Ross.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Bank of America has made a change to the way the debit card is working. I personally have a long standing account that is set to decline all. Meaning any time funds are not available the transaction should completely decline. This has worked for many years for me and has kept me from being charged fees when there's not enough of money in the account. 

Now I'm noticing when i have some money but not all the merchants if there's a XXXX dollars in the account but not enough to cover they will let the transaction process for all the money that is available. An example is if the coffee costs {$5.00} there's only {$3.00} in the account they will allow the {$3.00} to be debited and I have to pay the remaining balance to the merchant. 

This is super inconvenient not only should it not do this. But there have been instances where I have to cancel the transaction because I do not have the remaining balance. 

And when you cancel the transaction then you have to wait for the temporary hold the merchant placed on the account to release before the funds will be available again. 

I know that they've made an agreement with the credit card logo debit cards and order to do this however if there's not enough money to cover it should just decline unless I have chosen to set up some options like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I filled a complaint in XXXX that Wells Fargo. I pay off a loan onXXXX and they mistakenly credited it to some other account. It took 5 weeks to have it fixed and was told that it would be credited back to the original payment date and it would not be reported to credit bureau as a late payment. On XXXX I got a message from XXXX XXXX that a late payment was reported and my credit score dropped 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 2021-06-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Navient Solutions, LLC.
State: VA
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 have tried to resolve this with the XXXX but I don't seem to be getting anywhere. Here is an overview of what is going on ... 
XX/XX/XXXX loans were taken out with Sallie Mae. Graduated XX/XX/XXXX. Was making payments on the loans. My mom ( who was the co-signer ) passed away in XX/XX/XXXX. I called and spoke with a representative to let them know she had passed away. They informed me that loan amount owed would be taken from estate. Sent the death certificate and they told me that she would not be removed right away because she had to remain on the account in order for her to be shown as being indebted to Sallie Mae. Nothing happened. They finally removed her from the loan XX/XX/XXXX. I made payment arrangements with them. Navient takes over and they begin to report inaccurate information and seem to have no knowledge of anything. They claimed that I stopped making consistent payments so they charged the loan off XX/XX/XXXX. But from the documentation that I will attach its clear to see that I was still making payments well into XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party.

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party.

The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party.

The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option.

Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX 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 2023-08-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NV
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:
Please delete the following unauthorized hard inquiries from my credit reports : 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 2022-11-22
Company: SYNCHRONY FINANCIAL
State: GA
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:
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card online on XX/XX/XXXX via XXXX and on XX/XX/XXXX via XXXX and consumer credit transactions were completed with Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX XXXXSynchrony Bank denied me credit after each transaction. The denials discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, has been reporting inaccurate information on my consumer reports. Date opened, high credit amount, last reported and comment sections between XXXX, XXXX and TransUnion are all different and inaccurate. Please remove from my consumer 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 2023-06-24
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2023, I received verification from the XXXX investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-09-17
Company: Continental Services Group, Inc. d/b/a ConServe
State: AR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ON AGAIN CONSERVE VIOLATING THE DODD FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT ( TITLE X ). CALLING WORK, FAMILY AND FRIENDS REGARDING ACCOUNT XXXX. THIS ACCOUNT WAS PAID INFULL ON XX/XX/2019. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 inquiries on my reports are unauthorized and not mine : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: FL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. DEPARTMENT OF ED/XXXX XXXX ( Account # XXXX ) is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ) The amounts {$6700.00} ; {$5600.00} ; {$1100.00} ; {$1000.00} ; {$7700.00} ; {$3900.00} ; {$7900.00} ; {$2600.00} ; {$10000.00}, {$2000.00} ; {$14000.00} ; {$24000.00} of this loan have competed the rehabilitation process. Delete now.

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 2018-11-07
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018 a collection account from The CBE Group Inc-Former was added on my credit report on all 3 Credit Bureaus for an account with XXXX XXXX XXXX XXXX that states it was opened XX/XX/2018. First off from doing my research XXXX XXXX and XXXX XXXX is based and services in California. I have lived in Ohio for the last 2 years and prior to that I lived in XXXX for 7 yrs. and XXXX  for 20 yrs. Not once did I ever have this service provider in those 28 yrs. This came up on my Credit report once before I believe in XX/XX/2018. It was removed shortly after, as this is not an account I opened and also they deemed it as Fraudulent and was removed from my tradeline then magically I was applying for an Auto Loan and this Company added a collection account to all 3 credit bureaus. Now they are " Parking and Re-aging a debt that is not mine. They have never contacted me via mail, phone or any sort of communication. So not only has this account been removed once from a different collection agency due to it not being my account and not mine and not accurate. I want this removed from my tradeline on all 3 credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had 3 credit cards with capital one. I have never once been late on a payment but in the past 6 months after a separation and chronic illness, i had multiple situations where my identity was comprised and my card was used without my knowlede. I reported all of these to Capital One immediately. I am a fully XXXX person and do the best I can. I had an issue with a XXXX XXXX XXXX a few weeks ago and they emailed me a verbally harassing email ( which I am not going to go into ) thinking I was trying to scam them but it turns out it was simply a misunderstanding. They did however report something to my bank and then my accounts were closed. I have no idea what would have happened. 

I called capital one last week and was told i could apply again, which I did and was immediately accepted for a new account. 

This was also closed, killing my credit rating. 

I want to repoen these accounts or just one, the last one opened and have another chance to be a cilent. I can prove that my identity was compromised and as a XXXX person it is prudent that I have a card like this. 


thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022, I called XXXX XXXX  about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and Experian reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with XXXX XXXX  and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called Experian, but they said that XXXXXXXX XXXX  would have to send a letter to have the inquiry removed.

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