BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: AVANTE
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Avante USA sent me a letter on XX/XX/2022 claiming I owed an alleged debt of XXXX I immediately responded with a written letter by via mail with return receipt with a written cease and desist notice with tracking # XXXX which was received and returned back to me. You then send me another letter on XX/XX/2022 this is a violation of 15 USC 1692c ( c ) which says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt, except to advice the consumer that the debt collector 's further efforts are being terminated, to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor, or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a remedy. If such notice from the consumer is made by mail, notification shall be completed upon receipt. Your actions caused me great stress, anxiety, and duress, according to 15 USC 1692k to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure in the case of any action by an individual, such additional damages as the court may allow but not exceeding XXXX. I have attached proof of this company Avante USA sending me a letter on XXXXwhich I didn't receive until XX/XX/2022 and a letter of me responding with a cease-and-desist letter with return receipt and them sending me another letter on XX/XX/2022 still claiming I owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Account information incorrect

Complaint:
XXXX XXXX is a 3rd party lender for a bootcamp that I attended. I advised the bootcamp that I believed it was a scam and did not move forward to completion with the externship. I was not supposed to be charged for this course unless I fully completed and they found me employment which then did not. I requested the school and the third party lender, XXXX remove this and they have not. It is negatively affecting my credit score. 

I requested that this be investigated by mail on XX/XX/2023 and again via email and phone on XX/XX/2023

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 2023-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
I have contacted both Chexsystem Inc and XXXX XXXX XXXX ( hereinafter " XXXX '' ) regarding a business transaction in the amount of {$25000.00}, reported to the Chexsystem as an XXXX XXXX XXXX dated of Closure XX/XX/XXXX. Routing number XXXX and Account number XXXX. I provided to XXXX XXXX of XXXX and Chexsystem disputing this information by providing Title 12 CFR Section 1026.3 Exempt Transactions. ( a ) ( 1 ) The following transactions are not subject to this part or, if the exemption is limited to specified provisions of this part, are not subject to those provisions : ( a ) XXXX, XXXX, XXXX, or Organizational credit. ( XXXX ) An extension of credit primarily for a business, XXXX or XXXX purpose. XXXX violated Section 5 of the Federal Trade Commission as well as the Fair Credit Act 15 USC Section 45 Prohibits unfair or deceptive acts or practices in or affecting commerce. I pointed out to both that XXXX willfully and deliberately deceived me by appearing to use the last XXXX of the account number XXXX. However, the last XXXX account number is actually XXXX. I notified Chexsystem and XXXX XXXX pointing this deceitful act out to no avail! To add insult to injury, Chexsystem changed the dollar amount from {$25000.00}, to now as of XX/XX/XXXX {$22000.00}. I brought this issue to the Chexsystem and they decided to become complicit in the unfair and deceitful practice and I am now bring this to this agency 's attention for resolution. I am requesting an investigation into the employees working for the Chexsystem misconduct by refusing to delete this inaccurate information. I am requesting this inaccurate information deleted promptly. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have to resubmit this claim because it was not properly closed by the company. I called Ally Auto around XX/XX/XXXX and spoke with an agent about creating a deferment since I lost my income but have another job Im about to start. He told me that I would have a payment due XX/XX/30 of XXXX and then XX/XX/30 XXXX. He then told me to try to make a payment within ten days of XXXX. I told him I probably wouldnt be able to make the payment, but asked if it would affect my agreement if I couldnt. He said no thats fine. I then received a letter in the mail stating my agreement was canceled because they didnt receive the XXXX. So I called and told the agent that I had spoken to someone and they said it was fine if I didnt make the XXXX payment. The new agent told me that was incorrect and the first payment wouldve been required. I asked them to listen to the call because an agreement was made on the recorded line and they said they would call me back within 24-48 hours. Instead, I receive ghost calls where they hang up as soon as I answer. Ive sat on hold for hours but only get agents that seem to not be able to hear me or just hang up. Ive tried numerous times to handle this matter with the company directly. 

Ive tried multiple times to contact the representative. The response I received had absolutely nothing to do with my complaint. My complaint was regarding a recorded phone call where I was told misinformation. I need Ally to listen to the phone call and honor the agreement that was made with me. The representative on the phone clearly stated that I do not have to make the payment within 10 days for the agreement to go into affect. He told me to try to make the payment within 10 days. I responded by saying, if I dont make the payment will my agreement still go into affect? The representative responded saying yes thats correct.

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 2023-06-16
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
on XX/XX/23 I lost my pre paid debit card. I last used my card at a gas station for {$5.00} earlier that day. I realized I lost my card later that same evening. I called the prepaid customer service to report my card lost and to order a replacement card. I then realized several fraudulent transactions had taken place while my card was lost. The list of transactions are : XXXX {$1400.00}, XXXX {$1700.00} XXXX {$100.00} XXXX {$100.00} and XXXX {$31.00}. I filed a dispute ( Dispute # XXXX ) .That is a Total of {$3400.00}. I received a credit for {$700.00} on XX/XX/23 and then a second credit for {$720.00} on XX/XX/23. that is a total of {$1400.00}. That leaves a remaining balance of {$2000.00} of my dispute that has not been refunded. I have reached out on several occassions to rectify the situation. I still have not heard from the bank as to why they would only give me a partial credit for the same dispute. Can the CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NC
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:
Experian continues to report inaccurate accounts on my report and keeps sending me emails saying the dispute letters do not appear to be me when I send them certified mail and provide my driver 's license and other forms of identification. The following accounts need to be deleted immediately for inaccurate reporting of the FCRA. XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I am attaching the dispute letter, and it needs to be honored. I am also involving my lawyer for violations of my consumer rights, and Experian refusing to honor my several requests to remove inaccurate accounts from my report also, refusing my dispute letters is a clear violation of my consumer rights. They continue to send me emails stating my letters are not mine when they are, and I've sent them certified.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone tried to charge my bank account {$700.00}. XXXX XXXX XXXX  called me and I went to the bank the next morning and we found that someone had opened an Apple credit card under my name as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: SC
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 XXXX said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a XXXX XXXX XXXX XXXX, not my information that was negatively reported, please remove from my credit profile

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 2023-12-07
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the save program in XX/XX/2023 before student loan payments resumed. I was just granted student loan SAVE program on XX/XX/XXXX. By then NELNET tacked on XXXX in accrued interest. I want the accrued interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00}

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 2023-11-20
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:
Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX, Transunion, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, USAA will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: VA
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 recently got a copy of my Experian report and noticed and unfamiliar account with a bank I've never used. XXXX XXXX is furnishing a fraudulent account on my report with no 30-day notice. I know that is a violation of my rights pursuant to 15 USC 1692g because I was never given a chance to see the debt nevertheless challenge the validity of the debt. I have attatched an FTC Identity Theft 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 explanation
Consumer complaint received 2022-11-16
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:
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 : 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 Section2 : It also states a consumer reporting agency can not furnish a 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 reachable cause to believe that the information is inaccurate.

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 2017-12-16
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is identifying itself as a debt collector in a letter mailed to us on XXXX. The letter stated that the company was collecting a debt of {$29.00} that they said we owed on an expired magazine subscription. We mailed them a dispute letter denying we owed the debt and demanding documentation to verify their debt claim. On XXXX we received a response from the company stating that they were stopping any further collection activity on us and closing their files. I suspect that this company is using false and deceptive practices to collect monies on expired magazine subscriptions under the guise of a threatening debt collection letter.

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