BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: Credit Card Acquisitions Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an email from XXXX for an agreement to settle a debt of {$1000.00}. Previously I had received an email from XXXX that the balance was {$970.00}. 

Beginning of this year I was in the market to get a new vehicle. Unfortunately I was denied due and told that I had something negatively affecting my credit history so I pulled my report to see the issue. I then found out that this account with XXXX was on my credit report. I did a dispute and never received the findings of the investigation it just came back on my credit. I called XXXX and was given the information to Foster & Moore prior to that conversation, I the consumer was not informed or contacted in any manner to inform me that my information had been sold to a third party. At the time I did not have much understanding of the process I just wanted to be able to purchase a new vehicle so I called to discuss the account. Again, because of my car situation I just wanted the account to be removed from my credit report so I called and asked if I were to pay it will the delete it. I received an email confirmation letter stating if I made a payment {$970.00} by XX/XX/XXXX that they would inform XXXX that my obligation for the debt had been paid in full. The amounts claimed to be a debt do not match. There was never any validation or investigation done. 

My complaint with Foster & Moore is the fact that I never signed a contract with them. I was also never provided any documentation from XXXX when I disputed this on the findings from the investigation. I dispute this debt a contract was never established my consumer rights were violated when my information was sold without my permission. If you disagree please provide proof in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2021-08-29
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: Investigation took more than 30 days

Complaint:
I have not received any proof of owing this company and they have not completed their investigation. I have requested information numerous times over a course of months to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: V and H Portfolio
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: Reporting company used your report improperly

Complaint:
1. This is the company involved- Vance and Huffman LLC ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. XXXX XXXX XXXX ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 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 non-monetary relief
Consumer complaint received 2020-07-27
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This debt was originally with XXXX XXXX XXXX in the amount owed of {$920.00}, however this debt was turned in with a debt consolidation company of XXXX XXXX XXXX in the year of 2017. XXXX XXXX does know this because the consolidation company has already maintained a settlement in place. Even though a settlement has been reached, XXXX XXXX sold the debt to Cach , LLC, who tried to collect the debt but it was too old so now Cach , LLC has sold the debt to another collection agency by the name of Resurgent Capital Services, L.P.. This Resurgent Capital Services company has sent me correspondence asking me to pay this debt, however I have mailed them a letter letting them know that this has been originally turned over to a debt consolidation company. 
It should be against the law for credit agencies to purchase old debts from other collection agencies, and so forth. Once the original debt has reached the statue of limitations, the original credit card companies should be held accountable and fined for selling the debts continuously to other parties, 2nd and 3rd parties sometimes 4 parties. Please help with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On Saturday, XX/XX/2023, I was shopping online for a XXXX XXXX. I ran across a website that had what appeared to be a very good deal and got in touch with the seller via email. They asked me to make two payments for the puppy. One to sign the ownership documents, and the second to ship the puppy. Both transactions were for {$490.00} to XXXX XXXX. I was then put in contact with the " shipping company '' that would be handling my delivery, but was told I had to pay certain fees to secure my puppy 's travel across state borders. They asked me to make three money transfers and emailed me a document assuring me of a refund for my expenses. The transactions were for {$780.00} and {$760.00} to XXXX XXXX and {$660.00} to XXXX XXXX. They also provided me with a shipping URL and tracking number that appeared reliable. It was not until they demanded {$700.00} more for a supposed dog passport that I began to feel suspicious. With my family 's advice, I contacted my bank and informed them I believed I was being scammed and asked to have all transfers cancelled, to which they informed me they could not cancel a pending transfer but would place them on hold. They put all XXXX transfers for that day on hold, including the one I sent to my father for {$50.00} earlier that day, but I did not mind. They also mentioned they could not guarantee they would retrieve my money. The following day, I contacted the seller again and stated that I did not want to proceed with the process and that I wanted a refund for the full price of the puppy and the fees. To which, no surprise, they disconnected. I was not aware puppy scams existed until then and felt devastated for being so naive. What made matters worse was that, days later, when my husband called for an update to our case, the bank said since we had authorized the transactions, there was nothing they could do ; however, the {$50.00} on my father 's account still appears on hold to this day and were discounted instantly. I now know about Federal Law " Electronic Fund Transfer Act '' and that Regulation E states that if one is induced into transferring money, even if one technically agreed to it, the bank should reimburse the money, hence why I am seeking help in hopes of retrieving the lost funds. I have also reported the website so hopefully it will get taken down.

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 2023-07-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Aggressive Dispute of Unauthorized Address and Hard Inquiries on Credit Report To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with the unauthorized entry on my credit report. I recently discovered that an address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reported without any form of authorization from me. This unauthorized entry has severely affected my credit standing and caused undue distress.

Section Codes : According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( A ), I am entitled to know how this address was verified using my identification details. I hereby request you to provide explicit details regarding the verification process, including the method used and the documents utilized to confirm my association with the said address. 

Additionally, I vehemently dispute three hard inquiries that appeared on my credit report on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These inquiries were made without my knowledge or consent, leading me to believe that my personal information has been mishandled or misused. 

I demand an immediate investigation into the legitimacy of these entries. As per the FCRA, Section 611 ( a ) ( 1 ) ( A ), it is your obligation to ensure that the information on my credit report is accurate and up to date. Failure to uphold this responsibility will result in legal action being taken against Equifax for non-compliance with federal regulations. 

I insist that you remove the unauthorized address and the disputed hard inquiries from my credit report promptly. Failure to take appropriate action within 30 days from the receipt of this letter will result in the involvement of legal authorities and relevant regulatory agencies. 

Please provide me with written confirmation of the actions taken to address my concerns, along with an updated copy of my credit report reflecting the corrections. 

I expect your full cooperation and compliance with this matter. Your prompt resolution of this dispute is of utmost importance to rectify the damage caused to my credit standing.

You may contact me at XXXXXXXX XXXX XXXXXXXX to discuss this issue further. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an Ashley Furniture store card thru Synchrony Bank. I made various purchases on my card with minimum payments of around {$180.00}. I pay XXXX XXXX  monthly. XXXX charge made for {$580.00} or so for XXXX year of deferred interest expired in XXXX or XXXX. I was charged {$200.00} of interest. I thought my excess payments and allocated payments would have covered it. I called and spoke to a representative and supervisor. I was told {$260.00} still remained. I asked if I could just pay the {$260.00} and get the interest adjusted. I was told no since it was over 30 days. This is very unreasonable and questionable since my excess payments should have resolved. I paid {$260.00} on my card on or about XXXX. I am requesting adjustment of interest for {$200.00}.

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 monetary relief
Consumer complaint received 2023-10-17
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Thank you so much for the professionalism and patience in responding to my inquiries. 

My accounts were correctly enrolled into the SAVE program, but I noticed that I was placed into an involuntary IDR Proc Admin Forbearance that I did not request. It is my understanding that interest will capitalize on my account while under forbearance. I requested a forbearance removal on XXXX. Through a phone call to your wonderful reps, a supervisor was requested to review the account and it was confirmed that the forbearance removal was submitted, but that it will take almost 30 days to process that removal. 

As this was an involuntary forbearance, I am seeking resolution on any capitalized interest accumulated while this status affected my acccount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received a letter from Bank of America indicating that they were unable to open a deposit account that I had recently applied for. I immediately contacted Bank of America in writing to report that this application for a deposit account in my name was fraud. I requested that they investigate this fraud and report back to me what they were able to uncover in writing within XXXX days. No response was received, so I sent a second letter to Bank of America on XX/XX/2023 again requesting that they investigate this attempted fraud and report back to me in writing within 10 days what they were able to find out. This second deadline has come and gone without any response from Bank of America.

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 2022-12-08
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: Investigation took more than 30 days

Complaint:
I mailed in a dispute over 30 days ago and I have not received any investigation results or correspondence.

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 2021-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Due to errors on behalf of the credit card issuer, my annual fee was reduced to the point I can not use it for the primary purpose I opened the account. I had fraud on my account when I otherwise would not have any activity on my account and the issuer Bank of America ( BofA ) did not send me statements so I reasonably concluded I was not issued a statement. BofA failed to issue me a statement for 3 months then sent me a letter dated XX/XX/XXXX that I had a balance on my account. I contacted BofA on XX/XX/XXXX to inform them of the fraud. After the issuer failed to send me new cards with a new number as it had committed to doing due to fraud on my account, I contacted them again on XX/XX/XXXX so my cards could be reissued, at the same time requesting that my credit line which had been reduced to {$500.00} from the initial {$16000.00}, which is less than I need to be able to utilize the primary benefit I was promised at signup and therefore agreed to pay a $ XXXX fee. However, I received a letter dated XX/XX/XXXX nearly a month later that my request had been denied because " You have had a recent credit line change on this account '' which is circular logic because it was BofA 's errors in the first place that resulted in the credit line decrease, because I was not properly informed to respond to or pay a bill. I called to request reconsideration on XX/XX/XXXX and the person answering repeatedly refused to answer yes-no no questions which I take as an admission that BofA knows it improperly lowered my credit limit. I was informed reconsideration could only be done if requested by writing a letter. I wrote a letter on the same day and have been informed the request was denied. I have yet to receive a full detail. However the companion pass for the first year that was part of the signup package expired while I have been corresponding trying to resolve the unacceptable situation. 

In summary, I paid an annual fee of {$75.00} for my card and am unable to use the primary benefit that enticed me to sign up for the card because BofA has lowered my credit limit which was solely a result of BofA errors ; BofA itself failing to provide required correspondence, which has happened on multiple occasions since opening the account in XX/XX/XXXX. I am really disappointed that I have to file a report with the regulators but BofA 's actions have forced me to reach out for external help and any sanctions that result are its own doing.

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 monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently, I received a CFPB Complaint on XX/XX/2023 from TRANSUNION where XXXX was deleted. I looked at my report ; they never deleted it and are still reporting on my Credit report. Transunion has caused XXXX  XXXX in me. I did not Authorize nor consent to report this account. Per the Fair Credit Reporting Act, everything has to be 100 % accurate on my report, and Under 15 U.S Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. I also put my report in the upload where it is reporting when it should have been 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 2023-06-01
Company: EQUIFAX, INC.
State: GA
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:
COLLECTION AGENCY REFUSED TO VALIDATE DEBT. CREDIT REPORTING AGENCY REFUSED TO REMOVE COLLECTION AFTER DISPUTING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
15 usc 1681 section 602 states i have the rights to privacy 15 usc section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15usc1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I private loan with navient corporation I told them that I was under borrower protection because my school I attendant was doing fraud practices. And the schools was order shut down the private was I am not sure about the amount. If possible can I get some of that money back in a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the XXXX XXXX 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