BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NY
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:
In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from XXXX about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. XXXX forgot to update this information. Please remove this from my credit history. XXXX needs to update the payment in all major credit bureaus.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 2020-04-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}, {$1100.00}, {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-09-06
Company: Experian Information Solutions 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:
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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) 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 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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 Account 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.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car note payment for the month of XX/XX/2022 was not submitted to my account. I sent off a money order on the XXXX of XXXX in the amount of {$680.00}. I checked the money order tracking through XXXX XXXX and it confirmed that the money order was cashed on the XXXX of XX/XX/2022. I have proof of my money order 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 explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: LEXISNEXIS
State: TX
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 resorts all bankkruptcy are FTC violations XX/XX/XXXX XXXX has issued a Finding of Violation to XXXX XXXX, which uses the trade name XXXX XXXX ( XXXX ), for violations of the Foreign Narcotics Kingpin Sanctions Regulations, 31 C.F.R. part 598 ( FNKSR ). From XX/XX/XXXX to XX/XX/XXXX, Compass maintained accounts on behalf of two individuals on OFACs List of Specially Designated Nationals and Blocked Persons ( the SDN List ). 
on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made numerous attempts to close my membership with XXXX XXXX. I sent a cancellation letter by certified mail on XX/XX/XXXX, I also included a letter from my doctors office explaining that I have health conditions that are high-risk for covid-19. I am unable to attend a gym. I did not receive a response from XXXX XXXX. 

On XX/XX/XXXX I personally went to XXXX XXXX and handed a copy of my contract, letter from my doctor directly to the owners of XXXX XXXX, which both stated, dont worry about this, well take care of it. You are now threatening me with collections. 
. 
According to XXXX XXXX 's agreement in section XXXX. It states, if, by reason of death or XXXX, you are unable to receive all of the services for which you contracted under this XXXX, you and your estate shall be relived from the obligation of making payment for services not taken prior to your death or onset of XXXX. If you prepaid any sum for services, so much of the sum as is allocable to services not taken prior to your death or XXXX shall be promptly refunded to you For the purposes of this provision XXXX means a condition which precludes you from physically using the facilities. Your XXXX must be confirmed in writing buy a physician and providing to XXXX. I have supplied XXXX XXXX with proper documentation from my Doctor that I am high-risk for Covid-19.  XXXX XXXX gym is not following CDC  guidelines and is unsafe. 

XXXX XXXX continued to charge me through the shutdown of gym facilities which was never authorized by me. I have attempted to cancel by phone, mail and in person. California law clearly addresses the elimination or reduction of services. Members have the right to cancel if, at any time during the term of the contract the health studio eliminates or substantially reduces the scope of the facilities ... that were described in the contract, in an advertisement relating to specific location or in a written offer, an available to consumer upon execution of the contact. The consumer may cancel the  contract and receive pro rata refund. ( Calif. Civil Code Section 1812.85 ( c ). )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an active credit card with Navy Federal, and this time Navy Federal refuses to return {$120.00}, back to an external account from which an, authorized monthly payment was made by a third-party associate. 

Navy Federal rejected that payment on an unfounded basis that the payment stemmed from fraud and closed the credit card on that basis. 

Navy Federals actions to close my credit card resulted in adverse, irreversible actions to my credit report. 

Lastly, Navy Federals actions are blatant, and evidence of this lies in the fact that they have refused to respond and ignore my written inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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.

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 2022-05-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I am a consumer, a Federally protected Consumer and my name is XXXX XXXX. I am exercising my consumer rights and I am informing you that Credit Acceptance Corporation is violating my consumer laws. On XX/XX/2022, I sent a letter to Credit Acceptance Corporation and this ILLEGAL REPO of my vehicle. 

Reading the FCRA, Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is a Direct violation of 15 U.S.Code 1692e ( 4 ) and it's fraud and illegal in the collection of any debts. 

They are in violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ) .Credit Acceptance Corporation is basically debt parking this account on my credit report and that is illegal. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the FTC. 

Once this illegal repo was taken place, I was suppose to receive some documents. The documents that I was suppose to receive was the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. Also, I never received a response from the letter that I sent in on XX/XX/2022. What they are doing is unfair and it is illegal. Please protect my consumer rights.

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 2021-10-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Previous Complaint # XXXX with CFPB I previously raised the issue of not being able to link my debit card to my account. The company responded and in the response the Serve indicated that they have resolved the problem. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with non-monetary relief Company 's Response We have completed our research and have attached a copy of our response for your review. 
DESCRIPTION OF NON-MONETARY RELIEF We removed the restrictions preventing the debit card link. 

As of today XX/XX/2021 I still can not link the debit card due to this restriction. The representative stated the EXACT same script they gave me initially regarding the problem. Which is to state " you can no longer link a card to your account '', and the notice states to not discuss it with you. Etc. 
Once again I am reaching account to Serve to see if they can properly fix the problem as this account was NOT the subject of any fraud or other misuse as stated in the previous complaint. 

Serve you have to do better with your customer service. Beyond poor service, very demeaning representatives and a POOR reflection of the brand that services a certain socio-economic class of people. As I stated in the last message, it appears that the brand does not care to service its core customers properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 filed a complaint on Transunion and XXXX/XXXX with Consumer Financial Protection Bureau on XX/XX/XXXX. ( Please see complaint ID XXXX and XXXX for further information ). As a result of the previous complaints that I had on these companies, XXXX/XXXX did agree to update my status on these closed accounts correctly and Transunion did comply. However, on XX/XX/XXXX as a result to a recent dispute that I submitted to Transunion, they updated all of the accounts from XXXX/XXXX as " Account 60 Days Past Due Date, Maximum Delinquency of 60 Days in XX/XX/XXXX ''. This matter has already been resolved by CFPB and Transunion decided to put this incorrect and misleading information back on my Transunion credit report. Transunion has also violated my rights under FCRA by not telling me within 5 days of the reinsertion of the derogatory information on this account.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Notifed company of possible identity theft due to data breach but now I seeing a lot of inaccuracies on 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 2023-06-03
Company: M&T BANK CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX around XXXX XXXX XXXX  a debt collector ( who did not identify himself ) came to my daughter house. This debt collector has never been to my home to attempt to collect this debt and clearly stated that he new this was a family members house and not my home. He aggressively and repeatedly asked my daughter to call us on the phone and stated she could hear everything! This man harrased my child and part of this is on her XXXX XXXX! I called m and t bank  with no resolve and the manager act as if this was not intentional and Inappropriate actions! I made the manager XXXX XXXX of M and T  bank fully aware I felt harassed and this guy was not a XXXX XXXX driver he was in a regular XXXX! And approaching my daughter home she was very scared and uncomfortable with the entire process! No resolve on there part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am reaching out to you for help with company Nationwide Recovery Systems. They have ignored me and committed multiple violations per Fair Credit Reporting Act. 

PLEASE SEND THE ATTACHED DOCUMENTS TO NATIONWIDE RECOVERY. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citigold account with Citibank in XX/XX/2018. I opened the account due to the promotional offer of opening up an account, completing certain activities and receiving a {$700.00} cash bonus. The activities as advertised on the advert where complete ( 1 ) {$1000.00} or higher ATM card purchase, complete ( 2 ) bill pays ( 1 ) per month for the first ( 2 ) months. 

I completed the ATM purchase on XX/XX/XXXX for the amount of XXXX. I completed the first bill pay on XX/XX/XXXX for XXXX, and I completed the second bill pay on XX/XX/XXXX for XXXX. 

On XX/XX/XXXX I called Citi in regards to the bonus, and they stated that I had not completed one bill pay. Apparently the bill pay towards my Citi CreditCard did not count. When I opened the account, I was not told that any payment to my Citi Credit Cards from this account would not be valid. 

I proceeded to close my account to the fraudulent advertisement that I received.

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