BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
Tidewater finance has been reporting inaccurate credit information on my credit report and I have disputed their reporting several times only to get nothing resolved. This company continues to violate law and sabotage my credit reporting causing me unfair credit denials because of their updates it appears that I have a current derogatory account which is false. It is federal law that any interest charged on an account is required to send out a monthly statements and they repeatedly change the account owed on my credit and do not send out any statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers ' rights to access and correct their credit reports. The FCRA also sets rules for how credit reporting companies can collect and report information about consumers. 

In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) announced new rules that would require credit reporting companies to remove certain types of collections accounts from consumers ' credit reports after two years. The new rules went into effect on XX/XX/XXXX. 

Under the new rules, credit reporting companies must remove collections accounts that are : More than two years old Not disputed by the consumer Not listed as paid in full The new rules do not apply to collections accounts that are : Still within the statute of limitations for collection Involving bankruptcy For government debts, such as student loans or taxes If you have a collections account on your credit report that is more than two years old, you can request that it be removed. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB. 

The new FCRA laws about collections older than 2 years are a major victory for consumers. These laws will help consumers improve their credit scores and access credit. They will also make it more difficult for credit reporting companies to keep inaccurate or outdated information on consumers ' credit reports. 

Here are some additional things to keep in mind about the new FCRA laws about collections older than 2 years : The new rules only apply to collections accounts that are reported on credit reports. If a collections account is not reported on your credit report, the new rules do not apply. 
The new rules do not apply to all collections accounts. The new rules only apply to collections accounts that are more than two years old, not disputed by the consumer, and not listed as paid in full.

If you have a collections account that is more than two years old, you can request that it be removed from your credit report. You can do this by contacting the credit reporting company directly or by filing a dispute with the CFPB

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 2021-08-23
Company: Experian Information Solutions Inc.
State: PA
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 checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: DC
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:
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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2019-11-20
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

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 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
I recently received a {$2600.00} prepaid gift card from American Express. I have tried to use it angain annd angain, and it is not accepted from ANY vendor ive tried. The card transaction has declined, or shows as pending for days at a time, online and in stores. In person talking to the merchant, they accept Amex, enter all the details correctly and security codes are correct. They say to request authorization from Amex. Speaking to Amex customer support has taken 20+ hours and they say it has sufficient balance and do nothing. Their recommendation is to try somewhere else. They are unwilling or unable to verify or authorize the transactions, they just say it works. It does not work. 
Doesn't work on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The card is in fact verified and has been checked by support multiple times, when I check the balance, the amount is more than sufficient. 
I've talked to customer support for hours ( including a manager ) and they refuse to give me a refund or tell me where ( if anywhere! ) I CAN use the card. Its worthless and unusable, even though Amex has already been paid for the amount!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I acquired a HELOC which is currently being serviced by Real Time Resolutions. Since I have been with them, they have given me the run around, escalated the remaining amount due, won't validate how they acquired the accounting, given me different people to talk to who had no knowledge of my situation & harassed me with constant phone calls. The loan amount originally locked at $ XXXX & from the time they assumed it, they claimed the balance is {$100000.00} the previous services had a balance of approximately {$35000.00}! I had been paying the previous servicers & experienced financial hardships. We were to execute a Temporary Payment Arrangement, there was to be no interest accrued. I payed the required amount and additional payments thereafter, while continuing to ask them to show proof of their outrageous balance. The TPA was never honored correctly because they continued to show interest accrual, they never documented the payments on the statements so I retained legal assistance to investigate with the documents that I had in my possession. I have names of persons that I had spoken to, notes & dated documentation. Then Real Time became predatory and sent out a letter of threat to foreclose on my property, even though they have 2nd position! My legal aid had corresponded with them since last year, XX/XX/XXXX with only the same run around. They stated in a letter dated XX/XX/XXXX, that the loan matured XXXX but had not sent me a letter of intent until XX/XX/XXXX after the mature date. Then they filed a Default with intent to sell my property XX/XX/XXXX but did not mail out the Notice to me until XX/XX/XXXX per the post mark date & I didn't receive the notices until the first week of XXXX! I started getting phone calls & text messages from investors & realtors to purchase my home that is how I found out. So to date, Real Time HAS NOT complied with the 3rd party authorizations to give up any information regarding their accounting. I had been doing constant research calling various agencies to help me & my family with this nightmare problem, & I came across the HUD Agency USA Homeownership Foundation who immediately started working with me to help as the tentative sale date is XX/XX/XXXX. Please Help, Your assistance with this urgent matter is genuinely appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-04-06
Company: National Credit Adjusters, LLC
State: TN
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:
I sent national credit adjusters a verification letter over a month ago. They did not send anything in return, but they reported to the consumer reporting agencies that its been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: WV
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 am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
On XX/XX/2022, I sent letters to the credit bureaus regarding the inaccurate information that was reported on my account. The letter was requested to validate the XXXX XXXX XXXX XXXXXXXX XXXX account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account. I am still waiting to receive competent evidence that I have any legal obligation by either bureau. I have provided the verification letters I sent to the collection agency that claims I owe this debt and certified mail receipts that have not been responded too. The account is hurting my consumer report. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. I am requesting that XXXX and Transunion remove the account from my credit report immediately.

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 2023-10-26
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:
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 2023-04-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
about a month ago i received an email from ally that my online access is restricted, they asked me to call them which i did, the agent i talked to wasn't nice and ended up hanging up on me! ever since i tried to reach them out but most of times i had the same experience, last time i called was a week ago, the agent hung up after XXXX minutes! 
i raised a complaint to XXXX and i got a response 10 days ago, they told me that they closed my account on XX/XX/XXXX ( they didn't notify me via email or phone ) " On XX/XX/2023, we closed your Online Savings Account ending in XXXX, and the funds in the amount of {$2500.00} were placed in a holding account and will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law '' now im not a big fan of Ally and i really couldnt care less about me being their customer, but i need my money, and i havent received a check from them yet and them saying that my funds will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law isnt answering my concern, HOW AM I SUPPOSED TO GET MY MONEY BACK? the funds were withdrawn from XXXX to Ally, and unfortunately paypal cant help me because i authorized the payments, all i want is my money back! 
upon checking online, apparently this problem isnt new, but most people reported receiving a check after having their accounts closed, i didnt and Ally i refusing to send XXXX or even give me details on how i can get my money which is frustrating, Oh and their XXXX fraud team is definitely not a professional one, i have been sending emails to them via their secure mail system and i never heard back!

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 2019-03-30
Company: EQUIFAX, INC.
State: NV
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:
When I requested my annual free credit report, I submitted appropriate documents INCLUDING a copy of a LEGAL NAME CHANGE. I have since received 2 letters from Equifax requiring that I submit the documentation already submitted AND, despite faxing a request that they UPDATE my name in accordance with that documentation, They refuse to do so. I have prepared a response to the most recent letter and I have that available as a PDF document along with proof of my identity including a copy of the NAME CHANGE ORDER. 
I find their refusal to correct my name in accordance with proper proofs to be insulting and possibly discriminatory as I am a XXXX female and they insist on retaining my DEAD NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They have been sending men out to our house at night to serve us papers. They act like a server and the ppwk is drawn up like federal superior court summons with my name verses the county and this company. When I call the courts there is no such thing in the system. They repeatedly come and knock on our door night after night. We have told them to not come back. We have told them we will call the police. They are using scare tactic and I consider it harassment not to mention its probably illegal. This has happened 5 times over the past 6-8 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've reached out previously about inaccuracies on my consumer report. I am completely stressed and physically ill because of it. I havent been able to work and have lost weight and my hair is falling out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Allegedly I owe on 2 accounts one for {$330.00} and one for {$180.00}. I have been harassed since 2012 about 2 payday loans that were supposedly taken out online with my information. I have disputed these accounts and they always come back as verified but no contract had ever been provided as requested and the original creditor refers me back to the 3rd party. I contacted them recently and received no resolution. I do not owe this debt and still offered to settle in exchange for deletion to get this behind me and they refused. I do not believe they own the debt and think they are attempting to fraud venerable people. Please investigate and help resolve this matter. All of my certified letters have been unsuccessful in disposition. I recently received a contract that did not include my signature after filing with the better business bureau. This is still unacceptable if I had taken out this loan they would have documents with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX has an accurately stated that I have missed payments stating back almost 2 years ago. These statements are inaccurate. I have not missed a payment at XXXX XXXX corporation. I called XXXXXXXX XXXX and was told I had to physically mail in a complaint that would cost extra money that I choose not to spend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: Capital Accounts, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX credit report shows a collection from Capital Accounts LLC for a debt of {$190.00} to a Doctor XXXX XXXX ( eye doctor ) that has been paid in full. 

Capital Accounts LLC claims it is still open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear Staff, today, XX/XX/XXXX I contacted Navient concerning my private student loan and the eligibility requirements for the Navient Settlement. I was told initially, that my private loan was not eligible then, i was told no one could see if my private was eligible or not. I am attaching my loan history to provide evidence that my loan was attained between XXXX XXXX, while attending XXXX XXXX University and University XXXX XXXX, and was delinquent beginning XXXX more than 11 consecutive months, which is prior to the deadline and I have a subprime rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late 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 non-monetary relief