BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Best Serv Co ( collection agency ) has reported a debt on all 3 credit bureaus after my dispute that the debt was paid many years ago. They are collecting for XXXX XXXX. XXXX XXXX and I had a dispute over product that I paid for and returned. They charged off the debt in XX/XX/XXXX despite my dispute and documentation. Best Serv Co has re-aged this account on my credit report in violation of FCRA Section 605 ( c ). They are showing that the account opened in XXXX. I informed them I did not agree with the account, the balances etc and they just ignored me and now illegally report the debt using strong arm techniques. The account is over 4 years old regardless and past the statue of limitations. It is also being duplicated by XXXX XXXX and Best Serv Co was informed of this. They also just list themselves as N/A on XXXX so that I can not dispute properly

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 2022-07-12
Company: Experian Information Solutions Inc.
State: FL
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 Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : 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 2018-05-15
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received 11 robocalls from XXXX since XX/XX/2018. Finally a human connected today. 
Person identified as calling from " Diversified Consultants on behalf of XXXX ''. 
Asked for my home address and last 4 of my social security number, without explaining why she wanted this info. 
When I asked why, she would not tell me. Nor would she give me the company address. 
I asked to speak to a supervisor. Supervisor XXXX joined the call. Again asked me for my address and social security number. I again asked WHY they wanted this information ; I do not want to provide this info to a telemarketer or scammer. 
XXXX said she would not tell me why they were calling unless I gave them my personal data. 
I refused, and asked for their company address so I could register a complaint with my state. XXXX hung up on me. 
I looked up the phone number online, and apparently Diversified Consultants is a debt collector. 
I have never been a XXXX customer. I don't have television/cable service. 
They never did say why they were calling, nor did they identify themselves as a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto loan with Ally Financial ( Ally ). Ally unlawfully repossessed my vehicle. I never had any late or missed payments. Ally never sent me the legally required notices pursuant to UCC and other relevant state laws. Of the notices i did receive, these notices were late, pursuant to state law. The post-judgement notice I did receive was also defective. I filed complaints against Ally on innumerable occasions, however, Ally attempted to escape accountability. Contemporaneously, a multi-district class action lawsuit was filed against Ally for the same complaints I experienced. Ally knew they were guilty and settled the lawsuit and deleted the unlawful repossession from my credit reports, however, Ally has failed to send my settlement check. I am a member of the class action and did not opt-out. I am legally entitled to my check for damages, yet Ally has breached their settlement agreement by not sending my payment which is meritoriously owed to me. Ally Financial , Inc. class action Ally Financial Inc. v. XXXX Case No. : 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 2022-08-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my card because I wasn't using it and did not want to pay a membership fee for a card I don't use. My balance was XXXX. Spoke to Citibank customer service told them to close the card in XXXX was assured I would get a confirmation # and they never sent one called 2 more times same issue same response but still they harass me with phone calls and messages demanding payment of a membership fee {$99.00} for a card I don't use and haven't used for months with a XXXX balance. Only balance showing is their membership fee. Please help me get them to stop calling and harassing me.

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 2023-01-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
See attachment Other Inquires I didn't authorize 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

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 2022-05-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am a XXXX ( XXXX card ) member of American Express for which privilege I pay and annual fee of {$5000.00} a year. I have been an American Express member continuously since XXXX. In short, I am a good customer. I have 4 American Express credit card accounts and for 3 of them I receive statements and pay them in a timely manner. This complaint is about the 4th account- for which American Express refuses to send me statements and consequently is not complying with the terms of the Fair Credit Billing Act, 1974. The Act requires American Express to send written statements to creditors at the address requested by the creditor. I have provided American Express with my home address and I have requested that statements are sent to that address, but American Express refuses to do so. Section 1666 ( b ) a. of the Act states : " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' American Express has not mailed or delivered statements to me. Someone called XXXX called me from American Express on a recorded line and I requested that statements be sent to me in compliance with the Act, but she refused. Now American Express is threatening to discontinue the use of my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 a 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 non-monetary relief
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the credit bureaus XXXX, XXXX, transunion are reporting incorrect information on my credit report such as names my social i have a social security number on my credit report that doesn't belong to me reporting fraud accounts I need accounts that do not belong to me remove and deleted XXXX XXXX /ACCOUT # STARTING XXXX XXXX DOES NOT BE LONG THE SAME ACCOUNT IS REPORTING TWICE FROM THE SAME CREDITOR THIS NEEDS TO BE DELETED DATE OPEN XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX IS NOT MY ACCOUNT NEEDS TO BE DELETED /DATE OPEN XXXX XXXX XXXX. XXXX XXXX ACCOUNT NUMBER STARTING WITH XXXX XXXXXXXX THIS ACCOUNT DOES NOT BELONG TO ME NEEDS TO BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT THIS NEEDS TO BE REMOVED AND DELETED XXXXI HAVE A SOCIAL SECURITY NUMBER ENDING XXXX REPORTING ON MY REPORT WHICH IS NOT MY SOICAL CREDIT NUMBER THIS NEEDS TO BE REMOVED AND DELETED THIS IS FRAUD EVERYTHING ABOVE NEEDS TO BE DELETED ABOVE OR I WILL BE FILING A LAW SUITE TRANSUNION XXXX.MY NAME IS XXXX XXXX XXXX NOT XXXX THIS NEEDS TO BE FIX XXXX XXXX SHOWING A BALANCE OF XXXX THIS IS NOT MY ACCOUNT NEEDS TOI BE DELETED OFF MY REPORT XXXX XXXX OPEN XX/XX/XXXX THIS IS NOT MY ACOUNT I EXPLAIN THIS I DID NOT OPEN THIS ACCOUNT XXXXXXXX XXXX  XXXX DATE OPEN XX/XX/XXXX THIS NOT MY ACCOUNT NEEDS TO BE DELETED HAVE XXXX ACCOUTS HOW WHEN XXXX WAS NOT OPEN BY ME HARD INQUIRIES XXXX. XXXX WAS NOT INQURIE BT ME THIS IS FRAUD THIS NEEDS TO BE DELETED XXXX. XXXX XXXX XXXX NEEDS TO BE DELETED I DIDNT APPLY FOR THIS XXXX. XXXX XXXX XXXX XXXX WAS NOT ME THAT APPLY NEEDS TO BE DELETED XXXX XXXX XXXXXXXX XX/XX/XXXX NEEDS TO BE DELETED XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXX NEEDS TO BE DELETED XXXX FROM MY UNDERSTANDING IT WAS A DATA BREACH MY PERSONAL INFORMATION WAS EXPOSED AND ACCOUNT NEEDS TO BE DELETED THAT DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BE DELATED XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ADRESS NEEDS TO BE DELETED NOT MY ADDRESS HARD INQUIRIES XXXX XXXX XXXX DATE XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XX/XX/XXXX NEEDS TO BE DELETED XXXX XXXX XXXX XXXXXX/XX/XXXX NEEDS TO BE 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 2022-05-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
When I signed up for the XXXX credit card I was under the impression that when the initial annual interest rate period was up, the interest rate would be raised. Instead the interest rate was added up for each month and the XXXX worth of monthly payments for 1 year was taken out of my credit card and now I am back to the amount it was when I first got the card. It was misleading as I thought the apr rate was simply changing and it would not be added up like interest on the card through the year.

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 2021-10-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
company involve s equifax & the account is XXXX XXXX i dispute in XXXX & XXXX wrong information in my report and after 2 month of disputing this account the did not put the notice of dispute this is a violation of section 623 of FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised to the point someone went as far as opening up and closing accounts in my name ; these accounts are unauthorized and unknown by me. Therefore Im demanding the immediate removal of the following accounts. 

1 ) XXXX XXXX Co {$1100.00} 2 ) XXXX XXXX Co {$170.00} 3 ) XXXX XXXX Co {$92.00} 4 ) XXXX XXXX XXXX {$47.00} 5 ) XXXX XXXX XXXX {$1100.00} 6 ) XXXX XXXX XXXX {$20.00} 7 ) XXXX XXXX XXXX {$75.00} 8 ) XXXX XXXX XXXX {$170.00} 9 ) XXXX XXXX XXXX {$20.00} 10 ) XXXX XXXX XXXX {$35.00} 11 ) XXXX XXXX XXXX {$16.00} 12 ) XXXX XXXX XXXX {$580.00}

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 2022-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to delete the following in my file. the items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report. please delete items as soon as possible. I wrote to have them delete and was denied and I need them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Upgrade, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2021, I received a promotional offer from Upgrade stating that if I applied for their Upgrade Card and meet certain criteria ( use the card 4 times in 2 months ) and I would receive a {$400.00} bonus. I applied for the card and met their criteria but they have not given me the bonus as advertised. I've called and written several times. When I first called they told me to wait until after the 2nd billing cycle which should have been XX/XX/XXXX. The next time I called I was told my account would be credited after XX/XX/XXXX. When I email customer service again I was told they can only respond to me by telephone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a copy of my credit report and I discovered fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The accounts are : XXXX XXXX XXXX / XXXX XXXX  account # XXXX amount {$510.00} XXXX XXXX XXXX account # XXXX amount {$4100.00} XXXX XXXX account # XXXX amount {$4900.00} XXXX/XXXX  account # XXXX amount {$1600.00} XXXX XXXX   account # XXXX amount {$8400.00}

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 explanation
Consumer complaint received 2023-01-29
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid on XXXX with another third party. Nelson & Cruz were no longer the collection agency for the original merchant. I paid XXXX XXXX XXXX on XXXX. I was supposed to receive a letter of confirmation but never did. The charge is also still showing open on my account with Nelson Cruz and Associates, who was removed as the collector. I have reached out XXXX times since then to find out why I still have this showing on my credit report as unpaid. I was told this would be resolved and would be removed from my credit report and I would get a deletion letter to show my lender for mortgage application on XXXX Since then I have not heard anything back. I have called back and left voicemails and no one will return my calls back. This is hurting my chance of buying a house. I need this removed from my credit. Its been over a month since its as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: MN
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:
Dear Experian. XXXX. XXXX I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

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 2023-01-27
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX is the card company XXXX uses to offer financing for their services. XXXX is out of compliance with their card postings. As you can see, my payment was made on XXXX XXXX at XXXX, but the submission to the credit bureau was made on XX/XX/XXXX. According to the CARD Act of XXXX, which is a federal regulation/law, card payments made by XXXX must be posted on the same day. XXXX is breaking a federal law with how their payments are being posted to accounts. 

I am submitting XXXX documentation of my payment history, along with my time stamped payment, which should have been applied on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation