BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Equifax concerning inquiries on my credit report. The two items were : XXXX XXXX ; XXXX XXXX XXXX XX/XX/2018 and XXXX - XXXX XXXX XX/XX/2018. 
Their investigation concluded that inquiries are a factual record. Which I received on report # XXXX after their investigation. They also stated I need to contact the creditor from the information they provided for the creditor. 
The information for XXXX has no phone number and the address letter I sent was returned stating " unable to forward ''. The information for XXXX XXXX states a phone number of XXXX which when I called was not their number. I sent a letter asking for compliance to the metro2 compliance and did not dispute the items but asked if they can verify compliance which they state is true but the above examples clearly show they are not compliance of accurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XX/XX/22 {$1600.00} I have informed this company/firm that I do not owe any debt to them. I have sent them Cease & Desist letters 6 separate times. They have filed a lawsuit against me for a garnishment from my financial institution. I have informed them numerous times that I receive Social Security Benefits and that my entire account is EXEMPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I just spent an hour and XXXX minutes on the phone trying to get an explanation as to why my payment in excess of the minimum payment ( {$2000.00} ) did not apply to the entire balance of my highest APR balance ( Cash Advance APR 28.99 % ). The payment was made on XX/XX/2022 which is before statement closing date XX/XX/2022, and yet the following statement Cash Advance balance was only reduced by {$290.00}. 

Terms explaining how payments in excess of the minimum payment amount are applied are stated in the statement as : " After the Minimum Payment Due has been paid, we apply your payments to the balance subject to the highest interest rate, then to balances subject to lower interest rates, and then to any Plan balances '' The customer service explanation to me was not consistent to the terms put forth ( above ). She explained that the excess amount is distributed among all balances on the account. When I asked in what way, or how is my excess payment above the minimum applied to each balance she was unable to provide any details on this. 

I suspect this violates the CARD enacted by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: HI
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: Was not notified of investigation status or results

Complaint:
They arbitrarily change scores like its stock market and theyre inside traders. This XXXX has been going on for 10 plus years. The 3 credit agencies are as corrupt as you can get. They are XXXX. I have perfect credit yet they constantly rise and lower my score to try and get me to buy other products. I need to XXXX them for a XXXX dollars each to effect change. Do your jobs and go after these XXXX for ripping off 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 2022-03-12
Company: Genesis FS Card Services, Inc.
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:
I paid my credit card in full to make my credit limit fully available. No where on the payment screen or in the terms and condition did it say they would hold the availability of my funds for 14 days. I told them I have proof the payment successfully process on my bank account and still the company didnt want to make my credit limit available to me. The only other option available was closing the account. The reason for my complaint is this is a deceptive practice to put the consumers back against the wall to close out their card. How is it the only option you can offer is to close my card? Have I not been a loyal customer, paid annual fees for years? Now when its convenient to you the company, you want to force me out by not making my credit available after Ive paid in full? I smell foul play and this is not a good practice to have in place with your customers. This needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Risecredit, LLC
State: DC
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:
RISE has reported an account in collection to the XXXX  credit bureau. I have contacted them numerous times by mail requesting validation of this account. They did not provide any details about their authority to collect this debt, a copy of the last billing statement sent to me by the original creditor, or provide a copy of the written agreement that created my original requirement to pay. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Stephen Einstein & Associates, P.C.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am responding to your contact about an alleged debt you are trying to collect. You contacted me by mail 3 times since my cease and desist, letter. XX/XX/XXXX and XXXX and again in XXXX of 2022 without providing proof of this fraud account and alleged debt you proceeded to send me a copy of a bill and that was your proof of identifying the debt as mines is by sending me a computer printout of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: DC
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom this may Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

So I have notice a Number on hard inquires that are completely fraudulent and I have no knowledge of these hard inquires Hard Inquires XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022 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 Trans Union XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fin. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXn

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 2022-07-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: NY
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:
My father and I have social security numbers that are XXXX digit apart and have the same first and last name. 

We have different addresses and different histories but the reporting agencies always have material that ends up on XXXX or the other. I'd like to have his information off my history because it frequently causes problems for backgrounds checks at work. This is the XXXX time this has happened over 15 years.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Personal Statement I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681, THEY VIOLATED MY RIGHTS PLENTY OF TIMES. I DEMAND THE INQUIRIES LISTED BELOW BE REMOVED, ACCORDING TO 15 USC 1681 ; I HAVE THE RIGHT TO PRIVACY, I DID NOT GIVE TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. 

XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account number XXXX XXXX. DEPT OF EDUCATIONXXXX Account number : XXXX 115 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 an account without my written instructions and proof of debt assignment to the Collection Agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

15 U.S.C 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 explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the 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 2023-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I was trying to open up a checking and savings account and i realize that i have damages on my credit report. According to the 15U.S.C 1681 law, there should not be any damages on my report, its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
If your original creditor sold your debt to a collection agency, they also wrote off your debt on their taxes which wrote off your obligations to pay. The dispute reason is contract was canceled. No contract means no lawful or legal obligations have formed between me and the alleged creditor

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 2023-11-06
Company: American Credit Acceptance, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
On Thursday, XX/XX/2023, American Credit Acceptance had XXXX XXXX come repossess my car bc I was behind 3 months. I sent a letter priority mail to the company explaining that they were doing was against the law with the following codes : XXXX XXXX, ucc XXXX XXXX tender of payment ), ucc XXXX ( negotiable instrument ), and XXXX XXXX ( without predjustice ) and explained each one to them. I explained to them that the coupon was a form of payment. On that day about two hours after I got home they came to take my car and I had to pay almost {$1900.00} to be able to get out of XXXX XXXX. XXXX

Company response to consumer: In progress
Consumer complaint received 2022-12-20
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.

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 2023-03-12
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX, an agent for a principal, XXXX XXXX a federally protected consumer, holder in due course, and attorney in fact. It has been brought to my attention that I have been a victim of identity theft. I am aware that my consent is needed to publish any non-public personal information on me. Because I never gave ANY implied consent to furnish anything on my behalf. No consent is alleged identity theft. I am also aware that as a consumer reporting agency, you are obligated to block the reporting of any information [ my personal non-public information ] in the file of a consumer that the consumer identifies as information that results from alleged identity theft. 

Delete and block the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following inquires XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation