BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ad Astra Recovery Services {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-12
Company: Southern Management Systems Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to be a resident of XXXX XXXX XXXX. But i have already paid my debt or any other amount i have to pay a long time ago. It was their mistake to send them this. Please clear out with them. They will clear this. Actually, XXXX XXXX XXXX have to give me certain amount refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Contacted the debt collector and was advised if I paid off this debt it would be removed from my credit reports. Not only has the collector kept the debt On my credit report. It still updates as if it is not paid and that is hurting my credit I have disputed this transaction with my attorney general of my state. Unfortunately the Attorney General said they have no standing over this case and referred me to you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Law Offices of Les Zieve
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, LAW OFFICES OF LES ZIEVE ( " ZIEVE '' ) involving a debt of property, ZIEVE failed to properly state it 's position/title in the transaction. Require ZIEVE to answer the following questions : In XX/XX/XXXX and XX/XX/XXXX, ZIEVE contacted me alleging a debt was owed.

1 ) Question : Was ZIEVE representing itself as a debt collector? If not state it 's specific title it represented.

2 ) Was the property ZIEVE was attempting to collect a ) Movable Property b ) Immovable Property 3 ) Is ZIEVE the principal party involved?

4 ) Is ZIEVE the agent of a debt collection agency?

5 ) What type of debt/loan was involved? a ) Conventional loan for real estate b ) Consumer Credit Loan such as a home equity line of credit account ( please state the loan transaction ).

6 ) Did ZIEVE record it 's documents of a substitution of trustee in the County Recorder 's Office, Book and Page indicating the transaction was related to real estate of immovable property?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
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: 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. 
1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: OR
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:
I opened a small loan with XXXX in XX/XX/XXXX. I began making payments in XX/XX/XXXX. I made all payments since then on time and for the full amount. XXXX reported the total balance and the first two payments to Experian. After 11 months of payments, XXXX did not reported again. In XX/XX/XXXX XXXX XXXX stop reporting any information to Experian and Experian removed the loan from my credit history. This lowered my credit score by removing the a history on time payments and increased my debt to available credit ratio. They have harmed my credit score when there is ample evidence that I have met my contractual obligations to XXXX, including paying their very high interest rate. The sole purpose o this loan was to build a credit history and therefore increase my score.

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 2021-08-17
Company: BANKMOBILE TECHNOLOGIES, INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I requested that my XXXX XXXX account, offered by BMTX and held at XXXX XXXX, be closed on XX/XX/XXXX. I received a response from the depository institution/marketer on XX/XX/XXXX, falsely dated XX/XX/XXXX. In their response the bank claimed to have initiated a discretionary closure based on suspicious activity. 

The last activity in the account were withdrawals on XXXX and XX/XX/XXXX leaving a XXXX balance. The withdrawals were made in advance of my request for account closure. Both transactions were processed by the bank without inquiry, refuting any claim that the bank found them suspicious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 2022-11-12
Company: Experian Information Solutions Inc.
State: TX
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 have disputed the following accounts with the Credit reporting agencies multiple times directly as well as through previous CFPB complaints! The CRAs continue to state the accounts are accurate without providing the procedure used to verify the accounts. I have also disputed directly with the furnishers of the information and have received correspondence from them that proves the information reflected in my consumer report is not XXXX XXXX  accurate. In some instances the accounts are not reflected completely and is missing valuable information. All the CFPB does is forward the information this company is not performing a thorough investigation into the issues being provided by the consumers! 

The following accounts have been continuously reported inaccurately after being made aware of the errors! 

XXXX XXXX XXXXXXXX ) I will include a CFPB complaint response in which the company clearly states they will have the XXXX delete this account XXXX XXXX XXXX XXXX ) I will be attaching copies from the original creditor as well as the purchaser of this account in which the original creditor states the last payment posted to the account on XX/XX/XXXX and the purchaser of the account is reflecting XX/XX/XXXX. 

XXXX XXXX ( XXXX ) I will be attaching a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor. XXXX reflects XX/XX/XXXX as the date XXXX acquired this account ; the original creditor states XXXX acquired this account XX/XX/XXXX. 

XXXX ( XXXX ) This account is reflecting an inaccurate date of closing for XXXX  XXXX XXXX XXXX is reflecting XX/XX/XXXX as the closed date however XXXX has made it clear the account was closed 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 non-monetary relief
Consumer complaint received 2022-11-12
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
They asked for all of my personal information and my bank info. I uploaded all the required documents. I received an email saying I was declined because they couldnt verify my income. This is blatantly false. I uploaded my pay stubs ( more than required ) and have worked at a major big ten university since 2008. I then called and told them my complaint and they said, despite asking for all my personal information AGAIN that they couldnt discuss it and I should check my email. Which was the reason I called. This business is fraudulent and now has all of my information. I want them shut down for predatory lending, false information, and refusing to state the reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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 have checked my credit report and saw items appearing that I am not aware of. I already have sent a dispute with the credit bureaus demanding to make an investigation and delete these items on my report but I have not received any response and this is a violation of my rights. Below is the item appearing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Credit Control, LLC
State: GA
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  {$2700.00} 2014 XXXX credit card open in with my information as result of identity theft. 
Filed and sent police report and FTC claim to XXXX as well as all 3 bureaus. 
XXXX refuse to acknowledge claim. 
Credit Control is the debt collector that sent out notice. When I disputed the claim the file was transferred back to XXXX Bank for the claim to be denied. One e denied file was reassigned back to Credit Control. I ask company to send me a copy of the original contract so that I can conduct a personal investigation just to keep receiving bill statements. This is causing hardship due to credit denial

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Due to COVID I became delinquent on this account and was no longer able to pay on it. I went with a debt settlement company called XXXX XXXX who entered into a settlement with Capital One to pay an agreed upon amount starting XX/XX/2023. I have been paying on this account and still getting marked with late payments as if the account is opened, yet it is marked as close on their own website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CITIBANK, N.A.
State: MO
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:
I have been a Macy 's credit card account holder for more than 10 years, but hadn't used my card in around a year or more. I was in a store and asked if they could look up my XXXX so I could use the available coupons. The associate said, oh your card is expired, I'll just need a bit of information to re-activate it. This was completely inaccurate, she was actually signing me up for an entirely new XXXX with a new XXXX number. I was actually applying for new credit without understanding that I was applying for new credit. This is a very deceptive practice. If I was informed that I would have to re-apply for new credit I would have declined. This happened in XXXX or XX/XX/2022 at the Macy 's store in XXXXXXXX KS.

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 2022-10-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer is FedLoan Servicing. I am working to achieve Public Service Loan Forgiveness ( PSLF ) on my student loans. PSLF requires 120 on-time monthly payments. Due to low income and family size, my monthly payment was set at {$0.00} from XX/XX/XXXX until XX/XX/XXXX. During that time, I should have received credit every month for on-time payments even though the payment required was {$0.00}. However, on my Fedloan account, I am not receiving credit for about 15 months of {$0.00} payments ( XX/XX/XXXX - XXXX XXXX, XXXX XXXX, and XXXX XXXX - XX/XX/XXXX ). I have contacted Fedloan Servicing a few times about this issue. Each time I call, they assure me that the problem will be resolved and that I should receive credit for those months but, I never do. Each Fedloan employee I have spoken to reviews my account and can see that I have called before and the actions taken by previous employees and they say that " this time '' it will be fixed. It is still not fixed. On XX/XX/XXXX, I was told that my account would go through a qualifying payment review and the process should only take a couple months. As of today, XXXX XXXX, XXXX, a Fedloan employee is still unable to give me any information about the status of the review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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