BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted Standard of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, Experian must report any allegations with the greatest compliance and accuracy possible. Experian should not report any claims that they know or should know are not in compliance with regulations and the law. I am writing to inform you that Experian needs to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that Experian provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving Experian 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize Experian to take steps to correct my credit and send me physical proof of their actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. On XX/XX/23 I sent Experian a detailed complaint by certified mail explaining all violations which is attached to this complaint. I also included a copy of my driver 's license, social security card and utility bill.

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 2024-01-24
Company: CCS Financial Services, Inc.
State: PA
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:
CREDIT COLLECTION SERVICES ( ie : PROGRESSIVE INSURANCE ), is in violation of multiple laws set forth by XXXX in regards to the following account # XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CREDIT COLLECTION SERVICES ) shall not furnish any information relating to a consumer ( ME ) if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, per the FCRA as a federally protected consumer, I am now OPTING OUT of any and all authorization I the consumer may have given you, WRITTEN, UNWRITTEN, VERBAL AND NON-VERBAL per, { 15 USC 6802-6805 } effective immediately & indefinitely. I have enclosed with this complaint screen shots of 15USC 6802-6805 and 6809 to substantiate my claims. Further, CREDIT COLLECTION SERVICES must HEREBY BE PUT ON NOTICE that they are furnishing incorrect inaccurate information. In CREDIT COLLECTION SERVICES terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX XXXX XXXX are not affiliates of CREDIT COLLECTION SERVICES nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions 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:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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:
BECAUSE OF THE CLASS ACTION LAWSUIT AGAINST [ XXXX XXXX XXXX ]. 
2. DEFICIENCY WAIVERS : XXXX IS REQUIRED TO FORGIVE THE REMAINING BALANCE ON CERTAIN CAR LOANS FROM XXXX TO XXXX. ALSO XXXX WERE TO REQUEST THAT THE LOANS BE REMOVED FROM CONSUMER ' CREDIT REPORTS. XXXX VIOLATED CONSUMER PROTECTION LAWS BY EXPOSING SUBPRIME CONSUMERS TO UNNECESSARILY HIGH LEVELS OF RISK. ( PREDATORY LENDING PRACTICES ). THIS REPO SHOULD NOT BE REPORTING TO MY CONSUMER REPORT ACCORDING TO THE UCC.

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 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Date : XX/XX/2023 MY Name : XXXX XXXX my Address : XXXX XXXX XXXX, XXXX, GA XXXX Contact Information : XXXX Company Name : American Express Company Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX : On XX/XX/2023, I sent a remittance coupon to American Express to apply a payment to my account. The coupon was received by American Express on XX/XX/2023. However, American Express has failed to apply the payment to my account. 

I have contacted American Express customer service multiple times to resolve this issue, but they have been unable to help me. I am concerned that American Express is engaging in securities fraud by failing to apply my payment to my account. Additionally, American Express 's XXXX form states that the company has a responsibility to respond to debt inquiries promptly and accurately. American Express has failed to meet this obligation in my case.

In my statement it all states your statement and must be received by XXXX XXXX. local time at that address to be credited as of the day it is received. Payments we receive after XXXX XXXX. will not be credited to your Account until the next day. Payments must also : ( 1 ) include the remittance coupon from your statement ; ( 2 ) be made with a single check drawn on a US bank and payable in US dollars, or with a negotiable instrument payable in US dollars
and clearable through the US banking system ; and ( 3 ) include your Account number.

UCC Codes : UCC 4-207 ( a ) ( 2 ) : A payment is final when it is received by the payee.

UCC 4-209 ( a ) ( 4 ) : A payee is obligated to honor a payment if it is made in good faith and in accordance with the terms of the payment instrument.

UCC 4-402 : A payee is obligated to refund a payment if it is not applied to the correct account.
Remedial Action Requested : I request that American Express immediately apply my payment to my account and provide me with written confirmation of this action. I also request that American Express compensate me for any late fees or other charges that I have incurred as a result of their failure to apply my payment. 

Account number ending in XXXX amount sent {$23.00} Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CT
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:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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 2023-11-24
Company: Central Portfolio Control Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, I got a notification from XXXX XXXX that my XXXX score has changed, when I double checked it through XXXXXXXX, it showed that Central Portfolio Control Inc has reported a medical bill to credit bureaus which has negatively affected my credit score immensely. I have not received any written notice, voicemail, or even an email regarding this bill. I was never given proof that this debt exists and I never had the opportunity to have this debt validated. I also never consented this company to have any information about me or my medical records. I have every right to be informed in writing and given ample time to look into this before such drastic action was taken against me. I have a very good credit history and this is the first derogatory mark in my record. This wouldn't have happened if Central Portfolio Control Inc has done their due diligence to inform me of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource management is attempting to collect a debt for XXXX XXXX XXXX. I am a current customer of XXXX XXXX XXXX with a current, paid, up to date account. This was reported to my credit reports on XX/XX/2023. This debt is not mine!!! I have requested verification to be sent to my current address, and it has not been sent since my request on XX/XX/2023, which leads me to believe it has been sent to an address that is not mine. I am a victim of fraud and it is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Leased a XXXX  XXXX XXXX at XXXX XXXX in XXXX, WI which was a DEMO driven by the Manager at that time. 

I am not disputing all charges except for the following : 1. Wear and tear charges totaled {$750.00}.

2. There was not a 12 '' crack in windshield when turned in 3. License plate holder in front was not there when picked up {$91.00} ... for a {$5.00} part!

4. Scatches in rear bumper were very small and were there along witth a few others The disposition fee should be waived, leasing of new vehicle was from dealership owned by same owner {$390.00} not told about this plus loyalty to dealership Dealership was to send in over mileage fee of {$750.00} has not been received

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: M1 Holdings Inc.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX as XXXX XXXX XXXX  closed my checking account # XXXX that I paid annual membership oremium fee {$120.00} for this account. I tried to resolve with this financial institution for a partial refund of the M1 Plus membership annual fee since they shut down my checking account without my agreement. 
M1 Customer Service refused to refund a partial unused membership fee for several months after the checking account was shut down earlier before the annual membership expiration. 

I do not appreciate their lack of liability, unethical practices, and corruption with membership fees that they shut down my checking account and did not refund partial premium membership fee I paid for and the membership was unused and not completed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16
Company: LoanCare, LLC
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:
I SENT A NOTICE TO OPT OUT AND REQUESTED FORM TRUST AGREEMENT AND CONSUMER CONTRACT.THEY NEVER PROVIDED ANY CONTRACT THAT LIST THEM LOANCARE OR XXXX AND I XXXX XXXX .IN ADDITION TO THEIR LACK OF DOCUMENTATION I WAS NEVER PROVIDED DETAILS TO OPT OUT AND NEVER AGREED TO DO BUSINESS WITH THEM. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to you written, un-written, verbal, and non-verbal per 15 USC 6802. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting effective 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 explanation
Consumer complaint received 2024-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed several complaints with BofA in regards to my never receiving their debit card for my Edd benefits. Intially I was denied so I never followed up. I applied for welfare and they advised me to double check with BofA I did and they had approved XXXX claim, mind you its 2 years later. They had me refile 5 others : amounts {$19000.00}, {$9600.00}, {$1500.00}, {$1000.00} and {$300.00}. I filed these claims on XX/XX/XXXX. I was not provided any type of provisional credit until the day they completed their alleged so called investigations. XXXX XXXX  & XXXX That is when they posted all of the amounts but the larger one and the smallest. Ridiculous!! I NEVER received my card or any money back when i originally applied. If I had maybe i wouldnt have ended up living in a tent on the side of the freeway. Now to insult me like I am an XXXX and honestly they are doing the same to your company. Thinking Ill be happy w some of the money. They can with hold what is mine. They have put me through the wringer. My debit card is temporarily frozen everyday. Which means calling and verifying each transaction literally each and everyday, then there is the calls and hold times, wait times. 
Funny their documentation says they received and denied my claims on the very same. Its infuriating to be treated like an XXXX. 
In addition I still havent received the check for XXXX that they sent to the address that stole my original Edd bofa debit card. Why would you continually send things to address where I have and am telling you stole the tenants card? Strange if you ask 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 monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following ACCOUNT you are reporting concerning me is inaccurate and/or incomplete : 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 2023-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 2023-12-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I disputed multiple charges from my checking account with Truist Bank, haven't received any documentation from Truist. The charges that I disputed, Trusit hasn't blocked the company from taking my money. 

I have reached out for new debt cards and still haven't received them.

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