BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove these 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/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; 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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In XXXX, I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with XXXX that was charged off on XX/XX/XXXX.
Since XXXX it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX I called XXXX and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $ XXXX. They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with XXXX XXXX. He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collection has this on debt on my credit report since XX/XX/19. I have done research and this company is not allowed to collect debt in TN. I have not received any debt letter from this collection agency at all. I have seen this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 
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 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 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 2023-05-17
Company: Prizm Financial Company, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am writing because I think your behaviour towards me in trying to collect the debt is unreasonable and could be considered to be harassment. 
Prizm financial has called me numerous times, in fact on a daily basis, despite me asking them to stop repeatedly. They have called my family multiple times with harassing calls despite them also asking for the calls to stop. I make my payment regularly on the XXXX of every month and every month they continue to harass me and my family. 
I am mentally affected by these harassing calls and emails. It is very upsetting and is emotionally draining to be called so many times through out the day and night. 
I have been advised that, under the Financial Conduct Authoritys Consumer Credit sourcebook, it is an unfair and improper business practice to continue harassing me by phone on a daily basis when I have asked you multiple times to stop. They have ignored my contact preferences numerous occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: DISCOVER BANK
State: TX
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:
Discover is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Discover sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract and signatures legally binding me to this debt. 

Furthermore, isn't Discover the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is Discover able to validate this account? 

I am demanding that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 rewards from credit card

Complaint:
I had a a travel credit card with Bank of America for several years. Out of nowhere Bank of America closed my credit card account without notice and without reason. I had a XXXX dollar balance, the card was NOT expired, and was not late on any payments, and I had accumulated a considerable amount of reward points from my purchases. Bank of America not only closed the account for absolutely no reason, but they refused to issue me the rewards points that I rightfully accumulated during throughout the duration of the time I used the card. I will also note that I called and asked why the account was closed and received no answers and also asked if the credit card could be re-opened and they said no! I have a maintained a great credit score, I paid the card on time consistently and I am having difficulty figuring out why this occurred. They were able to profit off of me using the credit card for years, and seemingly once they could no longer make a profit off of me and the account they closed it any valid reason. I wanted to keep the card open and continue to use it, but unbeknownst to me they completely closed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 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 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 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 2023-06-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it may concern I XXXX XXXX XXXX write this complaint for the second time. EXPERIAN is still reporting inaccurate information on my credit report. I sent a personal information dispute letter on XX/XX/2023 via certified mail and made several attempts to call in correct my personal information. I was told it will be fixed within 24/48hours of calling Experian as I looked at my credit report on XX/XX/23 nothing have changed. This make three months my information is still reporting inaccurate. I sent a copy of my ID identification card showing my correct spelling of my name and a utility bill for proof of residency showing my correct address. My name show be reporting as XXXX XXXX XXXX not XXXX XXXX. My should be XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX no EMPLOYER show be lost as asked in my personal dispute letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: World Acceptance Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says XXXX XXXX XXXX,, open on XXXX XXXX got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..World Finance is also on my credit i have tried and tried to dispute this account, but no luck XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2017-07-19
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for the Public Service Loan Forgiveness program and was denied. I took ou t William D. Ford L oans and I have been paying on them  since  XX/XX/XXXX . I have paid for 17 years without missing a payment. I have never been late with a payment s ince I have automatic debit. I work fulltime as an  XXXX  in a   XXXX   XXXX   XXXX   and meet all the other qualifications. I have also applied for the   XXXX   forgiveness program   and been denied because I took out my student loan in     XX/XX/XXXX  o ne semester before the program benefits.   XXXX   University   DENIED the Perkin Loans to the  XXXX  students who were in greater need than the  XXXX  students because our classes were much more expensive. If they had allowed the   XXXX    students Perkin Loans I would have had 100 % forgiveness. What are my options at this point in time after paying faithfully for 17 years. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : AD ADSTRA RECOVERY Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EQUIFAX, INC.
State: AL
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:
There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: DE
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:
Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

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 2017-07-18
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:
XXXX XXXX XXXX XXXX . IS A MULTI- RICO RAQUETEERING CRIMINAL FRAUDSTER XXXX CROOK LIAR THIEF!!! THEY HAVE BEEN PAID FOR THIS DEBT BY THE UNITED STATES TREASURY AND PROBABLY BY INSURANCE ALSO, AND THEY GOT THE NERVE TO SELL MY INFORMATION WITHOUT MY CONSENT IS A VIOLATION OF INFORMATION BREACH!!! THEY ALSO ARE USING FICTITIOUS NAMES WICH IS A FEDERAL FELONY CRIME!!!! I am XXXX XXXX > holder in due course for the XXXX XXXX TRUST ESTATE!!!! I AM ADMINISTRATOR BENEFICIARY AND OWNER, NOT XXXX XXXX!!! do you understand me you criminals??? you already got paid by the united states treasury you liars!!!!! and you sold my personal information!!! you ought to be in jail!!!! XXXX XXXX  IS A CRIMINAL CO-CONTRACTOR TOO IN THIS MATTER USING MY TRUST ESTATE WITHOUT MY CONSENT, I AM OWNER AND ADMINISTRATOR,!! PROVE TO ME I AM NOT!!!

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 2017-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I accessed the Capital One credit card site on the internet to pay my monthly bill as I have always done, there are a number of questions trying to get me to update my income. It will not allow me to bypass it to pay my bill. I called and complained, and they agreed to take it down. Today, I tried to access my account again to pay, and the same questions came up, and not allowing me to bypass it. I do n't want to update my status. I am in the process of paying this credit card off, and have a balance of {$1600.00} on a limit of {$3300.00}. This amounts to harassment as I only want to quickly pay by internet as opposed to paying by phone which is a longer process. When I call by phone, there is always a long wait time. It is as if they are deliberately causing me to waste my time because they know that I am paying them off. I 'm wondering if they are trying to get me to pay by mail, which would then make my payment late and entitle them to their ridiculous late payment fee of {$35.00}. I have  a credit score  of  XXXX , superb, and have been a customer of theirs for years. This is uncalled for harassment and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Torriere Holdings INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX a debt collector by the name of XXXX called me XXXX and left a message. At XXXX that same day XXXX then called one of family members and advised them I have a debt and she called on behalf of a creditor. 

I called XXXX to understand why she was calling me and my family members before confirming whether or not the debt was mine. 

I asked XXXX if I provided the number to the reference she called. 

She said no. 
I didnt confirm the debt nor did I provide any numbers and XXXX reached out to my family by skip tracing information. 

I advised XXXX I am not responsible for this debt and she should not be calling me or more family. 

XXXX was rude and XXXX and I want to be removed from their calling list I also want the company addressed for harassment

Company response to consumer: Closed with explanation