BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MI
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. Account name:XXXXXXXX XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, 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 2022-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX and XXXX are reporting correct account but EQUIFAX HAVE FAILED TO DO SO I am requesting for my account be added onto my credit report i am sending report from XXXX and XXXX of the account that is not reporting to equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I received a preapproved mail offer for a $XXXX loan from Big Picture Loans. I didnt agree with the conditions so called to clarify. I asked if I could pay off the loan early ( a week later) to keep from paying the whooping 2000% interest. The CSR told me yes and to call back on Friday XX/XX/XXXX to pay off XXXX. I called back on Friday to pay the loan and was told I couldnt pay the loan until XX/XX/XXXX and to call back at that time. I called back on XX/XX/XXXX and was told it was to late to pay off the loan because a payment had been processed for XXXX. I explained to at least 2 CRS's what I was told and what I was willing to do to prevent having to pay 2000% interest and was told I should have called back before XXXX cst. It was XXXX est when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made multiple attempts with the Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agency regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically OFFICE ATTY GENERAL XXXX XXXX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT AS XX/XX/XXXX EQUIFAX XXXX LAST ACTIVE DATE AS XX/XX/XXXX LAST PAYMENT XX/XX/XXXX XXXX XXXX AND EQUIFAX XXXX HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS.

They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy.

15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION!

15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. 

XXXX AND EQUIFAX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 have an account with Credit acceptance for an auto loan that Im behind on payments. Credit acceptance is reporting this account twice to XXXX XXXX it appears I owe twice as much as I actually do. I have disputed this matter with XXXX several times and the results have always come back as accurate. I have contacted Credit acceptance to dispute this matter but there agent was more concerned about me making a payment. The XXXX agent I spoke with confirmed that this account is reporting the exact same information on both accounts

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 called the closed student accounts with XXXX and XXXX XXXX about how accounts with them were reported. The XXXX representative stated he had only one account for me and I told him multiple accounts were showing up. XXXX XXXX informed me they only had one account for me and I informed them multiple accounts were displaying. I never gave these companies written or verbal permission to report anything to consumer reporting agencies.

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 2021-04-15
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice from Aldridge Pite Haan ( APH ) in regards to a past due debt owed to XXXX XXXX on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with XXXX XXXX. My wife, XXXX XXXX, called APH on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who APH and XXXX is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to XXXX who purchased a charged off debt from XXXX XXXX on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a XXXX - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX  is no longer pursuing this item for collection. 

XXXX XXXX did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to XXXX was from their servicer, APH who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a AMEX XXXX card which had a small balance of around {$4000.00}. 

During some software update pushed to me by AMEX all of my payment notifications were turned off. 

I have never turned any of my payment notifications off in prior 4-5 years, ever. 

I explained what happened to AMEX and at first they attempted to say it was I who turned off the notifications. I proved that I use biometrics to login so only I or they could have changed it. I also said that I believe one of their software updates, may have been the culprit but either way I was not responsible for any changes to my notifications and therefore should not be charged any fees or penalized. 

I believe being caught they then magically removed the late penalties. 

They then froze the rest of my accounts that are either XXXX or current out of vindictiveness. 

I spent 14 hours of text messaging with numerous folks and finally got a person who agreed to upon full Platinum card payment balance all my accounts would be restored to their original status. 

Amex agreed. 

Also to remove any current or future penalties, credit report issues ( which they threatened me via email. ) Amex agreed. 

Upon payment the other unrelated accounts were restored, the platinum account still had a late payment notice although a XXXX balance. 

I text to them please restore my account per our agreement last night it still has a late payment notice although it is $ {$0.00}. 

Then he asks a curious question, " what do your future spending plans for this? '' I said, '' I don't know and I don't want to deal with this now I just want the account restored to its original state per our agreement last night. '' The the amex messaging app died again ( you have to constantly refresh Amex 's messaging app or your will miss parts of your message stream ) The only part I initially saw was " Great everything has been fully restored, your message should go away in about 1-2 days '' The part I didn't see is where doing the messaging app refresh the guy arbitrarily sets my limit to XXXX although I told him no and that that wasn't part of our agreement. 

Luckily, a few minutes later I went back through the full messages where he changed it right after I told him no. 

I go back to the messaging app and tell them that that guy arbitrarily set an amount from his head even after I told him no and that that was not a part of our agreement. 

They've been paid in full and I want my credit restored to it's original form as per our agreement. 

Unbeknownst to them I have documented all of this, and can prove every point, including now that AMEX does make unilateral decisions about peoples credit and account without their permission or in this case when they are told no.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15
Company: Amsher Collection Services, 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:
A creditor XXXX XXXX XXXX  erroneously reported a false account under my name to AMSHER Collection Agency who reported me to all the XXXX credit agencies resulting in a negative remark on my report. I have never used the XXXX XXXX XXXX  and I was never notified by the above mentioned collection agency. I called XXXX XXXX who admitted the error and XXXX XXXX was willing to credit back and close the account but XXXX XXXX was unable to do so because the account was already in collection. I reached out to AMSHER collection agency who have never notified me about their actions and they have already sent my case to XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the account with all the three credit agencies and with AMSHER and the attorney office. XXXX and XXXX completed the investigation and concluded the account was reported in error and deleted it from my report but unfortunately XXXX did not perform accurate investigation and continues to have this account in collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity was stolen in XXXX. 
Discover Card allowed and facilitated this identity theft by not verifying that the applicant was not an impersonator. 
I have disputed this with the creditor, but they have their information mixed up and not accurate and they are misrepresenting the facts. 
Such as they claim that i first contacted them to report the theft on XX/XX/XXXX. 
I have a letter dated XX/XX/XXXX, stating that they deactivated my account due to lost or stolen card and they were going to issue a new card! 
I also have a letter from discover dated XX/XX/XXXX, stating that they have started an investigation for identity theft. 
NOT XX/XX/XXXX as they have also misrepresented. 
Discover states that the investigation was completed on XX/XX/XXXX and that the fraud had been removed. 
I have a letter from Discover dated XX/XX/XXXX. The letter states that upon review of the facts of the case, we determined that unauthorized charges have occurred on the above referenced account. The account has been credited these charges and your valid balance has been transferred to a new account. This is another misrepresentation of facts and Discover also lied because they did not remove ANY charges for anything. 
Discover also states that i contacted them on XX/XX/XXXX and provided additional information that caused them to reverse their decision. I have a letter from Discover dated XX/XX/XXXX that states the account is being investigated pursuant to an allegation that it was established fraudulently without your knowledge or authorization. 
Discover Card has not provided me proof that they have a valid application for credit. And their information is inn accurate concerning their investigations!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: TX
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 with the Fair Credit Reporting Act XXXX networks Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I contracted with the Bank of America for a credit card and was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). 
I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.

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 2022-03-05
Company: Experian Information Solutions Inc.
State: NV
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 convergent account # XXXX, ( XXXX XXXX bank ) has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( LVNV Funding , LLC v. Trice, 952 NE2d 1232 ( 2011 ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 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 response to consumer: Closed with explanation