BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Colony Brands, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered XXXX gold plated necklaces. XXXX herringbone and XXXX gold rope. The both were supposed to be real gold plated. The change my neck and {$600.00} XXXX shirt blue. They both are not real. I called and in XX/XX/XXXX to file a complaint and insurance claim. They did not start my insurance calling until XX/XX/XXXX. They are saying it will take XXXX weeks for the insurance department to investigate and contact me which is completely unjust and unfair. I would like this issue to be resolved immediately and a full reimbursement of my {$600.00} for my XXXX shirt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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:
This is in reference to the consumer report sent by your company via electronic form through Equifax, XXXX and XXXX. While checking the above report, it came to my notice that your company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ) the term XXXX means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 


Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: NV
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
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, this creditor, XXXX  account number : XXXX has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor maXXXX not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

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 2021-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I WAS NEVER notified of the DEBT, I ONLY FOUND OUT AFTER I SAW IT ON 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 explanation
Consumer complaint received 2023-11-08
Company: Seattle Service Bureau, Inc
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Since XX/XX/2023 I have received a number of calls from XXXX XXXX at National Service Bureau. He has threatened license suspension, despite the agreement and conditional release that he and I have agreed upon and that has been sent to his office and the State of Tennessee DMV. He has been extremely uncooperative and abusive. I have made the initial payment, as requested and he is trying to throw every trick in the book to ensure that my license is revoked DESPITE the fact that the agreement is signed and notarized. He has been rude and unruly and has made an excessive amount of calls to my phone disrupting my work hours even though he has been advised of my work schedule. I just want to pay my debt as we agreed without be harrassed and abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: GREAT LAKES
State: CA
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 am currently making payments of {$20.00} per month under the XXXX XXXX XXXX XXXX. Starting next month in XXXX my payment will increase to $ XXXX {$200.00} per month an amount that I can not afford to pay being on a fixed income. I called Great Lakes on XX/XX/XXXX around XXXX XXXX to try and get some assistance on my payment. I was told that I do not have any options and that I have to try and make the payment once it changes. I feel that Great Lakes is doing nothing to help me when financially I will be struggling to make the payment starting next month in XXXX. On XX/XX/XXXX, I filled out and faxed over the XXXX XXXX XXXX so I can begin forbearance XX/XX/XXXX and end it XX/XX/XXXX. I would still like this request to be APPROVED so that I can figure out a plan to be financially ready to make higher payments based off what I can afford. I filed a complaint against Great Lakes before last year on XX/XX/XXXX complaint ID XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: EQUIFAX, INC.
State: OH
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 have identity theft on my credit report and the ONLY 2 accounts that should be on my report is XXXX XXXX   and car loan i did not apply for any accounts for XXXX XXXX nor XXXX XXXX nor XXXX XXXX I do not have inquiries for those companys if these are not removed im taking this up to OHIO ATTORNEY GENERAL please remove all these accounts from all 3 beureaus As i have a police report on file. this is dinging my credit i have called numerous times about this to the lenders and i have disputed it numerous times its not fair that im being responsible for stuff thats not mine!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.

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 2023-07-26
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
SEE ATTACHMENT

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 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I purchased a year subscription on XXXX XXXX XXXX XXXX for {$32.00}. It was an AI app to use the premium features. After purchasing it kept asking to make another same payment. I thought my original payment never went through thats why I could not access the service. I checked the next day and I see the charge on my account so I again tried to log in and use the service and same thing it asked me to make a {$32.00} for the year subscription. I tried to contact the app customer service to resolve the issue but I never got a response. So I contacted the credit card company Capital One and reported the issue and asked to reverse the charge since I never used the app nor received any response from the app to refund my charge. I received the credit back on my card however, End of XXXX they reapplied the charge back to my account for a service I never received and the vendor will not respond. The case number filed with Capital One is XXXX. I do not know what to do since Capital One reapplied the fee and the vendor is none responsive and for a service I never received and have no access to. I followed the instructions on the dispute letter and never got a response from Capital One. I mailed the response per instruction, sometime in XXXX, I do not have a fax which was another option. I do not know why they make it so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This is the SECOND complaint to your office regarding a dirty sale of a vehicle to me from XXXX XXXX. 

I purchased a used vehicle from XXXX XXXX in XXXX, Arkansas in XX/XX/XXXX. The finance department never disclosed the annual percentage rate or the monthly payment as a tactic of high-pressure sales. 

I tried to do everything to reverse the transaction but could not. On XX/XX/XXXX, the vehicle was repossessed and Ally Bank tried to garnish my bank account. Ally Bank hired XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to sue me for the remaining balance. The balance was just over {$8000.00} dollars. The case was thrown out of court XX/XX/XXXX. I have been on XXXX since XX/XX/XXXX. My XXXX checks are not enough to get me through the month so I must rely on SNAP benefits. My mother used to help but she died XX/XX/XXXX. 

This week I received a letter from XXXX XXXX XXXX XXXX XXXX. They were hired by Ally Bank to collect what I could not afford the first time they took me to court. I have attached their letter and a print screen of the court case and the outcome. 

I am not in good health and was not when I was conned by XXXX XXXX to purchase their vehicle. This bank must acknowledge that I was not and will not ever be able to pay them. Ally Bank needs to get whatever money from the dealership who begged them to finance the loan. I have lost thousands of dollars because of XXXX XXXX and Ally Bank. This needs to cease, as it is getting out of hand. My mental health can not take any more of this harassment. 

Please see the attached documents.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/ I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this debt collection agency AFNI a debt validation letter I believe on XX/XX/2023. They never responded per the FCRA they have to remove this debt I say I owe off my credit for failure to respond to the debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Started an account with Binance.us ( Bam trading services ) for trading Cryptocurrency and initially invested {$1000.00}. After their initial verification process and setting up my chase bank account I proceeded with a deposit of {$1000.00} through their online mobile app using my XXXX. The first try to initially deposit the {$1000.00} on the Binance.us app message showed failed and to try again later in which I did as many as 5 times total. At that time I gave up trying to deposit and logged onto my chase account only to discover that all 5 transactions actually went through leaving my chase account in default. I then called chase to stop and reverse these transactions which they did and that caused Binance.us to reach out to me to correct my account which I did. Later on that month I started to make multiple smaller deposits from my chase account which went through and was able to make investments into buying cryptocurrencies up until about XXXX and then started receiving deposit failure messages again and could not deposit or withdraw from my account but it would allow me to trade cryptocurrencies for others. I've submitted many request to Binance.us to fix my account only to receive an automated standard response to guide me through steps in order to help link my chase account again. After many attempts to delete and re-add the App and even log onto my account from an actual computer as well as every step requested by them through email to me I still can't deposit or withdraw from the account. Also to make matters worse I'm getting emails from them about tax statements available for this account which I can't even get into to deposit or remove from so now I'll have to pay taxes on an illusionary account that I can't even withdraw from. I also attempted to leave their exchange and remove coins to another exchange in which that was blocked also from withdrawl. At this point since they have no customer service number and only give automated email responses I don't know what else that I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ 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

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 2023-02-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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