BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) Ability Recovery Services claims that their client XXXX XXXX XXXX ( who they " represent '' ) has bought this debt, so a person would not owe this alleged debt to Ability Recovery Services, their client or the assumed original creditor ; Ability Recovery Services just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave them permission to have my personal information, that is a violation of my right to privacy pursuant to 15 USC 1692a. Furthermore, Ability Recovery Services just admitted to participating in conspiring against my rights with their client, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028, by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Delete this alleged debt from all of my consumer reports immediately and terminate all further collection efforts.

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 2023-09-08
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit 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:
I made a purchase XX/XX/23 for {$490.00} on from XXXX  XXXX XXXX XXXX XXXX XXXX ( multiple company names for some reason ), through Goldman Sachs. 

They are not an accredited educational institution to issue XXXX XXXX XXXX certifications per my employer. I explained this to Goldman Sachs, the provider of my Apple Card multiple times and I am on my third unsuccessful attempt to dispute the charge with them. 

Each time they side with the merchant. The only evidence the merchant has provided is a receipt. Per the Fair Credit Billing Act, I have a " good reason to be dissatisfied with the items and services I have purchased '', therefore my chargeback stands as legitimate. 

On XX/XX/23 after multiple attempts to get this dispute settled, and Goldman Sachs repeatedly declining to rule in my favor, I cancelled my Apple Card and will no longer do business with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: LA
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:
I, XXXX XXXX, a consumer, am submitting this complaint against Equifax and there is no third party involved. Equifax has my personal information inaccurate and incorrect on my consumer report, which is causing great stress. MY NAME IS XXXX XXXX. I do not have any other names or aliases, and I do not wish to disclose any other names or aliases. Unless Equifax can produce or present to me legally authorized evidence to retain much less report these names, I DEMAND THAT EQUIFAX DELETE THEM FROM MY CONSUMER REPORT. Otherwise, you are infringing on my consumer rights. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX, LA, XXXX. I currently have NO OTHER ADDRESS and I do not wish to disclose ANY OTHER ADDRESSES. Therefore, If you are reporting ANY OTHER ADDRESSES I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER REPORT. EQUIFAX has no legal authority to retain these inaccurate addresses on my report, especially without my written consent. IF APPLICABLE ALL OF THE PHONE NUMBERS LISTED ARE INACCURATE AND I DO NOT WISH TO PROVIDE ANY TELEPHONE NUMBERS. I do NOT wish to disclose ANY EMPLOYERS, unless you can produce or present to me legally authorized and verifiable evidence to retain much less report these employers. I DEMAND THAT YOU DELETE THEM FROM MY CONSUMER CREDIT REPORT. The name on my UTILITY STATEMENT is how my name should be spelled. The address on the enclosed utility statement is my ONLY ADDRESS. Included are exhibits to evidence the correct spelling of my name and correct address ( UTILITY STATEMENT ). I DEMAND EQUIFAX TO CORRECT THIS INACCURATE INFORMATION WITHIN THREE ( 3 ) BUSINESS DAYS BECAUSE THIS IS CAUSING ME PROBLEMS OBTAINING HOUSEHOLD GOODS, A PLACE OF RESIDENCE, TRANSPORTATION, AND STABILITY. EQUIFAX is now liable for damages of $ XXXXviolation for Civil Liability for willful noncompliance, which EQUIFAX has failed to comply. This also includes any actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NY
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:
Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, XXXX, Equifax, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: JPMORGAN CHASE & CO.
State: KS
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:
I am enrolled in automatic payments so that I can avoid late charges on my account. During a special low APR period I chose to make the minimum payment on my card because there would be no interest. Now that the trial APR period is over, I wish to make payments in a higher amount than the minimum, but not the entire balance. The online auto payment only gives the  two o ptions : minimum payment and full balance. I feel this is unfair to the consumer, encouraging the minimum payments on the credit card, costing the consumer the maximum amount. I have many accounts that allow a different amount than the minimum or entire balance. I calculate how many billing cycles will be needed to pay the balance and figure the monthly payment. They refused to change the online option and I was told this was standard for all their credit cards. I told them I would be filing a complaint with consumer finance. I feel this is set up for them to make more money and they could easily make this change for their online customers. Auto pay has saved my credit because I am never late on payments. However I also have good credit because I never make minimum payments on high interest credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-04-04
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Spoke to XXXX  XXXX for the XXXX time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX   XXXX   XXXX  contacted me by phone about {$75.00} I owed them. I could not recall the visit and I get a lot of scam phone calls from companies claiming I owe them money. I asked  XXXX   XXXX   XXXX  to send written verification of the debt, which I am sure I am entitled to get.  XXXX   XXXX   XXXX  would not send written proof of the debt but instead turned it over to Frost-Arnett Company, The Collection Company. I am writing to dispute the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells Fargo  has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No  XXXX  was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in  XXXX  of  XXXX  and was done so a year prior to said foreclosure all whil e Wells Fargo  was supposedly working with me regarding a loan modification.  Wells Fargo s eemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed an d Wells Fargo set tled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim  ( p ennies on the dollar ).  Wells Fargo w as also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from  XXXX  with  one  approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in  XXXX  to work with me and modify my home as they should have done back in  XXXX , so what did they do? well they did n't go back to see if i should have been approved back in  XXXX  when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification a nd Wells Fargo fore closed on my primary home selling the home for  XXXX  less than I was looking to pay in a modification.   My latest complaint was forwarded  to Wells Fargo 's Executive Resolution Specialist   XXXX   XXXX , who I immediately identified a  XXXX  a person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision  XXXX   XXXX   XXXX , as I felt his personal opinion was introducing a bias investigation.  XXXX   XXXX  never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace  XXXX   XXXX . Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of  XXXX   XXXX  dollars.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX - US DEPT ED XXXX US DEPT ED 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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Safe rent has sent me a report of my consumer credit report which shows inaccurate residential addresses on my credit profile that has already been addressed and resolved with the major credit bureaus. Safe rent credit profile has pulled residential information from XXXX that is not correct/accurate that should not be listed.

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 2020-03-24
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX complained to NewRez Corp ( my VA loan provider ) that I had received a delinquent tax notification copy of the delinquency notice ( sent on XXXX ), and was asked to send. At that time there was sufficient funds in my Escrow account to pay the total tax bill which had increased from {$3400.00} to over {$3800.00} due to the delinquency. I asked them to immediately pay my taxes on XXXX, XX/XX/XXXX and XX/XX/XXXX. I was sent several notifications that this would be taken care of. When I called and asked why, I was told the tax had already but paid, the amount was still in my Escrow, and again send a copy of my delinquency notice. Then I received a notice of wage garnishment and then contacted them several more times after this. My tax was finally paid on XX/XX/XXXX, but only after 3 wage garnishments had been made, and likely a fourth the upcoming pay period. I am now short {$1600.00} and will not be able to make my upcoming mortgage and will likely have to pay a late fee thanks to their poor service. I have also had to pay the {$480.00} charge for the delinquency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: FL
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:
Safe rent has sent me a report of my consumer credit report which shows inaccurate residential addresses on my credit profile that has already been addressed and resolved with the major credit bureaus. Safe rent credit profile has pulled residential information from XXXX that is not correct/accurate that should not be listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXXXXXX is saying I opened a gym membership with XXXX XXXX in XX/XX/XXXX and did not pay for said membership and this is incorrect. I never opened a gym membership in XXXX or XXXX and they are failing to provide said gym contract or any documentation signed by me. In accordance to the Fair Credit Report act convergent this account violated my rights 15 U.S.C 1681 Section A states I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : 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 non-monetary relief
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone impersonating a Wells Fargo collection department is contacting us to collect {$36000.00} from XXXX XXXX XXXX. 
It looks to be one of our XXXX  XXXX XXXX  but we have not ordered anything in that amount and are up to date with our payments. 
Our company name is incorrect on the invoice and the number that says to call about your account is XXXX, XXXX XXXX XXXX Who looks to live in the XXXX via 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 2023-03-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am filling a complaint against Jefferson Capital Systems , LLC. I do not have a blue, wet ink signed contract with Jefferson Capital Systems , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Previous to today, I have never communicated to Jefferson Capital Systems or had any verbal or written communication. I was notified by a past employer that Jefferson Capital Systems , LLC had repeatedly called my past employer. My past employer reached out to me and informed me yesterday, XX/XX/, of the incidents. 
Jefferson Capital Systems , LLC have violated the Fair Debt Collections Practices Act that protects consumers from harassment and privacy violations by bill collectors. Jefferson Capital Systems , LLC has violated these sections of FDCPA ; 15 USC 1692c 804, 2 ,3. Acquisition of location information, 15 USC 1692d 805a. 15 USC 1692d 805a, 3. 15 USC 1692d 805b., 15 USC 1692d 805, 15 USC 1692f 807,11. 15 USC 1692h 809. Validation of debts, I have not given prior consent of, me, the consumer given directly to the debt collector, or the express permission to communicate to a present or past employer. However, Jefferson Capital Systems , LLC has contacted a past employers and spoken to them, then disclosed that I supposedly owe a debt and they are trying to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like for the company to honor my request of dispute from the XXXX Forbearance program by removing/deleting the late payments that were reported during the time of XXXX Pandemic. 

Due to XXXX forbearance program regulations it states that no late payments are to be reported to the financial credit bureaus during the time of XXXX forbearance period. I have late payments on my report I want removed because I am a victim of a XXXX and legally you should not have put it there. 

REMOVE LATE PAYMENT UNDER XXXX FORBEARANCE PROGRAM : XXXX. XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX of listed Unfair late payments and Unfair Charge Offs Dates : XXXX Unfair Late Payment XXXX Unfair Charge Offs Last XXXX Digits of XXXX DOB : XXXX XXXX The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

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 2023-04-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX DATE ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS. THIS IS FRAUDULENT ACTIVITY REPORTING ON MY CREDIT FILE I DID NOT CONSENT TO THIS ACT OF FRAUDULENT ACTIVITY I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation