BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing a complaint against ALDOUS and associate, I am aware they are currently gathering their " VALIDATIONS '' together to present to me although I know this is a stall tactic because they had two times prior to show what they had if they had it proof of validation. In addition, they are in violation pursuant to 15 USC 1692g ( b ), they are supposed to cease to collect and remove from report until further notice. They are causing damages by having a collection on my consumer report. Congress states Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. { 15 USC 1692g }. This is also considered identity theft and as a consumer I have privacy. I will be taking an additional action very soon. according to 15 USC 1692k ( a ) ( 2 ) ( A ) PAY ME {$1000.00} AND DELETE OR I WILL TAKE THIS FURTHER. I CANT OBTAIN ANY CREDIT BECAUSE OF THIS COLLECTION ON MY CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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: Information belongs to someone else

Complaint:
This account is fraudulent and all my information was used & stolen online, some information isnt verified by me to open this 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: NY
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 spoke to experian several times and disputed and they have been using stall tactics. I even had an cfpb agent on a 3way call because they playing games when it comes to my utilization. I only have XXXX credit card open with a limit of {$800.00} and a balance of {$55.00}. So my utilization should be 7 %. Experian has been willfully reporting inaccurate information I called them out on it and letting them know that I only have XXXX  account opened and the rest are closed accounts. I explained that you can't apply closed accounts to my utilization and they are about to fall off my report. They had me back and forth on the phone and then I gave them all my info they said that I am not verified. I said I just spoke 2 agents completely fine. I am writing to occ to make a complaint because I am tired of the abuse from these people. The banks are depending on them to report accurate information. That is experian grave responsibility. I need this fixed immediately. I'm not looking for 60 day to be fixed. They already did not follow up with a dispute when I called in. I enclosed all the accounts that they are reporting and only one is open which is correct and they can see I only have XXXX  account open. The rest attached are closed ad they should.

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 2020-11-11
Company: CBC Companies, 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: Credit inquiries on your report that you don't recognize

Complaint:
I periodically check my credit profile and noticed several inquiries that I don't recognize. Please remove the following off of my XXXX  File : FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: GA
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:
On XXXX XXXX I found National Credit systems on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was browsing the various options for products on credit karma and viewed a product for a title loan with a company called XXXX XXXX XXXX. I was simply looking because it had said I was pre-approved for a loan so I was simply curious about what I'm currently eligible for since I am trying to raise my credit to purchase a home. I did not authorize any formal request and did not authorize for any company to check my credit. A few minutes after leaving the page, I checked my email only to find a notice of denial for credit from a company called " Net Credit ''. I sent an email to their support team advising that I made no such request, and that I would like my information removed from their files. I am filing a formal complaint because this was not even the company who's product I was viewing, nor did at any time did I request any product from any company that would require a credit check. XXXX XXXX should be made aware of these shady products on their site where simply clicking on a pre-approved offer lands you with a hard inquiry on your report by a company you've never even heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: DISCOVER BANK
State: MD
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:
Went through the XXXX to begin the process of applying for a Discover XXXX credit card. During the application process, before I could submit the application the app proceeded to the next page. It also asked me to acknowledge the terms and conditions which I didnt. I called Discover To report the situation and to see if they could remove the hard inquiry. I was transferred to multiple representatives and by the time I reached the last representative I was told they could not remove the inquiry and that the application went through after I acknowledge the terms and conditions. I explain to them how I never selected anything and that there mustve been a technical error. The third representative admitted that it was likely a technical error and they were going to report it to their IT department. They told me they can not remove the inquiry and that they would have to open the account and close it within 48 hours although I rejected the application. They told me to contact the credit bureau XXXX which I did. However XXXX told me that you can not dispute a hard inquiry with them that the creditor must contact them to request to be removed. I explained I was handicap and this is difficult for me. Discover is refusing to remove the inquiry and they are also refusing to not have the account appear on my credit report although they met that it could be a technical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is the second time this has happened since  XXXX . My unpaid interest was capitalized because FedLoan Servicing, the company managing my loans, did n't " receive my documents in time '' for Income-Based repayment.     In  XXXX , I began the recertification process on  XXXX   XXXX , sending documents to FedLoan Servicing. I was never told what date I needed to recertify by. So I started the process when I got an email telling me I should. I was told they did n't get them in time because they are so busy, so my unpaid interest was capitalized on  XXXX   XXXX . My balance jumped from  XXXX  to  XXXX . My next months payment was {$1000.00}. Then my plan would continue on Income-Based repayment the following month.     This year, I sent in documentation on  XXXX   XXXX  after receiving an email to recertify. I was emailed on  XXXX   XXXX , told my recertification was " on hold '' so I called the company. I was told that due to an error when I filled out the digital paperwork ( following the instructions on their website ) my recertification was on hold. And that it would n't make it through on time due to FedLoan Servicing being behind schedule. My interest would capitalize and my payment would be {$1100.00}. My balance is now {$110000.00}. And it is through no fault of my own.   Again.
This is unacceptable. I work hard to pay what I can afford and am being pena  lized unfairly by a company that has no interest in resolving my debt, but is more than happy to increase it. Even when it is due to their own negligence.     Because the scenario that is playing out is this. I pay what I can afford because my job does n't pay me much as I serve the public. But the unpaid interest that accrues is substantial because my job is n't as lucrative as it is beneficial to the community. FedLoan Servicing is incentivized to fail at properly scheduling things. It is incentivized to put my paperwork on hold. As any delay in the processing of my rectification means an increase in the principle of my loan. The higher the principle, the more interest they can collect. They know that I 'm struggling to keep up with my principle and interest payment, so they know I will accrue more unpaid interest. And, FedLoan Servicing is again incentivized to slow down the processing of my paperwork to, again, capitalize my unpaid interest. That means they can charge me more.     The proof is in my principle inflating from {$99000.00} in  XXXX  to {$110000.00} in  XXXX  despite regular on-time payments, multiple extra payments, and following instructions laid out by FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX I found XXXX XXXX XXXX  on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-02-02
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX XXXX  I received a phone call with caller ID from Citigroup. The representative told me that Citibank noticed some suspicious activities in my XXXX accounts. They have mentioned that they saw two transaction with {$500.00} and {$990.00}. I told them I did not authorize these transactions. 

The Citi rep then said he needs to transfer the call to XXXX to help. The call was transferred to a XXXX rep and he told me to set up payees name as XXXX then type in case ID XXXX then send {$500.00}. He said in this way, XXXX Supervisor will able to see the amount with case ID then reimburse me back. He asked me to do separate XXXX for the {$990.00} with {$390.00} and {$600.00} each. After I did that, he said he made a mistake and need to bring on his supervisor to fix. His supervisor asked me to send {$1400.00} which is XXXX. After that, he said it is over their daily limit and in order to get all money back, I need to split the payment into {$1600.00} and some other amounts. After I sent another {$1600.00}, I noticed all the money left my Citi accounts. I finally realize this may be a fraud. I called Citibank from another line and they told me this is a fraud while I was on the phone with XXXX. 

Citibank then started fraud investigation. 

On XX/XX/XXXX, Citi informed me that since I authorized these transactions, I need to contact the receipt to get money back. 

My understanding is such fraud is covered by Regulation E and I should get my money back except {$50.00}. 

Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX ID XXXX XXXXXX/XX/XXXX {$390.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  ID XXXX Please help me with this fraud. You can see Citibank 's responses in the attached PDF. Thanks

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 2022-05-04
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 2019-11-21
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My name is XXXX XXXX I bought a car from carhop XXXX  XXXX XXXX the XXXX XXXX XXXX value is XXXX but they charging me XXXX I've had problems with the car the first week of purchase the throttle body that was supposed to be repaired but never was the car drove the same now the car is completely broke down I had it towed to their mechanic once again I don't have money to pay for buses, lyfts, tows and still pay a car note I've put XXXX into this car for car payments I explained this to car hop they're threatening to garnish my wages and income taxes I use my car to make money I can't pay them if I'm not making money they sold me an overpriced car it should at least be running correctly they have put me in a jam/ burden as it is now their trying to distroy my life because their selling overpriced lemons please help I'm struggling because my car being down I don't need garnishments on top of that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked Equifax to update my credit report by removing the following accounts that does not Belong to me. Remember late payments are illegal it is a Billing Error 15 U.S Code 1666b. 

These late payments are causing me stress and hardship so I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of Billing Error ) you are illegally reporting transaction on my consumer report.15 US Code 1681b I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.! 
XXXX XXXX XXXXNot my account. You guys deleted this one and it came bank XXXX Not my account. You guys deleted this one and it came bank XXXX XXXX payments

Company response to consumer: Closed with explanation