BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2014 I began renting from XXXX XXXX the paper work includes a page consisting of itemized prices for services upon move-out the letter, which is attached, is addressed to me ( although I did not sign ) has very different prices that proves that after I repeatedly asked for an itemized receipt of what my deposit may have gone torwards in order to understand where the extra unknown amounts may have derived XXXX   XXXX never contacted me in Reference to an account that I may owe, instead an oblivious receipt with inflated amounts were sent to a collections agency called NCC SERVICES and they are on each of my credit reports unfairly. Does the original lender not to have an allotted time to try to collect what they believe to be owned to them before turning an account over to collections? Also please notice the differences in the amounts on the original move out cleaning letter and the one created after I continue to ask for the details of my deposits since it clearly was not use to cover the cost of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They garnished my wages after the debt was paid and have not stopped it over {$4200.00} owed back to me.

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 2022-10-08
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- I am entitled to Fair Credit Reporting.

-- I have given them authorized permission to report my address on my consumer credit report. 
-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 

-- Letters have been sent with this address by certified mail and return receipts have been received by me. 

-- My permission has been given orally, in writing, and electronically to report my address on my consumer report and I demand it to be reported.

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 2023-12-07
Company: Upgrade, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern, I XXXX XXXX XXXX, have never applied for an upgrade account. Therefore, I would like this account to be closed and I also would like proof of the documents submitted in order to get this account open. I have always live in the same address and I never received any information from XXXX. I have been living in XXXX, FL. This account was opened with stolen information and I also had a freeze on my credit report so this didnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following inaccurate items that are harming my credit. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2023 To whom it may concern, I have been dealing with financial issues as of XX/XX/2023 due to medical reasons, and I fell behind on my bills. I tried contacting the company in question ( Discover ) about the deferment program that they were advertising on the company 's website, only to be told that no such program existed. The company ( Discover ) was not very understanding of my situation and presented three different payment options that for right now is not within my budget. I agreed to one form of payment yet knowing that I would have some issues paying it because of other obligations that I have to consider. I don't know what to do, and I really struggling to find help in my situation and Discover is not offering this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am requesting my XXXX XXXX bankruptcy be removed from all 3 credit bureaus immediately. I also am requesting a copy of my credit report from each credit bureaus stating this information has been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
These are not my accounts nor did I live at any of these addresses.

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 2022-12-21
Company: EQUIFAX, INC.
State: IL
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 '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed these items on XX/XX/2022 and XX/XX/2022 but the bureaus did not remove them nor prove proper validation. 
Sec. 602. States " I have a right to privacy '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Information belongs to someone else

Complaint:
I have attached 4 letters please fist update my personal information and please delete the accounts which are reporting errors to my credit

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 2022-03-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account Number XXXX EQUIFAX, XXXX AND XXXX continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR 60 months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN 7 YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD EQUIFAX, XXXX AND XXXX continues to VIOLATE the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
i opened an special account at wells fargo 2018 i was not able to use the account. I have filed treasury direct forms in which were signature guaranteed. Instead informing me of anything my account was closed. All accounts payable and all accounts receivable how do they get to use my credit and if im the principal how is it i can use my account under penalty of perjury. They have not given any information on my account since why it was even closed.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Also I am disputing these accounts XXXX XXXXXXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX am not late on these accounts I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached in writing, by phone and used Experian website. each time of all three of credit monitoring services Experian is the hardest to get resolve with. They try intimation tacks on the phone trying to bulling you towards your complainants. When you point fault, and mistakes and follow the procedures of submitting letter waiting for resolve after 30 days, nothing is done. Experian XXXX the XXXX when it comes to the customer, as if they get something by keeping someone suppressed. I am requesting a close monitor of Experian practices, do your JOB Experian proper for the people!

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 2023-12-07
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I sent the court, Zwicker & AssociatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters. The last letter dated XX/XX/ saying don't contact me anymore. You ( Zwicker ) failed to provide detailed information sent to me and the court so, on XXXX XXXX XXXX  i sent a certified letter to Zwicker asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with Zwicker and Associates 2. I am retired XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am requesting following informstion from Zwicker : A. Send me original purchase agreement with wet signature. 
B.Provide me accurate creditor contact information. 
C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. 
D. More importantly, I am requiring Proof of ownership that Zwicker has a contract with with creditor and authorized to collect debt from me. 
If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
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:
I filed a dispute and complaint with TransUnion regarding the collection account on my credit report. They sent me a response stating that it was a frivolous dispute and that they believe that I received services and/or merchandise from the company. First off this is a fraudulent account that XXXX XXXX had already removed and then they sold it to a collection agency. This account is being reported by multiple collection agencies with different amounts. This is fraudulent within itself. They are required by the FCRA to dispute and/or block any and all items deemed as fraud as long as I have provided an Identity Theft Affidavit and/or Police Report and verified my identity. I have sent all of those documents and more. I have mailed out something certified to them as well because if this account isn't removed, I will sue and I have already retained an attorney.

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Last XX/XX/2023 I had made a deposit into my account ( XXXX ) by using my atm card ending with XXXX issued from bank of america while using the drive thru ATM machine deposit of bank of america located at XXXX XXXX XXXX XXXX XXXX  with zip code number XXXX and suddenly the atm eat my money that was amounted into XXXX And it cancelled the transaction and eat the money

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 monetary relief
Consumer complaint received 2023-12-07
Company: OPORTUN FINANCIAL CORPORATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the date of XX/XX/2023 at XXXXXXXX XXXX. eastern time zone, I had dial the dedicated customer service phone number for the Oportun 's credit card department at XXXX and pressed 1 when prompted to speak to live agent. I was able to connect effectively and spoke directly to a customer service representative for Oportuns credit card services department. His name was XXXX and he requested to give him specific information to verify my account in which I immediate did. After he verified my account with the informationI had given him, I had asked the representative if my credit card is still currently active as of today. He told me to wait while checked it on the computer but few minutes later he told me that my credit card was closed. The one and only main reason he said it directly from him what he sees in his computer was that there were " no activity '' ( no usage ) on the card. The card was closed on XX/XX/2023 and there were no explanation before or after it had been closed. I also asked him if he could turned it back on but he said that he can not and I have to reapply again. I then proceeded to ask if he could transfer me to a supervisor or someone who authorized that deals with these type of issues and concerns. He said he can not. I did not want to argue over the phone for his refusal and ignoring me to get this fix so I politely end the call. 

I had NEVER owed debts, NEVER made late payments, nor NEVER carry balances over on all/any Oportun Credit Card . The ONE AND ONLY main reason why my credit card was closed unexpectedly without proper notice was because I did not use the credit card ( no activity ). This type of act is not even serious enough to warrant to a closure. I still have direct procession of the Oportun credit card and I use it only when I needed it. Closing someone account is not right, I understand that I am a XXXXXXXX living in a city and neighborhood where it is from low to medium income area but that does not mean the people who decided to deactivate think/feel I am a nobody and I do not have the right or even privilege to have this card. Closing the card for one small thing is a slap in the face purposely.

Company response to consumer: Closed with explanation