BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Receivables Performance Management ( RPM ) escalation dept. on XXXX XX/XX/XXXX to resolve this claim. I submitted the account number which was filed with XXXX  and explained this was not my account. I contacted XXXX billing to have this account removed from my name on XXXX XX/XX/XXXX. I also filed a complaint with CFPD to have this removed from my credit report. 
RPM responded that they do not have an account with my name under their customer XXXX, yet the will not remove this collection claim from my credit report. 
Below is a screen shot of their claim on my credit report : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name RECEIVABLES PERFORMANCE Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$600.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$600.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX has not provided any information to me, as required by law, that would allow me to understand the nature of this claim. I have not been provided any statement of validity or details surrounding this claim. 
I do not have any past due accounts with XXXX, I do not have any accounts with 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 2023-09-14
Company: M&T BANK CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is still showing late payments on XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2020-06-19
Company: Commonwealth Financial Systems, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence  can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-03-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed inquires for things I didnt apply for.

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 2022-02-20
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XXXX a collection company by the name of Bonneville Collections is sending me fraudulent mail with wrong spelling of name and address. Furthermore I called this collection company and they stated they have no collection account given under social security number. Bonneville Collections have yet to place this so called debt on any of the major XXXX credit bureaus since purchasing this so called debt which furthermore let 's me know this is a fishing fraudulent account. The amount of the debt which this company says I owe the amount of {$76.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank with American Express recently got my tax returned went to atm to withdrawal money and got a code XXXX means call issuer or police called bank said someone reported card stolen. Told her no got card in hand told them to lock/freeze account so we won't get money stolen. They also said replacement card got sent already asked what addressed some where in XXXX. Said we are from texas and the primary address they have on file doesnt match where card is getting sent. They stated account is on freeze. Later that night they took XXXX and after that they took another XXXX. We been calling everyday because we kept getting emails saying someone trying to get money out. They had us change passwords and they also gave us a conformation # if if they did receive a card they couldnt activate it with out that number. Well we also got a call from a caller acting like them asking for info. Right away we call bank again and said it's a scammer we told them we know just letting them know. They said they will put it down on there notes. Changed password again made sure it was locked as well. Later on today XXXX we get a notification that our account is unlocked and has a card ending in different last 4 digits then what we had. While on the phone with bank we get another email about a low balance while cop is present so he knows it's not us doing it. On this day they took out a total of XXXX  dollars out. Our disputes keep getting denied already made police reports. Even the bank worker says yes we are having alot of similar cases like this. All the bank says they are going to send us another card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited a check in the amount of {$10000.00} at a PNC branch Bank in downtown XXXX near XXXX XXXX. This check was received from my manager for services rendered. The branch in which I deposited the check is in a predominantly white neighborhood of XXXX. Upon depositing the check, my account was immediately frozen without any notification. 

After several attempts proving that it was not indeed a fraudulent check, and that indeed those monies belong to me, my account remains frozen. I have obligations to the IRS and creditors that needed to be paid. I have since incurred a late fee and potential damages to my credit report. 

Please assist me in unfreeze my account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, I received an unsolicited check in the mail from Security Finance in the amount of XXXX Dollars. I called the number on the check to confirm that the check was real and it was an offer for a loan. I accepted the loan and deposited the check in or around XX/XX/XXXX. To date, I have made all payments on time. I received a postcard from Security Finance stating I could receive extra funds if I " refinanced my loan ''. On XX/XX/XXXX I went to the XXXX store and asked to refinance my loan. At that time, I asked XXXX XXXX if they would be pulling my credit, as I was concerned about a hard inquiry. XXXX stated it would be a " soft pull '', and it would not affect my credit. Manager XXXX XXXX confirmed that it would not hurt my credit. I immediately received an alert that Security Finance had obtained a hard copy of my credit report. I asked why XXXX told me they would not do a hard pull, and she stated " sorry I didnt know :. XXXX further went on to state " you will get the points back when you make your first payment ''. On XX/XX/XXXX, I attempted to make a purchase with the XXXX app. I was denied the purchase, the reason stating " credit utilization rates ''. Upon checking my credit report, I noticed Security Finance had closed my previous account and opened a new tradeline on both my XXXX and XXXX reports. They listed my account as having a balance of XXXX, with a credit limit of XXXX, showing my account as over limit. I called the store and spoke to XXXX, who stated she didn't know why that would be. After calling the corporate number, I was told the District Manager would call me back, and no one has called. Further, the customer service agent was rude and stated " thats just how it works ''.

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 2020-06-19
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2020 i requested a investigation into some accounts that's being reported by Experian, one came back verified balance at the time {$5700.00}, i then requested a re-investigation on XX/XX/2020 asking them to send me the method which they used to verify the account and they responded with update/verified. ON XX/XX/2020 i again asked for there method of verification and this time they didn't respond at all it's been about 40 days since that request.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: NC
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 letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
[ XXXX XXXX XXXXXXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to XXXX status ( Paid As Agreed Never Late ) according to consumer protection laws.

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 2019-08-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I open a new credit card with XXXX XXXX and attempted to transfer the balance of my USAA card to the XXXX XXXX card. It was taking weeks for USAA to receive the mailed check from XXXX XXXX. USAA rep told me he couldn't find the check anywhere and advised to have XXXX XXXX cancel or track down the check. XXXX XXXX canceled the check believing it was lost. A couple days after a no pay was put on the check USAA tried to cash it. I called USAA numerous times over the {$25.00} returned check fee and 3 times they told me to call back after statement had posted. Told me to call back today to get the fee waived and I was told there were notes concerning my previous calls about waiving the fee and the rep told me she tried to waive the fee but couldn't. Said the computer wouldn't allow it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep frustration and concern regarding my repeated attempts to have inaccurate addresses, collections, and inquiries removed from my credit report. Despite numerous requests, these issues persist, negatively impacting my financial standing. I urge your agency to take immediate action to investigate and rectify these errors, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies that require your attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached copies of documents that support my claims, including [ attach copies of any relevant documents such as dispute letters, identity theft reports, or proof of address corrections ]. 

Under the FCRA, I insist that you : Initiate a thorough investigation into the accuracy of the disputed items immediately. 
Notify me of the results of your investigation within the legally mandated 30-day period.

Correct or remove any information that is found to be inaccurate, incomplete, or unverifiable from my credit report. Non-compliance with the FCRA may result in legal consequences, and I trust that your agency will adhere to the law and handle this matter with utmost professionalism. The XXXX, Equifax, and XXXX Credit Bureaus are required to removed the following mentioned items above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First Credit Union has begun to adopt a strategy not unlike the major banks in which they reorganize charges to ensure that an overdraft is triggered. This is particularly evident when large payments are attempted ( i.e. Rent, Insurance, etc. ). Large payments are held days after the due date especially with recurring payments that are scheduled. This occurs on a monthly basis with my insurance payments. If I am not on top of my account, they will surge all of the smaller charges before applying the larger charges to ensure an overdraft is triggered. It is so prevalent I no longer use this establishment to pay rent because I can not trust that my rent payment will be honored in a timely fashion. This must be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone number XXXX has repeatedly called, robot picks up and says no one is Available to answer. 

If I dont pick up, they leave a voice mail that has No message, and generally only tends to say XXXX and cuts off. 

Has texted me from suspicious spam like numbers and links that do not seem legitimate. 

No idea what this is about. 
There is no information provided. 

Ive responded to texts and calls saying please dont call or please send me verification of debt. 

There is absolutely no human response Ive received for the past year theyve called. 

There was never any formal contact or communications sent to me except frequent spam like calls, that end with robots that answer that repeat a phrase and never actually responds, leaves spam like voicemails. Never no actual intent on communicating

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 2023-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief