BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AMERICOLLECT has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ).

Show ( ii ) The consumers name and mailing address.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ).

Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ).

Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ).

Show ( v ) The name of the creditor to whom the debt currently is owed.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ).

Show ( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ).

Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ).

Show ( ix ) The current amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 information 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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:
It was a unauthorized hard pull on my credit profiles from all XXXX credit bureau on XX/XX/2023 for XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXXXXXX, 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 XXXX XXXX 

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 2022-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EXPERIAN has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.

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 2021-11-09
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
This is the third time sending this FTC report and the supervisor from EQUIFAX XXXX XXXX and his I.D number XXXX was very rude was not helpful at all. He told me he seen I sent the last two FTC reports with my ID but still refuse to help and even hung Up me. please delete these fraud inquiries off my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had been living in the XXXX XXXX for a couple of months when I flew back to XXXX XXXX XXXX in XXXX of 2022 and opened an account with Bank of America. Everything was great, no issues. Then all of a sudden I was robbed and my card was stolen in the XXXX and I requested a new one. I tried activating it several times it didnt let me I tried having my mom call the number to be able to activate it, and it didnt let her because I later found out it had to be my number to call them to be able to activate the card. During that process she also tried to go to an ATM and activate it but she couldnt. Days after, I realized fake checks were being deposited into my account. I dont know if when I lost my card in the XXXX, the ones that stole it were able to get into my account. I have no idea. I tried to contact Bank of America, they said they couldnt help me because my number didnt match what they had on file and even after giving them my private information I was not being helped. The day after my account was suspended, I no longer had a bank account. I tried contacting Bank of America again and nothing. They did nothing to help me and there was nothing I couldve done since I was in the XXXX TAKING CARE OF MY SICK GRANDMA. I write that in caps to emphasize how frustrated I am that they are doing this to me when those checks were clearly deposited in the United States during a time I can easily prove I was in the XXXX. They did not bother to ask for any of that information. With all the stress and money problems I had while taking care of my grandma, I left it alone. Then I tried to open up a XXXX bank account and it wouldnt let me. Because of what Bank of America did to my record. If this doesnt get fixed I will be filing a lawsuit against Bank of America XXXX This is just unjust and extremely unprofessional. I thought banks took care of their customers instead of exiling them. Instead of sending me alerts of fraud, emails, or ANYTHING, they decided to just close my account. I hope this will be resolved and doesnt get any further in the legal aspect. But if it has to go there, I have receipts, screenshots, time stamps, locations, everything I need to take this to court and prove how unjust this bank has treated 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 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
List of violations ; In accordance with the Fair Credit Reporting act 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 XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX  Account Number : 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 2020-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX sent a wage garnishment to my employer XXXX aka XXXX  of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted XXXX several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Stride Funding, Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Issue with income share agreement
Sub-issue: Billing or statement issues

Complaint:
My complaint against Stride Launch Servicing for their unjustified loan charge against me. In XXXX I signed an Income Share Agreement ( ISA ) with XXXX  for my XXXX XXXX XXXX XXXX  in XXXX. As per the terms of the contract I was supposed to pay 15 % of my monthly salary as an instalment after my employment for a period of 36 months ( which may be extended up to 48 months ) until I reach the highest cap amount of {$34000.00} if my income is more than {$44000.00} yearly. But if my income is less than the threshold income, I would pay {$0.00} dollar until my income reaches the threshold. The payment would automatically stop when I fulfil either of the conditions such as paying the highest cap or reaching the 48 months, whichever comes first. First two years I didnt have to pay instalments since my income continuously was below the threshold income and my payment was deferred to the next year. Incidentally, my account was transferred to Stride Launching Services ( LS ) in XXXX. Stride LS sent me an email, asking me to open an account and start paying my instalment. Accordingly, I opened an account in their Stride portal and sent them a message, informing them that, since my income is below the income threshold, I am not liable to pay my ISA payment. I sent my tax return documents as proof. In return, they informed me that they may need more evidence or proof of my income such as w2/1099 ( message copy enclosed ). They asked me to submit proof of my wife 's income too as evidence. Accordingly, I started to make regular correspondence with Stride over the phone sending messages to know about my status and asking them about my next course of action ( message copy enclosed ). But surprisingly without giving me any reason, they started charging me a monthly instalment of {$980.00} showing a fictitious yearly income which doesnt reflect in my actual yearly income as per my documents. Denying their claim, I gave a number of reminders to them and requested them to re-evaluate my yearly income ( message copy enclosed ). At one point I was told to submit my all W2/1099 as proof of income for the year XXXX by one of the support team members of Stride LS when I contacted them over the phone. But they kept on pressing me to pay my past due amount of {$3900.00} or my account would be delinquent and will be sent for collection. Time and again I asked them to correct my yearly income statement, but they are neither denying my claim nor they are taking any action to correct the income statement for unknown reasons. It has become a great concern for me and I am feeling helpless. 
enclosed : Attached are the documents of the exchanged messages with Stride

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$220.00}

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 2022-12-25
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX of 2021, I bought a XXXXXXXX XXXX XXXX XXXXXXXX. I had to send it back twice within 2 months of receiving it at a cost of around {$10.00} shipping each time. Every time, XXXX told me it was my fault for one reason or another but they would repair it and send a new unit. 

After the second time, I told XXXX to keep the XXXX  and just refund my money. They did not, they sent it back broken. 

I filed a dispute with Citi and gave them the reasons. No where on their dispute site was I able to forward emails of the communications with XXXX. I did not know they asked for additional information until after the time limit had passed when I logged in to make a monthly payment. They also did not provide the merchants response or send my any kind of prior notification by US mail or email about needing more info. The only email I received was from XXXX where they showed the tracking number where XXXX had returned the amplified. 

On another instance, I had an issue with XXXX phone service. Not sure what happened but my equipment quit working and I had no dial tone. I did not know XXXX kept charging me monthly fees for service I did not have. Citi refunded all the monthly charges except one month for the same reasons but somehow needed more information about the one month. Again, I was not notified. 

This seems to be a pattern of negligence on Citi 's behalf. They are not protecting the financial interest of their customers. 

You can do whatever, but I will be suing citi and MasterCard over this. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: LA
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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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

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