BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: 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 Original creditor : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A Section States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following items of information. Any other adverse 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On 3 different times Ive disputed this account, had it re-investigated and also spoke with Midland to resolve this issue of validation and inaccurate reporting. They continue to update with the Credit Bureaus and the information is not being properly verified on their behalf as well. The Month of XXXX, XXXX, XXXX, XXXX & XXXX have been verified without notification to me the consumer as to how and Im receiving all the damaging information to my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: TN
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:
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 Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account 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 explanation
Consumer complaint received 2024-01-12
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First, they make it known the calls are recorded. The week of XX/XX/2024, I called Ally bank to ask for payment assistance. I could not work full time when I was in XXXX XXXX  so it set me back with some bills as I am the only one financially supporting my family. Ally stated they could help if I made a full car payment by the end of the week as well as an additional {$65.00} and some change by this past Tuesday. I did exactly that and tried to call them soon after for the extension. My calls were picked up and then I was hung up on. I was finally able to get someone today and they told me sorry they told you that but I didnt qualify for the extension. Why lie to me and then as I mentioned to them the calls are recorded. The agent even said he was notating the account for the payment arrangement and they are no honoring what was told 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 non-monetary relief
Consumer complaint received 2023-06-08
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX  I visited Bank of America on XXXX XXXX XXXX, XXXX, NJ to withdraw {$2700.00}. I was helped by a teller named XXXX who consulted with his superior, XXXX. After speaking with XXXX, XXXX told me I needed to go to an ATM to withdraw my money. I informed him of the ATM limit of {$1000.00} and I asked to speak with XXXX. I informed XXXX of the ATM limit and that I needed to withdraw the money because my employer will no longer be banking with Bank of America. XXXX said I can withdraw a maximum of {$1500.00} because I do not have an account with Bank of America. I withdrew {$1400.00} so I can withdraw my remaining balance from an ATM. 

My complaint is : I believe Bank of America withheld my money arbitrarily and against the customer agreement by trying to turn me away to an ATM and then imposing a maximum I can withdraw from my money that is deposited in their bank. Regulation E is inconsistent with banks arbitrarily withholding and arbitrarily conditioning people 's deposits.

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 2019-04-26
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2019 TD bank called my estranged sister in XXXX Fl. I live in NJ that person disclosed all information, amt that I owe and. date that I stopped making pymnts. My privacy has been violated. Im completely humiliated and ashamed I have several medical conditions and this just caused stress that is adding my condition

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: LEXISNEXIS
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 sent a letter to Lexis Nexis because they are reporting inaccurate and unverifiable information on my report. They completely ignored my request. I then contacted them via telephone which is also a hassle because they always have to call me back. I then received a call from one of their representatives who stated that they verified a bankruptcy with the US Bankruptcy of XXXX XXXX  XXXX. I previously contacted the courthouse, spoke to XXXX XXXX XXXX at XXXX on XX/XX/2021, at XXXX and she stated that they do not do any business with the credit reporting agencies, hence, they do not report anything to anyone, Lexis Nexis. 
I demand that they delete this bankruptcy from my report immediately and delete it from the credit reporting agencies. 

Account : US Bankruptcy Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX born XX/XX/1949 and I am a victim of identity theft.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update and correct the following in my file. 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

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 2023-09-12
Company: CITIBANK, N.A.
State: GA
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:
These inquiries have been added to my credit report without my authorization! 

CBNA/THD XX/XX/XXXX XXXX XX/XX/XXXX CITIBANK XXXX XXXX BEST BUY XX/XX/XXXX I disputed them and they remain on my credit report!

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 2023-01-10
Company: SYNCHRONY FINANCIAL
State: NJ
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:
My issue goes back to XX/XX/XXXX. I have made payments and if you look you can see how I was creditied the payment then they charged back the payments at vaious different occassions. All my payments have always been by phone only. I do not make them online ever. I now have a judgement placed against me but never received anything stating this was going to happen. The 2 amounts in question that have been recurring credits and charges are {$620.00} and {$1800.00}. The first payment of {$1800.00} was paid by phone on XX/XX/XXXX. The next payment in the issue was from XX/XX/XXXX {$620.00}. There have been credits and charges showing the payment sections for these 2 amounts. I am not sure how this happened in their system but I don't owe anything. I did speak to someone at Syncrony in XXXX or XXXX of XXXX to set up a dispute about this. It was never addressed by them. Everytime I have called the company I just get transferred from person to person and then get convenienty disconnected. I filed a cliam with the XXXX  which I will attach to the complaint with all credit card statements also.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: OH
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 complaint is regarding the $ XXXX bill from XXXX XXXX at the XXXX , Ohio address on XXXX XXXX XXXX XXXX in 2018. 
This was an apartment complex I was living in up until XX/XX/2018. I was moving to another city and the new tenant was moving in to my apartment. The property management company had assured me the utilities would be changed over to the new tenant at the start of her lease.

This did not happen until two months later and now I'm seeing  this bill on my credit report and can not get it off. My complaint is not that it's a fraudulent bill, but rather tht I never received the bill at the correct forwarding address. XXXX and XXXX XXXX both claim to have sent the final bill to an ( incorrect ) forwarding address in XXXX. 
Not living at the address they sent it to, I never received the bill or knew about it. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. 
I'll gladly pay XXXX at this point if they're able to completely remove the bill from collections. But it's not right that because they sent the bill to the wrong address therefore my credit report is being punished. I've had no luck speaking with managers of both the XXXX XXXX and 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 2020-03-09
Company: NRA Group, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The National Recovery Agency has placed a balance of {$460.00} on my credit reports. They never sent me written notification of the debt, allowing me to dispute. They claim to have mailed it but I have mail forwarding from my old address and never received it, Furthermore, the bill is for the XXXX XXXX. XXXX XXXX bills me every month. They never notified me in writing that this bill was due despite them having no comprehensible reason to not know my address as I TRANSFERRED service to my new address. The first time I actually spoke with National Recovery Agency was just last week and it is already on my credit report. They have not even validated the debt before placing it on my report because they never gave me a chance to request validation. The debt being placed on my credit report is not validated debt! Moreover, I had this whole conversation with National Recovery Agency without confirming who I am. They did not know if I was myself or a third party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: United PanAm Financial Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Initial Auto Loan was paid off to a previous creditor. 

New Creditor : United Auto Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request made to caller collecting the debt for a copy of contract, their W9 and 1099OID and nothing provided. Written request also being sent with notice and claim. United Auto Credit has placed false information on the credit report as a " new loan ''.

[ Title 15 USC 1681n ] Civil liability for willful noncompliance, [ Title 18 USC 1951 ], interference with commerce by threats or violence, [ Title 15 USC 1692b ] Debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, [ Title 15 USC 1611 ] criminal liabilities for willful and knowing violations, [ Title 15 USC 1681b ] addresses the permissible purposes for which consumer reports can be obtained and used, [ Title 15 USC 1681c ] is to protect consumers ' privacy and ensure fair and accurate reporting of their credit information.

[ Title 18 USC 1001 ] statements and entries generally, [ Title 42 USC 1986 ] actions for neglect to prevent, [ Title 15 USC 1639a ] duty of servicers of residential mortgages, [ Title 15 USC 35 ] recovery of damages, etc., for antitrust violations from any local government, or official or employee thereof acting in an official capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted by certified mail to XXXX, XXXX, and TransUnion ruffly 3 to 4 times concerning incorrect names, addresses, and employment that they are reporting on my Credit Reports. ALL 3 HAVE IGNORED MY REQUEST, NOTHING HAS CHANGED BUT KEEP PUT WRONG/MISSPELLED INFO. 

XXXX Track # XXXX TransUnion Track # XXXX Experian Track # 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 2022-05-20
Company: Experian Information Solutions Inc.
State: AL
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 filed an identity theft FTC report due to wrong information on my reports. After many months of trying, I am seeking your assistance because no one is helping 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 non-monetary relief
Consumer complaint received 2019-09-12
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/2015 I filed a chapter XXXX fed loan service gave the trustee an amount of XXXX  on  paper the amount was paid the bankruptcy was dismissed by the court fed loan service refuses to acknowledge this they have created a bill that no longer exists they are charging me late fees on a loan that isnow paid and is over 31 years old over 16.000 has been paid on an XXXX loan I have paper work to prove the amount they gave the truster

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Credit Adjustments Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My daughter was taken to the ER  few years ago by her father, he signed the check in and signed the discharge for her. After few years i started getting contacted about a bill of {$710.00} for that visit, i tried to solve this issue with the hospital but they simply ignored my information and did nothing about it, now i see that it has been hitting my credit score when it should had been in my ex husbands credit score, i was not responsible for that.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: SC
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 all the accounts listed below have violated my rights, and it is just not fair. it has almost ruined my family and child. 

15 U.S.C 1681 section 602 A states I have the right to privacy, and 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I would only ask for your help. I have no other options. Thank you so much.

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