BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with ( XXXX XXXXXXXX XXXX ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022, I have not received any documentary evidence such as a trilateral contract giving ( XXXX  XXXX XXXX ) any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX  XXXX XXXX ) before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking. If ( XXXX  XXXX XXXX ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until ( XXXX  XXXX XXXX ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX XXXX XXXX ) continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX XXXX XXXX ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX. XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX / XXXX / {$280.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-05-30
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-06-22
Company: KEYCORP
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. XXXX and I live in XXXX North Carolina. On the XXXX of XX/XX/2023 I sent a mobile check deposit to XXXX XXXX in Connecticut the amount was for XXXX the check was from a settlement I was awarded from a suit I won but I am not able to say who the check was sent by due to the agreement that was part of the suit the check was from New York the account was from KeyBank which is a owner of XXXX. On the XXXX of XX/XX/2023 the bank placed my funds in my brand new savings account but when I went to withdraw some of my funds the bank would not let me and said the account was under review. I called numerous times trying to figure out what was the problem and on the XXXX of XX/XX/2023 I talked to someone on a recorded line that said that XXXX XXXX would allow me XXXX to be wired by XXXXXXXX XXXX  to an external account that I had linked to my XXXX savings account on the XXXX of XX/XX/2023. When I called to see why the funds were not wired to me I was told that they were now not going to wire me the XXXX that whoever it was I talked to should of never told me that this also on a recorded line that the bank has. So on the XXXX of XX/XX/2023 I tried to wire myself some of my money that is in my savings account and I was denied and XXXX locked m out of my account not froze my account just locked me out so I could not use their website or app. I called XXXX several times today, XXXX of XX/XX/2023 and they needed proof of address and a copy of my driver 's licenses which I sent to them immediately and called the bank to make sure they received the documents they asked for why didn't they want those documents before even opening my account I'm not sure but it seems that if they needed them that bad they should of asked before even opening my account and accepting my check. I finally told them I wanted to close my account and they could wire me my money by XXXX of the external accounts linked to my XXXX savings account and they told me no that I was locked out of my account because it was under review and until they seen fit they were not going to close my account or give me access to my funds which again is XXXX. I hope someone can help me out here how can they just hold my money and tell me I can not close my account? Thank you for your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: SC
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:
The items listed on my credit report that I have been disputing are not mine and I have been trying to dispute them for sometime now this 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Harley Davidson Financial Services Inc
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harley-Davidson Financial Services began calling multiple times a day within 7 business days of a late payment. This is a clear violation of the Fair Debt Collection Practices Act 806. Harassment or abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Below is a detailed call history and the numbers that the calls originated from : XX/XX/XXXX XXXX PST XXXX XXXX XXXX PST XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PST XXXX XX/XX/XXXX XXXX PST XXXX XX/XX/XXXX XXXXXXXX XXXX PST XXXX XXXXXXXX XXXX PST XXXX XXXX In addition to the multiple calls that I receive daily, the debt collector does not leave voicemail messages to identify who called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received an offer in the mail from American Express Co. ( AEX ) for XXXX XXXX XXXX  ) Credit Card in XX/XX/2022. The letter included a code to be used to apply for the card online or by mail, and outlined the XXXX  benefits in exchange for an annual maintenance fee of {$250.00}. I applied for the card online as I liked the benefits, primarily a credit of XXXX travel miles after spending {$3000.00} as charges to the card in the first 90 days. After receipt of the card with related information around XX/XX/XXXX, I called AEX to get explanation of certain benefits including the mileage. After getting satisfactory answers, I immediately started using the card, and charging over {$3000.00} within 90 days. At the end of the period, I called AEX to find out the status of my credit for my miles. At that time, they told me I had another AEX XXXX card, so I was not eligible for the credit. I told them that I was not aware of that, nor was ever informed about the clause. They assured me that they will investigate into the matter, and asked me to contact them after 2 weeks. After 2 weeks, they told me it was still under investigation, and asked me to call them after another week. Finally on XX/XX/XXXX, they told me they will not give the credit. 
I was never informed about AEX policies to start with, and I made it clear also when I first contacted them. When I got my first AEX XXXX XXXX, they gave me XXXX miles, to be fare they could reduce the offer to XXXX miles, but they won't buy that either. Request for justice in my case. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made the payment on time and by due date on the BOA account. I paid by check in XX/XX/2023. There should be no " late '' notations, or any fees on my account. I paid {$4.00} back last month ( XX/XX/2023 ).

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

XXXX XXXX XXXXXXXX Police and Fire FCU # XXXX XXXX XXXX # XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-02-03
Company: Experian Information Solutions Inc.
State: AR
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-09
Company: Experian Information Solutions 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 am writing to express my deep dissatisfaction with the re-investigation conducted by your agency regarding the multiple errors present on my consumer report. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors. Your negligence and willful non-compliance have had a detrimental impact on my creditworthiness and financial well-being. 

Account Name- XXXX  XXXX Account Number- XXXX Obvious Inaccuracies - PAYMENT HISTORY INACCURATE - REPORTED AS CHARGE-OFF NOW COLLECTION

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 2023-05-30
Company: Experian Information Solutions Inc.
State: NJ
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. Experian 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 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 2023-05-09
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a phone call from ERC XXXX asking to speak with me ( using my married name which has been changed for almost 7 years ). The person was hard to understand but was stating that I owed a debt on my cell phone account XXXX XXXX XXXX, I reported that I have auto pay set up and don't believe this to be my debt, she then asked if the last four digits of my social were ; and gave four digits I don't recall ; they were infact not my social and she said she had the wrong person and hung up. 
I believe this this was an attempt to get my banking information as she requested card or bank info before verifying anything else and I had to ask her to verify the debt. Since I found this call to be odd as I have XXXX outstanding debt I thought it best to report it as I do not want others to be scammed by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX  : {$3400.00} ; XXXX XXXX XXXX XXXX {$5400.00}.

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 2018-07-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The company, Wells Fargo, keeps failing to send me my monthly statements to make a payment. This is something I have brought up to their customer service department. The only statements I receive are the ones that charge me late fees ( when the payment is obviously part due ). 

I have informed them that I'm not getting the statements at all and have failed again and again to rectify this issue. So far I have had to pay 3 late fees of {$28.00} each for this issue. When I have spoken to their customer service representatives, they check my address and tell me that everything is fine. So far, they have failed to send me a bill at least 3 times.

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 2018-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. XXXX XXXX is reporting my account late for the past three months, XXXX XXXX isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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