BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported XXXX XXXX Reference # : XXXX XXXX XXXX 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 2022-04-13
Company: Marvel & Maloney, P.C.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The law office of Marvel and Maloney has repeatedly tried to collect a debt from me that I believe is incorrect. They have refused to give me coherent information regarding the debts and have now refused to communicate with me further

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.

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 2023-10-10
Company: Credit Karma, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I deposited a mobile check to my Credit Karma Spend account on XXXX and Credit Karma informed me my funds would be available XXXX. When I checked the app again it said my funds would be available at the earliest XXXX 

Never in my life have I heard of a bank taking 10 days to make check funds available. This is not a real financial situation. I called to have the check cancelled and my account closed and their customer service could not even locate my account which I had open while I was on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Ray Klein, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX and Professional Credit Service is saying I owe {$1200.00} on XX/XX/2023 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Westlake Services, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called in XXXX due to my credit score dropping XXXX points due to false reporting. I called Westlake Management and they refused to correct the issue. Once I filed the complaint they corrected it. The status was corrected for 30 days now they are back reporting late payments 5 and 6 months later and I have had a deferment since XXXX therefore should never have been reported late.

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 2022-04-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The account is open fraudulently I dispute in XX/XX/XXXX and I don't get any answer from the bureaus. The account is impacting my credit score badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Ability Recovery Services, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Ability Recovery Services keeps calling me about an outstanding debt. I attempt to talk about the debt and recieve very hostile treatment from the agent. The agent 's name was XXXX. I called and asked what this was about, she said I had an outstanding debt with XXXX XXXX ( somewhere I do not recalll attending ). She bluntly states " Do you want to do anything about this, or not? '' and I said " What can i do? '' the agent then says of course not, you'll have an outstanding report on your credit in full, and hung up. This particular company has attempted to collect on this debt many times and everytime the agent is very hostile, and has threatened law enforcement action in the past as well.

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 2023-08-12
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax verified the debt with XXXX XXXX Acct # XXXX as accurate and correct. On XX/XX/23 I re-opened the dispute requesting proof of validation per law 15USC 1681 iii. XX/XX/23 they responded dispute complete # XXXX but did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account is fraudulent, I'm a victim of identity theft, my information has been found on the dark web, and XXXX data breach. The law prohibits false information for being reported. According to 15 USC 16 my rights to privacy act, defamation of character. I demand immediate removal failure to do so will result in {$1000.00} per violation and a lawsuit. This is a violation of my consumer protection rights and account is fraud remove 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 2023-07-11
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2023, I logged into my online account and noticed my son was assessed a NSF fee on his checking account. I thought that since my son was the age of XXXX ( a XXXX  ), he could not overdraft his account. I proceeded to chat with a representative via their online chat function in an effort to explain how I understood the policy to work. I also asked if they would consider a courtesy refund, since my minor was upset that his account was overdawn. The representative immediately declined my request. I was not happy because I had 7 other active accounts with RBFCU, all which had sufficient funds. I requested to escalate my complaint and was told to contact their member service number. I called the number, repeated my story and refund request to a rep by the name XXXX. She put me on hold to talk to her supervisor ( XXXX ) and when she got back on the line, she asked if she could connect one of my 7 accounts to my son 's checking to avoid the issue going forward. I thought this was a condition that needed to be met in order to get my refund request approved. After I authorized her to connect any one of my accounts to serve as overdraft protection, she told me her supervisor declined my request. At this point I am extremely upset for many reasons, one being that she had me link an account I would not have linked had I known my request was going to outright be declined. I asked XXXX why her supervisor declined my request and she said, because I authorized the transaction but would/could not expand on any other reasonable explanation. I felt that if I had a non - XXXX name, my request would have been approved. The next day, I closed one of my money market accounts in the amount of XXXX and moved it to another institution, however, it has not sat well with me that out of the 3 employees I worked with, none were willing to service me as I expected. I'm extremely disappointed at the way my request was handled and have taught my son how to manage his accounts, however, the credit union must be willing to understand that not all people understand how overdraft policies work and need to be more empathetic in every situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Avid Acceptance, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have already placed this company on a cease and desist for repeated call to my job, and they still called after. Now the most recent on going issues is the collection tactics. The threatening of repossession when my account is less than a half payment due and not even 30 days late. Sending me strict compliance letters and Im not even 30 days past due and again we are talking less than a half a payment. Im in constant communication and always pay when stated yet calls and e-mails continue along with the threats of repo. Again for a half a payment that isnt even 30 days late. Its stressful, beyond actually considering I just replaced a XXXX transmission and still made the payment. Ive talked to management and reps and still here today received a pre repossession letter for 1/2 payment past due for XXXX, which by the way has been paid today as stated would be. I am a collections manger and comply with the FDCPA this company does not. 
And lastly a partial payment in Illinois requires you to resend the strict compliance, so that statement in this letter is in fact I believe to be false. Please stop threatening me with repo for less than a half payment thats not 30 days late.

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 2023-08-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though I included a copy of my Social Security Card, my State ID, and physically signed the letter. XXXX still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from XXXX past that point. It has been well over 30 days. 

I mailed the same letter to Equifax, on the same date. Equifax NEVER responded regarding the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Yes I have a case open from a XXXX XXXX payment voucher was mailed in and picked up a account was already registered 2021 tax season efiled with state tax return for amended XXXX XXXX payment voucher with looking upon this payment update on this case. We ask to contact the North Carolina Department of Revenue in resolving this issue we escalated to the claims department a case was already updated the payment voucher was declaring was not sent in and ask to review with the 2021 payment was sent in. So I ask to review the XXXX XXXX  with the department of claims with the case number and ask them why the payment was not updated with the case.So send the case ID and update the registration with the claims department. Our government payment voucher was sent in with a case ID and update with a restoration officer with case ID and mailed in the review without updating the rest with the claim department with the case open because it settled out upon review in updating the claim at hand. So we give our update on the paper in the missing XXXXXXXX XXXX XXXXeturn with the case number and ask XXXX XXXX XXXX appoint the case number with the XXXX XXXX  payment voucher to update the claim we did not owe was sent with the case ID from the XXXX XXXX  payment voucher with the case ID review claim number payment voucher sent in on the investigation. As I can see we should update the review with the attorney with the North Carolina Department XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The following accounts have violated my consumer rights XXXX XXXX XXXX XXXX  : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ).

Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ). 
Seeking prompt resolution per XXXX guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching XXXX compliance. XXXX action requested, including deletion of derogatory info. 

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings.

Prompt attention and resolution expected.

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 2022-12-27
Company: EQUIFAX, INC.
State: UT
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 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
AES/NCT is reporting  XXXX  fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX     2017, and  for the  last five mo nths I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in  XXXX  lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are  XXXX  loans that I DID take out in my name but there are  XXXX  loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to AES/NCT back in  XXXX   2017. A fter multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,  2017. Five m onths later, after requesting  XXXX  to be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,    2017 an d according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from AES/NCT actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EGL US, LLC
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My loan payment schedule clearly states that my payment is due on XX/XX/XXXX. Today XX/XX/XXXX BMG Money took a payment of {$150.00} causing my checking account to overdraw

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i was disputing the inaccuracies of late payments listed on XXXX XXXX XXXX credit card. I asked to submit proof of the incorrect information on all my credit reports that list worst payments status 90 to 119 days late. Instead of providing proof that updated removing the statement that " consumer disputes this card '' Instead puts card was closed It has been closed since 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