BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent out a dispute to transunion and it was delivered on XX/XX/XXXX. I received something in the mail to confirm my address on XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive any correspondence from transunion at all in regards to my results.

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 2021-11-11
Company: American Revenue Management, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Revenue ManagemenXXXX in XXXX, California falsely reported to the credit bureaus that I have a past due debt from XXXX Chos XXXX despite never contacting me, never validating the debt, or even offering me an opportunity to pay any debt. The so-called debt just appeared on my credit report on XX/XX/XXXX as owed since XXXX but I have never received so much as an email correspondence about it. I emailed American Revenue Management and they initially responded saying they would follow up but I have not heard from them since. My credit is plummeting unfairly. Not only was the debt never initially validated as legally required, but I never even received any communication after that, and am still not receiving any proactive communications from the debt collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I've had a number of difficulties with Capital One rejecting charges that I pre-approved so on XXXX XXXX XXXX I called to cancel my card. I had previously applied all remaining rewards to my balance and paid off the balance in full, which is my normal monthly habit. 

After going through the validation procedures with their agent, the agent informed me that once I closed the account, I would be barred from reopening it. I found this odd, but I had no plans to reopen the account and said that is fine with me. 

The agent then said I had {$1.00} remaining in cash rewards. I said that was odd because I had redeemed all of my awards prior to making my payment. I first said that they could keep it, but the agent said they would mail me a check ( to the address on my account ) and I said that would be fine. 

However, the agent then said that she needed to do some additional verification steps in order to send me the check. The verification step involved sending me a code over the phone that I would have to repeat to her. I said, I'm on the phone with her and have no other phone to do that. I asked if she could send it by email and she said no. I asked if I could hang up so then could send the code and she could call me back and she said that wasn't possible. She then said I could send them a copy of my drivers license and some other forms of identification. After much frustrating discussion, I asked to speak with the supervisor on duty and was transferred. 

I explained the issue and asked ... ... ... .if you were satisfied with my verification to close the account, I don't understand the need to do an additional verification in order to mail a check for the rewards balance. She did admit that it didn't make sense to her either, but that is the company policy. 

The conversation ended with my advising/stating that I would be filing a complaint with the CFPB. 

Now, all of these credit card companies will gladly open an account online with instant approval. There are no hoops to jump through. Their policy of additional verification is a deceptive trade practice ... or a practice to attempt to coerce someone to keeping the account open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written this company several time as to how they verified that I owe them with out any response. 1. Original contract with my signature. 2. Proof I have a legal contract with the company. 3.How did you verify the information you have 4. This debt is not mine. ABILITY RECOVERY SERVICES. XXXX XXXX XXXX XXXX, PA 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 2023-04-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: GA
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  : account number XXXX, XXXX  : account XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : account number XXXXXXXX XXXX/FED LOAN SERV : account number XXXX, XXXX XXXX XXXX : account number XXXX, XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my husband deposited {$6000.00} from his XXXX XXXX XXXX account to our joint banking account at Bank of America. The Bank of America teller told my husband thatcheck would be on hold for two days. During that week, 2 autopays were charged to our BofA checking account. One payment for {$47.00} and another for {$300.00} both were returned and I we were charged merchant late fee charges. My husband made a deposit from the same retirement account last month on XX/XX/XXXX for {$5500.00} and never was there a hold put on the check. This check deposited on XX/XX/XXXX was held for 10 days For no reason. Not only were we charged late fees from the merchant but we were charged limit withdrawal fees using money out of our savings account so we could survive without any money for 10 days. I was able to get one of the savings account limit withdrawal fees waived but there are two additional fees. Since my husband used that retirement account the month before there is no reason that {$6000.00} check should have been on hold for 10 days I have contacted a Bank of America supervisor and spoke to two customer service agents. Explaining that my husband has two accounts in his credit union. The retirement account has been well established however he opened a another account and made it rather large deposit from his annuity I can understand why that one would have been held for 10 days but not the {$6000.00} check resulting in Unnecessary fees. We should be compensated for the late fees charged by the merchant and our savings withdrawal limit fee.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: MN
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. 

The letters are stated with items and issues. 

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 2023-04-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to create a free online account activate a security freeze. The website continually returned an error message in spite of all the form fields being filled correctly. This happened in every web browser. I searched through their support pages and the issue was not listed. I called their customer service line within the business hours listed on their own contact page. I got an automated phone tree that did not include information on the problem or options to reach a live human representative. It simply gave me the address of the web page that was not working. I tried three different phone numbers and could not reach a live person.

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 2023-02-09
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately from my 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 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 2023-04-07
Company: EQUIFAX, INC.
State: GA
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 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have spoke to Midland Credit Management in the past and this is more than once they have done this to me. I have even even filed a cease and desist against them and they have violated my wishes, once more. On XX/XX/2023 I received a letter which will be attached to this complaint, where the company even acknowleged that I ask for cease communications. But in this letter they have threatened a lawsuit against me, further damaging my name and credit report. 

Which in turn violates Section 1692c in Title 15 of the U.S. Code Under this section of the Fair Debt Collection Practices Act, third-party debt collectors must cease contact with the debtor upon their request. I believe Midland Credit Management has further violated the FDCPA Laws which also says debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including : The amount owed That the debt collector is an attorney if they are not False threats to have you arrested Threats to do things that can not legally be done Threats to do things that the debt collector has no intention of doing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 after reviewing all three of my consumer reporting files I noticed some inaccuracies. The same day I mailed a certified letter to the U.S. Department of Education/XXXX, along with each of the 3 major credit bureaus ( Equifax, XXXX and XXXX ) challenging the validity of the alleged debts. In addition, I requested the alleged debts be removed from my consumer file since it hadn't been validated by the original creditor ( Myself ). Despite the U.S. Dept of Ed and the bureaus receiving my request as of XX/XX/2021, I have yet to receive any remedy in regards to this matter. Considering the accounts are unvalidated and are negatively impacting my creditworthiness the investigation into these alleged debts are urgent. Moreover, both the alleged creditor and respective bureaus are in violation of several federal consumer finance laws. For example, Truth In Lending ( TILA ) 15 USC 1605, which defines a 'finance charge '. In short, a finance charge is defined, as the sum of ALL charges in ANY consumer credit transaction. If I understand this correctly, if I'm the original creditor and I extended my credit with the use of my social security number with respect to this consumer credit transaction, according 15 USC 1605 all I would be responsible for is the finance charge. This is a willful violation of my consumer rights.

Pursuant to 15 USC 1681 ( FCRA ), Congress finds that the banking system is dependent on the fair ( not unjust advantage ) and accurate ( providing value ) credit reporting. Unfair credit reporting undermines public trust in the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid bill in full on XXXX ( attached bank statement for proof ) Received a {$30.00} late fee bill. XXXX XXXX XXXX called was told this would be removed. XXXX another bill with additional fees called again would be removed,XXXX looked online not removed, talk to XXXX # XXXX told me all would be removed, XX/XX/XXXX XXXX XXXX XXXX  said she would remove yet another charge of {$1.00} ( that was removed but not {$60.00} ) XXXX XXXX told me I had a XXXX balance. Looked online now have a XXXX   balance. Started contacted by email XXXX I am not getting a straight answer as to why this was not removed after providing proof of my bank statement where bill was paid in full and on time. 
Since I submitted proof and have called and email they are still saying that they are going to notify the credit bureau and I still owe the money -- -which I DO NOT!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: MD
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 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