BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Home Depo is still reporting Incorrect High Balance History and Inconsistent Dispute Responses to the Credit Reporting Agencies. They claim they are not in their XX/XX/XXXX response to my CFPB COMPLAINT. ( See attached Screenshot of my XXXX Online Dispute Results ) I was advised by an XXXX Representative that as of XX/XX/XXXX, the Home Depot Account was being processed to be DELETED from my Credit Report by all Credit Reporting Agencies. ( See attached XXXX Report awaiting Deletion beginning XX/XX/XXXX ) Citi Bank also admitted in their XX/XX/XXXX letter of Response to the CFPB that Home Depo did not provide them Documentation during the Investigation Period ( 2 Billing Cycles ) of my XX/XX/XXXX Dispute. 
They also admitted in the above mentioned letter that 4 Billing Cycles later, they Charged me again for that same Disputed Purchase of {$2900.00}. This is a breach in their Credit Card Contract Regarding the Dispute Process. 
They continued to Bill me for the Disputed amount with Interest, and Included it in my Total Balance, therefore Reporting Incorrect Information to the Credit Bureaus.

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 2017-04-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been disputing a debt for verification and validation with Experian credit union for a total of four month as of now. I have been unsuccessful at being provided with the method of verification that the credit bureau utilized. On XX/XX/2017 I spoke with operator by name ( XXXX ) operator ID number of XXXX, and requested via telephone for method of verification and she failed to supply me with any contact information of how this debt was verified with the creditor. Ive attached letters that Ive written to the creditor as well as the credit reporting agency and has not received any requested information from either companies to validate the accused debt. At this time Im requesting that CFPB ask of each company to supply me with the requested information as written in the attached letters to validate the debt of accused by 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 2022-05-01
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
1/ As part of a company reimbursement, I received a crypto-transaction in the form of XXXX via the XXXX network in the amount of {$44000.00}.

2/ The Binance account from the sender had XXXX as an option to send to my Binance.US account, per the image included in XXXX, in which XXXX is the domicile of the operating company.

3/ The funds were properly received per the transaction hash, which is verified by the attachment labeled " transaction verification. '' 4/ The account on Binance.US shows that the XXXX was received and acquired by my Binance.US-custodian wallet, but for the last 10 days, it has been under " awaiting confirmation. '' I have no able to access the funds. 

5/ The website for Binance.US includes support for the XXXX network. 

6/ My funds are unable to be recovered, and given the amount of roughly {$45000.00}, I will be in significant financial distress if I can not get these funds recovered or sent back, as I am personally liable for the reimbursement charges.

7/ XXXX  transactions are irreversible, so the best solution would be for Binance to return the funds back to the original sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 SECTION 604A SECTION 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions. 15 USC 1681C ( a ) ( 5 ) 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 7 years. 15 USC 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 the information is inaccurate. The following accounts are being disputed : Account Name XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 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 an 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 or 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 2022-05-05
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2022-05-01
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act has violated my rights. 
Sec. 4021. Credit protection during COVID-19 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 2021-07-15
Company: ASG Solutions LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My sister received a call from XXXX XXXX " claim XXXX '' stating that he has legal documents to issue for me. To mention he never made any calls, nor provided any written communication to me. I return call to number provided XXXX XXXX XXXX  and it went immediately to voice mail of XXXX XXXX now Claim Director no longer investigator. I left voice mail with my name and contact informations. Shortly after I got call from XXXX. I answered and another female XXXX XXXX called and said that she is there to work with me on settling my debt. She told me that I owe {$1900.00} to XXXX and that her company ASG Solutions LLC is hired to collect debt. No official " This is an attempt to collect debt '' I informed her that Advance.cash. com was not licenced in my state and that I spoke with them informing them that I will stop making payments until they provide me with information that they are legal to operate in State of Nevada. I made total of 5 payments for {$240.00} each on {$900.00} loan before I stoped making payments to them. They never provided info back. I ended up paying {$700.00} with XXXX just to stop disturbance of my parents and sister. I believe XXXX XXXX lied and make false claim about legal documents. They used unfair collection practices on loan that is not enforceable. Contacting others then me was wrong as well. They had no records of any written communication to me. I wasn't allowed to dispute the debt as per law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-29
Company: Exeter Finance Corp.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/2016, - a notice of direct dispute was sent to your agency with regard to the above numbered account for XXXX XXXX XXXX. Within that notice it was specifically delineated that Exeter Finance is reporting inaccurate information to all XXXX Consumer Reporting Agencies ( XXXX/XXXX/XXXX ). Particularly, the dual reporting of a single numbered account ( see above ) ; the inaccurate reporting of monthly payment amounts received by Exeter Finance ( XXXX statement-see attachment # 1 ) ; and the inaccurate 'amount owed ' from receipt of said payments. 

2. On XX/XX/2016, - Exeter Finance acknowledged " an update was required for the information reflected '' on each Consumer Reports ( Exeter Letter-Attachment # 2 ). However, upon subsequent review of Exeter Finances reporting -- XXXX different postings of the same numbered account are showing ; and the inaccurate annotation of the 'amount owed ' from receipt of payments is still present ( See trilateral report-Attachment # 3 ). 

3. To date, Exeter Finance has received payments totaling {$2900.00}, which were to be applied wholly to the principal of the original loan. The original loan amount for this numbered account is {$17000.00}. Therefore, the accurate reporting of said numbered account should be {$14000.00}. 

4. The Retail Installment Contract and Security Agreement ( Contract ), Sales Agreement Section states, " You promise to pay us the principal amount of {$17000.00} plus finance charges accruing on the unpaid balance at the rate of 26.00 % per year from the date of this Contract until paid in full. Finance charges accrue on a 365 day basis '' ( Contract-Attachment # 4 ). However, on each monthly billing report it states that the finance charge has a " daily '' accrual. This directly violates the terms of the signed contract. 

5. Title 16, Chapter 1, Subchapter F, Part 660 expressly prescribes the 'Duties of Furnishers of Information to Consumer Reporting Agencies : 660.4 ( e ) Duty of furnisher after receiving a direct dispute notice ... ( 4 ) If the investigation finds that the information was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Check Fraud Services
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company keeps calling saying I have a returned check from 20yrs ago and threatning court action but they will not send anything to me in the mail proving it is my debt, I have requested more than 3 times that they stop calling and mail something to me so I can see the prof ... ..they are also calling my mothers phone, my fathers phone and my house and cell phone, I havnt spoken to my father in over 17yrs and what could my mother possibly have to do with it? 
other numbers called as follows ... ... 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-05-12
Company: Retail Merchants Associates
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There was an ORAL TRADE FOR LABOR agreement between myself and XXXX XXXX XXXX back almost XXXX years ago now for an exchange of labor services for XXXX work. 

He let me do ALL of his XXXX work in exchange for no bills promised on XXXX work and sent me to collection almost ten years later. 

I 've notified the Credit Bureau of Louisiana that the debt is invalid as I never agreed nor signed to any charges what so ever with XXXX XXXX XXXX ( nor would I have ever agree to pay his prices in the first place, I was a broke college kid ). 

They sent me a copy of what looked to be a Word Document with no signature proof, no verbal proof and no authorization from me what so ever for authorization of a charge/contract. 

The credit bureaus have been removing this, and the CBOFLA keeps adding it back on after it has been disputed off, which is illegal as well as far as I 'm aware. 

CBOFLA is the Credit Bureau of Louisiana for reference.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-01
Company: ALLY FINANCIAL 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:
My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately 2-3 months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable

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 2018-11-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and XXXX XXXX   responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. XXXX XXXX has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.

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 2023-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block the items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX, 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 2023-02-19
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: Account information incorrect

Complaint:
XXXX. Name of Account : XXXX XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX  XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX Account XXXX : XXXX All of these accounts have violated my rights. I do not believe these accounts are verified as well. Opened Date, last reported date, date last active, and date of last payment are all inconsistent from XXXX, Equifax, and XXXX. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 s-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