BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : 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 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 2023-03-24
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was totaled in XX/XX/XXXX. My car insurance company, XXXX XXXX, sent a payoff check to Ally Financial in XX/XX/XXXX. I received a paid in full letter dated XX/XX/XXXX from Ally Financial. In XXXX I received a phone call stating I was late with my payment. I asked them to provide me with a payoff balance. They said they could not give me a payoff amount and transferred me to the title dept. They confirmed my account was paid in full. In XXXX they provided me with a remaining balance due amount but had already negatively reported my account to the credit bureau. I agreed to pay the balance if they would send something to the credit bureaus to remove the 30 and 60 day lates showing on my credit report. They said they would have the delinquencies removed once the balance was paid in full. I paid the total balance off on XX/XX/XXXX. They have not removed the delinquencies. They sent me a new paid in full letter dated XX/XX/XXXX with the same account number and information as the previous paid in full letter dated XX/XX/XXXX. I believe this error occurred, because Ally financial sent out incorrect information, and did not follow up in a timely manner to provide me with an outstanding balance. Therefore I do not think my credit should be negatively affected for there 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 non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent the credit bureaus ( Experian, XXXX XXXX XXXX ) a letter of investigation, to conduct and verify everything on my credit report is 100 % accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX The credit bureaus stated that my accounts are property investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is ground for removal as they also violated my rights under.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States that I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It states that a consumer agency can not furnish a account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ). States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2023-01-23
Company: NCB Management Services Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB XXXX XXXX XXXX is violating my consumer rights under the FDCPA. I have not signed a contract with XXXX XXXX XXXX or NCB Management Services Incorporated. I have no knowledge of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX shows that experian has reported this again after it was removed from other bureaus police report was submitted and its past the 30 days they can not put back this disputed I'd theft iteam

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 2023-05-05
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 XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : 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 2019-01-31
Company: Jim Bottin Enterprises, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I signed up for a {$20.00} per month membership with XXXX XXXX. In XX/XX/2018, I told XXXX XXXX I wanted to change to a $ XXXX month membership. I tried changing the membership a couple weeks before my year was up, and they told me I needed to wait until late XX/XX/2018. Right after the year of {$20.00} per month ended in XX/XX/2018, I went in and changed my membership to a {$10.00} per month membership. I was told there was no charge for the change.

My {$39.00} annual membership fee was charged to my account on XX/XX/18. I just looked at my account and noticed I was charged an annual membership fee again on XX/XX/18. I contacted XXXX XXXX XXXX ( who recently purchased XXXX XXXX ) and was told that when I switched to the $ XXXX month membership, I was charged another annual fee because it is a new contract. XXXX, the Manager, said that my new annual fee would be in XX/XX/XXXX now instead of XX/XX/XXXX, and there is nothing he can do. If I was informed there would be another annual fee charged, which I was told would not happen, I would not have agreed to it. XXXX says he can not return the money. When I told XXXX I was going to file a complaint, he said, " Go ahead. '' Another issue is that my debit card was compromised. I had to get a new card issued. XXXX XXXX called to let me know I needed to update my account information. When they told me that there was going to be a late charge, I told them to cancel my account, I didnt want the membership if it was going to cost me extra money. This conversation happened, I believe, on XX/XX/18. I was told that the only charge to my account would be for {$10.00} and all other fees would be dropped. However, I looked at my bank account today and I have a charge for {$10.00} Club Fee and a {$20.00} charge for Club Charge - which was not authorized. So, now a couple of days after I said I did not want the membership if I was going to be charged extra money, and they promised it would only be {$10.00}, I end up with an extra {$20.00} charge and have to cancel my membership anyway! If I had cancelled it when I said I wanted to, I would not have the extra {$30.00} taken out of my account! THEY FLAT OUT LIED TO ME!

The total amount that was charged against my account, which was not authorized, and I was told would not be charged is {$59.00} ( {$39.00} extra annual fee, {$20.00} Club Charge ). However, since I had to cancel my account due to their false information, I believe I should also get the $ XXXX monthly fee that was just paid yesterday. My total amount in dispute is {$69.00}.

The XXXX XXXX XXXX  Manager, XXXX, told me that there is nothing he can do, and the charges are not going to be reversed. Very, very poor service!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I recently applied for the US bank XXXX card. They were offering a sign up promotion to meet a minimum spend. I met the minimum spend and US bank promptly closed my account for no legit reason. In an attempt to remediate this issue, I called US bank several times to try and fix they issue. All the representatives are claiming to not have received the information I sent in even though I sent the documents several times. They are refusing to reinstate my account have essentially robbed me of the sign up offer I was promised.

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 2021-02-27
Company: AVANTE
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:
XX/XX/2021, ( XXXX ) .. This company places a collection on my credit report without sending me any information about this debt, I never received a call or a letter. I've been living in the same place for over 5 years. This debt doesn't belong to me and I would like for this debt to be removed. I've never heard of this company called ( AVANTE USA ). I reported this situation to the XXXX XXXX XXXX and I'm in the process of disputing it with XXXX. I believe these collection company 's are preying on people during this covid-19 pandemic. I would like for this collection to be remove and for them to send me proof that this debt belongs to me so I can disputed it Asap! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX I was injured at work. Unfortunately, my injuries required ongoing medical treatment prohibiting me from working. Immediately, I notified XXXX in writing that I was not working and included the contact information for my attorneys so they could confirm this information. 

On XX/XX/XXXX I was struck by a large SUV ( hit and run ) necessitating I be transported via Ambulance to the University of XXXX  at XXXX. These new injuries exacerbated my already infirmed condition. XXXX XXXX XXXX -- my XXXX XXXX XXXX " totaled out '' my vehicle leaving a balance of {$2700.00}. XXXX XXXX sent XXXX a check for {$10000.00} and took possession of the vehicle. I never had possession of the vehicle after XX/XX/XXXX. Once again, I contacted XXXX in writing and via the Office of the President 's Client Relations department. Initially, I asked if the payments could be reduced as I was not working. XXXX told me no. Subsequently I have received a Notice of Acceleration. More importantly, they have completely " tanked '' my credit score noting " late payments. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a service from XXXX XXXX XXXX, couple of months ago I was notified that the company is insolvent due to Administration ( similar to Bankruptcy in the US ) and it can not provide a refund. I contacted my credit card provider that I am claiming a chargeback/ refund as the Company is insolvent ( being in Administration ), the card company issued a conditional credit to my account last month. Today, I received letters from my credit card company regarding the billing dispute I asked for on my card. They are concluded their investigation that they can't assist me getting a refund. I contacted XXXX XXXX XXXX and they advise me to submit a complain as I am well protected and under the Fair Credit Billing Act, and that I have a legal right to dispute charges on my credit card for goods or services I didn't receive Services not rendered.

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 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/ I have bee in & out of the hospital and doctor offices. I begin to use the funds in my Bank of America account after making payments with my cards for my out of pocket fees deductible and copays. After using my money in my account Bank of America dropped my credit balances on 2 credit cards from credit lines of XXXX to the balance of {$3200.00} and {$2900.00} actually charged balanced amounts and closed my cards. I called to find out why they done this and was told that BOA can lower the credit line whenever they wanted but provided no reason for the decision was made. 

Bank of America reported to the credit bureaus that I maxed out my cards and that they accounts were closed without notifying me. I deputed with the credit bureau XXXX and BOA send false delinquent payment info to the credit bureau when I was previously in good standing with no late or delinquent payments on my accounts. I reported Unfair Credit Reporting because I was approved for the XXXX XXXX XXXX XXXX XXXX over 2 months ago after BOA caused a chained reaction with my other credit cards causing my credit score to drop over XXXX points in 2 weeks because they reported every 3-4 days. Now I can not qualify for anything. My score went from XXXX to XXXX and they are still reporting. Once on the debit Relief Program all credit reporting is suppose to Stop. But they keep reporting.

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 2022-03-31
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2021, I received a notice from Hunter Warfield regarding {$200.00} in debt accrued by me from a housing complex in Florida. The debt is not mine- I have not been to Florida in 20 years, was out of the state when the alleged signing occurred and the information on the housing application contained clearly fraudulent information. I contacted Hunter Warfield immediately and told them this was a fraudulent debt. Hunter Warfield asked me to send in pertinent information, including my State ID, Passport information and to file a police report. I did all of this and sent my information into HW. HW then said they were going to investigate my claim of fraud. In XXXX, I received another notification of the " verification of debt, '' with the same fraudulent lease application. I again sent in the requested information. On XX/XX/XXXX, I received a notice from my bank notifying me that my Credit Score has a Major Derogatory about an unpaid debt from Hunter Warfield. I again called HW and they notified me that they have no record of any submissions of information from me and that my claim of fraud has been denied. They then told me they'd transfer me to the correct department only to hangup on me. I tried calling XXXX more times throughout the day and have not been able to reach an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
XX/XX/2023 I started an dispute online regarding ( inaccurate accounts and, Personal information ) On XX/XX/2023 I got an email stating my credit file was updated ( They stated everything was ( Accuracy ) I then looked at the updated report and once again it was ( inaccurate ) I sent off an letter on XX/XX/2023 Asking all three credit bureaus to " investigate every piece of information '' on the accounts and, Personal information I have listed below. Also I have attached the letter 's I sent out to all three credit bureaus. ( XXXX rejected my letter two times stating that the person who sending the letter wasnt me. ) On XX/XX/2023 my letter was rejected On XX/XX/2023 I sent all credit bureaus an ( Notarized letter ). And here is the tracking numbers to all letter where send to the three credit bureaus tracking # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit repot showing the inaccuracies. 

ADDRESS IDENTIFICATION # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

NAME IDENTIFICATION # XXXX, XXXX ACCOUNTS : XXXX  XXXX XXXX # XXXX. XXXX  XXXX : XXXX. XXXX  XXXX : XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these three credit bureaus : XXXX, XXXX AND XXXX TRANSUNION My health is not good these three company stop my live got me really depressed.

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 2020-08-17
Company: Unlimited Progress Corp
State: IL
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:
XX/XX/2020 Creditors Discount & Aud XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX original creditor XXXX XXXX XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$1800.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this debt to be removed from my credit file as soon as possible. 
This erroneous and illegal tradeline is damaging my credit and name greatly! Please assist.

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