BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I disputed the validity of 3 accounts being reported to my credit by this company. ( acct # XXXX, acct # XXXX, and acct # XXXX ) I requested validation in writing. This company never responded. I have never received a collection notice from this company advising my rights to dispute. After my 2nd credit report dispute and written letter sent in XX/XX/XXXX demanding them to cease collection efforts and remove their tradeline from my credit due to FCRA violation, they finally responded advising the following : " My company believes the law in question only applies " if the consumer notifies the debt collector in writing within the thirty-day period '' of when the debt collector sends notice of the right to request validation '' The information they sent me was not complete and I feel that I should not have to continue back and forth with them as it has already been 7 months and they have had ample time to respond and provide complete proof of the debt as I had originally requested. I did my due diligence and they did not. 

If they NEVER sent me a letter advising of my right to dispute, how could I be aware? 
I was first notified of this debt when I took the initiative to pull my credit in XX/XX/XXXX. I immediately contacted them and requested validation and gave them 30 days to respond. They failed to respond. I believe this account has frivolous charges on it that I never agreed to and I also do not agree with the services that they claim they are billing me for. They have not provided me with a signed document that states I ever agreed to the fees they claim I owe. 

Their response to me is not a true statement per the FCRA. The law states if they do not validate the debt when requested and within a reasonable time frame, they must remove their tradeline. The FDCPA states if they can not validate the debt then they must stop collection activity and close the account. This company 's opinion of the law doesn't excuse them for not complying with FCRA and FDCPA requirements. I gave them a fair amount of time to respond and they did not bother to respond until 7 months later after another written letter was sent to them threatening further action if they do not remove this from my credit and stop collection activity. I will also be filing a XXXX and attorney general complaint against this company as well as seek legal action for failure to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Unemployment with the State of Ohio was filed on XX/XX/2021. 
I opted-in for the affiliated bank to XXXX to send debit card. 
I was told on a few occasions that the card would be send. 
I received a letter in the mail on XX/XX/2021, dated XX/XX/2021, that my request would be processed XXXX almost 2 months ). The letter have erroneous information, basic information of my address. At this point, my livelihood is threatened. I communicate with the State of Ohio, and in these historic times, their stance is I must deal directly with the bank. There are funds in the account, with others to be forwarded to the account. With the neglect and sheer incompetency of this bank, their actions are causing much harm to my very delicate financial stability. I am sure ... I am not alone is this process of banks and government creating winners and losers, at an American citizen 's expense.

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 2023-09-20
Company: MOHELA
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been on an Income Driven Repayment plan, specifically REPAYE, since 2021. I was automatically moved to the SAVE program this summer, but my original REPAYE  payment amount of {$82.00} did not update to the lower SAVE payment. 

On XX/XX/XXXX, I called and spoke with an agent about this. The agent agreed that his payment should be about {$41.00} on SAVE and said he would submit a request to fix it. It turns out that he submitted an entirely new application, despite me already being in the program. I decided to wait and see what would happen - but then I saw that in my MOHELA portal the payment amount went up even more to {$210.00}, which is almost five times what he should be paying. I called and spoke with an agent who again calculated the SAVE  payment amount, said it should be {$41.00}. I was told to wait for the application to be processed and that it would be fixed. 

The application was again approved, but the payment is again incorrect - {$130.00}. I called today, and was told that the calculation missed my wifes student loan debt even though this number was provided both in my initial application for REPAYE and in the second application for recalculation. They are now doing a third recalculation to lower this payment. I asked her about the interest that is growing and my PSLF payment count due to the forbearance they put me on while I wait. There is no resolution to this despite it being their error. I was encouraged to follow up at the end of XXXX, since this has been ongoing. 

I am extremely frustrated since this is obviously their error. I was on REPAYE with the correct information, but somehow my information was screwed up while transferring to SAVE. There is no ownership, nor is there any timely resolution being made. I can not afford what they are asking me to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Subject : This account is under the XXXX  XXXX XXXX   Program This is to notify you that this account is being processed by the XXXX XXXX XXXX  Program and Ive been instructed to NOT make further monthly payments so that it can be negotiated and processed under the XXXX XXXX   XXXX Program. This is my formal notice that this account # XXXXXXXX for {$1500.00} will be handled by XXXX XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Continental Finance Company, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The information on the back of the card is not valid information to determine if the account has been sold. I've tired the information on the back of the card I still have in my possession but the automated system is not transferring me over to get a live operator. the website is no help either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
15 u.s.c 1681 congressional finding and statement of purpose .please removed hard inquiry off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harvard collection agency is trying to collect a debit do not owe. I reported this agency it came off of my credit report last week and now its back on. I have a collection agency, and they stated that it was from the government of Illinois I havent reside in Illinois for over 37 years I have proof that Ive been living in Florida I sent this information I sent this information to your company. It was taken off of my credit report last week and now they put it back on. Im very upset about this. I feel this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. 
I told XXXX, transunion, and XXXX to reinvestigate these accounts : XXXXXXXX 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 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 that the information is inaccurate. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b

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 2019-06-18
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
American Express accounts under my name were taken over and fraudulently used by a criminal organization without my consent or authorization. I filed a police report back in 2017 due to the nature of the complaint and the detective needed various proof of information that took me over 15 months to gather to finalize the police report. I have tried to resolved the matter with American Express with no luck. Then 2 months ago I filed a XXXX  complaint for them to respond which they never did. Now I am trying through the CFPB portal to resolve these debt and learn them out of my name. I was a victim of identity and fraud and don't understand why I had to jump through hoops being protected by my credit card companies in these matters. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/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 2023-10-25
Company: EQUIFAX, INC.
State: NC
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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
On the date of XX/XX/XXXX of 2021. I have an inquiry in XXXX XXXX Texas. I have never been there and i would like to solve this problem because it wasnt me who tried to do something with my credit account

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 2019-06-18
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/XXXX i leased a 2016 XXXX XXXX for 3 years, and during these years and all my bills were paid on time, and have received multiple calls from Audi financial in regards to assistance with my then account. I return the vehicle in great condition and 10 thousand miles under the yearly usage limit and Upon the return was not made aware from any Audi service member I would be receiving a additional bill or any other notices, and I did not any receive any letters or calls. Six months later i receive a call from a collections agency stating that a bill of over {$500.00} dollars from Audi claiming damages to the vehicle. Before returning the vehicle I recently moved to another residence, so any notices via mail that Audi sent were not received but Audi made no further effort to contact me although they have my direct phone number and have had no trouble contacting me previously. I believe best practices and efforts to settle whatever account issues were not exercised and now my credit has been severely damaged because of this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX statement for my XXXX 's account showed a remaining balance of {$180.00}, due XX/XX/2023. On XX/XX/2023, I submitted payment in full ( {$180.00} ). For some strange reason, and unbeknown to me, on XX/XX/2023, Comenity charged my XXXX 's account {$2.00} for interest on purchases. This {$2.00} amount was due XX/XX/2023. What purchases? There were no additional purchases once I fully paid my balance on XX/XX/2023. Because I wasn't aware of this {$2.00} balance due in XXXX, it was not paid. On XX/XX/2023, my account was charged another {$2.00} late fee. It was also subsequently charged another {$2.00} on XX/XX/2023. By the time I became aware of this issue, the balance due on my XXXX 's account stood at {$6.00}. 

I've never had any other clothing credit card charge interest after the balance has been paid in full! I've never missed a payment, nor been late with my payments. More often than not, my payments have well exceeded the minimum amount due. This is a shady business practice that has the potential to negatively affect my credit score, and for what? My account NEVER should have been charged anything after paying the balance in full! 

As soon as I became aware of this situation on XX/XX/2023, I called Comenity and spoke with XXXX. After consulting with his supervisor/manager he didn't remove each charge, but rather credited each one. While this clears my account, it still has the potential to damage my credit report by reporting a late payment history. I want to ensure my credit report reflects the correct payment history, absent of any late payment.

Company response to consumer: Closed with monetary relief