BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: Francy Law Firm, P.C.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was sent a letter in the mail XXXX XXXX2020 from fancy law firm in regards to a charged off auto loan that I had with XXXX XXXX XXXX as soon as I received the letter I called them to see what my options were I offered to make a XXXX dollar payment arrangement a month until I can go back to work when I will be able to pay XXXX dollars every XXXX and XXXX of the month which are my pay periods they told me that those options would not work I will have to pay more than that because the interest rate is over XXXX percent I still explain to them what my income was and the representative that I spoke with said they will Sue me and they will also try to reach out to the other party listed on the auto loan. On XXXX XXXX   two thousand and twenty a representative named XXXX contacted me I missed her original call so I called back about an hour or so later I again explain to them the payment arrangements that I could pay and at that time XXXX became very aggressive and very rude she said that I could have paid my stimulus check for the debt I could have used my unemployment I told her I didn't have any unemployment to give at the moment she said they could take my unemployment XXXX also said they will continue to call until it gets resolved or they will Sue me in court she also stated that she would contact the other party which is my great aunt on the loan she asked me what kind of income my great aunt had what I had on her and I told her I had none to give, and she continued to just get more and more aggressive and very, very rude, every time someone calls from this law firm, they are very rude and nasty, they threaten you, I understand that they do not have to go with the payment plan that is offered, however, they still need to be able to handle calls in a well manner, they should not treat people the way that they have been treating them. When I first reached out to this law firm, the very first representative I spoke with said the minimum amount they could take was XXXX from me, however, she did not reiterate if that was every XXXX weeks, every week or every month, so if me offering XXXX every XXXX and XXXX, once I go back to work, is not suitable, they should have never told me that amount if that was a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX charged off my auto loan after they told me that I could voluntarily surrender my automobile in 2015 and I wouldn't owe anything but the three months late payments. They have continued to harass me about paying the outstanding loan of the car after several years of disputes about the amount being incorrect. I did pay a company a XXXX dollars toward the outstanding amount for the three months of late payments but now, this new company NCB Management was sold my file and it seems illegal that XXXX XXXX XXXX charged off my debt and received compensation by way of taxes, and now, according to the fair credit reporting act are required to drop this from my credit report. I also noted that NCB Management Services sent me their notification from an address associated with an address as part of an FTC lawsuit XXXX. The address on the mailer is XXXX XXXX XXXX XXXX NY and I suspect they are trying to illegally apprehend money from me that they are not entitled to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: U.S. BANCORP
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard credit inquiry from ELAN FIN SVCSBMW on XX/XX/2023, and I never had any business with this company. I tried to call them but have never been able to speak with a real person. They also use this phone number ( XXXX ) XXXX for my credit report, but this is not my phone number.

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 2018-02-23
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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:
I have auto inquiries on my credit score that I never gave my consent to

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 2023-03-20
Company: Colony Brands, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Seventh Ave # XXXX {$390.00} this account doesn't belong to me I was a victim of identity theft, I have attached my FTC , and police report please remove this account from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
XXXX  XX/XX/XXXX XXXX charged my amex account {$150.00} twice. Amex allowed this fraudulent post and never flagged these large charges. In previous transaction I've only charged no more than {$60.00} and less yet Amex allowed this suspecious transaction of XXXX through twice on the same day. After flagging these transactions totaling XXXX on amex phone recorded call I was not given a temporary credit. I informed amex that my account was on auto pay and that XXXX would need to be credited to avoid those fraudulent charges from being pd. I truly feel amex is not following reg d a d violating other bank regulations

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16
Company: Luckmore Finance
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:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX XXXX XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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: Their investigation did not fix an error on your report

Complaint:
I am writing to submit a formal complaint to the Consumer Financial Protection Bureau regarding the handling of my request to block information in my personal credit report due to identity theft. My interactions with TransUnion have led me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have not been adequately respected. I made a request to block specific information on my credit report due to identity theft, citing the relevant case of XXXXXXXX XXXX  XXXX as grounds to contest the accuracy and validity of the alleged debt. I have not been supplied with proof of this alleged debt, nor therefore any such debt, in face exists, However, TransUnion has declined my request based on assumptions of error or misrepresentation without appropriately investigating the matter. As per the doctrine of estoppel by silence, my failure to provide explicit proof does not imply acceptance or acknowledgment of any alleged debt. Despite my efforts to assert my rights and highlight the potential consequences of identity theft on my financial well-being, my concerns have not been addressed appropriately. Under the provisions of FCRA XXXX XXXX XXXX ) ( XXXX ), I am hereby requesting a detailed description of the procedure employed by your agency when providing all information to the creditor in connection with the aforementioned dispute. Specifically, pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it is imperative that your agency forwarded all relevant information I provided during the dispute process to the creditor for their thorough investigation. Duty to Investigate : As evident from XXXX v. XXXX, the court emphasized that credit reporting agencies have a duty to thoroughly investigate when consumers dispute items on their credit reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I have NEVER provided any consumer reporting agency with WRITTEN INSTRUCTION to report these specific accounts on my consumer report. This unauthorized inclusion violates my rights as a federally protected consumer. NO CONSENT WAS GRANTED, and the unauthorized reporting of these accounts amounts to identity theft. This duty is essential in ensuring the accuracy and integrity of credit reports and protecting consumers from the harmful consequences of identity theft.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXXXXXX {$710.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Bank of america is a very reputable bank and has been for a long time. During covid-19 there was definitely a change in their customer service and dealing with customers day to day basis. I had many problems with my credit card and they were unable to help me. My credit score dropped more than XXXX POINTS! I was experiencing many hardships and they were unable to help. I reached out many many times and got a weak excuse. They need to fix my credit report now.!

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 2023-04-12
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-05-30
Company: EQUIFAX, INC.
State: IN
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:
I told XXXX, XXXX, and Equifax to reinvestigate these accounts. XXXX XXXX XXXXXXXX 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 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency my 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: NRA Group, LLC
State: NY
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. My name is XXXX XXXX. I have recently learned I've been a victim of identity fraud. Someone has been using my name and social security number. opened a XXXX   XXXX Account from XX/XX/XXXX-XX/XX/XXXX. I have filed a police report against this delinquent account. 
I have also seem to have taken a loan in XX/XX/XXXX for a school by the name of XXXX XXXX XXXX that is no longer open and there is no information that could be given. this student loan have been dragging my credit for the past years for a delinquent account in which i do not feel responsible for. i did not receive these services. 
My last income federal tax was garnished due to this delinquent account. and i have no where to dispute this since school no longer exists.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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 Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my 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 explanation
Consumer complaint received 2020-06-11
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 disputed late payments with XXXX on several occasions without any results from XXXX for the 3 major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only 2 statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: IN
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 have tried several times to resolve these fraudulent accounts. 
The investigation into these fraud accounts was not properly conducted according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, genera 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 did not do this. 

Also, they have violated my rights even more with continuous reporting these fraud accounts to my credit file. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. These are fraud accounts. 
The Credit bureaus stated my account was properly investigated but how is that possible with no accuracies? 

They are also violating the law at this point, according to 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. 

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 2023-05-30
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened this account on XX/XX/XXXX at XXXX XXXX, since I opened I never receive the debit card and also the pin. I tried to request trough the online banking but I was requested to call customer service, I called customer service and they cant do anything. 
This is the second issue since I opened the account so please fix all with my profile

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