BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: CITIBANK, N.A.
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 XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company 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 2022-02-16
Company: Express Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not disputing the debts that I owe ; I am disputing that the following accounts on my credit XXXX XXXX ( XXXX ) and Express Collections ( XXXX ) XXXX {$3500.00} ( XXXX XXXX XXXX XXXX ) had negatively impacted my score in XXXX. The collection companies have added the debts back to my credit report as of XXXX. This impacted my credit score negatively again. The collection accounts were added as if they were new accounts. I have been working hard on getting my credit back on track, my score went down by XXXX points once this was done. I have written all 3 credit bureaus and I have stated the rules about reaging accounts. They keep responding by saying the debt is valid, I am not disputing the validity of the debt. Please explain to me if this a good practice as I researched and per regulations this is not. I need someone to assist me on this. They credit bureau takes XXXX when you are late or fall behind, but they add XXXX points when you are back on track and making on time payments and this is not fair!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow -up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please Remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, DEPTEDXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, DEPT OF EDXXXX XXXX Balance : -, XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX MI XXXX XXXX XXXX Balance : -, Bankruptcy XXXX XXXXdismissed XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXX-dismissed XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXXdischarged XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXX-discharged XXXX Filed on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX 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 2023-01-17
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month I check the Avant app to see my statement. The statement shows my current balance, finance charges, the minimum amount due, and the due date. It then offers the option to make a payment using the checking account I have on file with the app. 

On XX/XX/XXXX I checked the app and it showed my balance, finance charge, and minimum amount due for the current billing cycle. The due date shown was XX/XX/XXXX. I used the app on XX/XX/XXXX to pay {$50.00} ( the minimum amount due was {$25.00} ). {$50.00} was withdrawn from my checking account by Avant on XX/XX/XXXX. 

On XX/XX/XXXX I checked the app to see if my next statement was available. Instead, I was met with a notification that I had missed my due date of XX/XX/XXXX and had been charged a {$25.00} late fee. Since I had made a payment on XX/XX/XXXX that was charged to my bank on XX/XX/XXXX, that payment SHOULD have counted toward the due date of XX/XX/XXXX. However, upon calling Avant " customer service '', they maintain the payment only went toward my balance and did not satisfy my due date even though a statement had been generated. They claim the payment was made on the " last day of the billing cycle '' and therefore does not count as a payment toward the next due date. I asked that this be rectified and was instead disconnected. 

I called back immediately and the next representative argued the same thing. I politely explained that I would not have made a payment if a statement hadn't been generated and they continued to argue that it didn't count toward my due date. The representative would not remove the late fee from my account and instead offered a " waiver ''. The next day I received an email informing me that the waiver was denied. 

I have NEVER been late with my payments to Avant. I have 7 statements from Avant and my bank account shows 7 payments within days of receiving those statements. I would NOT have made a payment on XX/XX/XXXX if the app did not show that my next due date was XX/XX/XXXX. I understand how billing cycles work and I did not want the payment to go toward my balance without satisfying the minimum due for the next cycle. 

Avant charged me a {$25.00} late fee for an on-time payment and now my credit rating may have been impacted. When I asked to have any record of a late payment removed, I was told " no ''. When I asked to have the fee waived, I was denied. Due to this incident, I have since closed my account and will settle my remaining balance over the next three weeks. I believe Avant is in the business of taking advantage of individuals with poor credit when we have very few places to turn. They have no interest in helping anyone but themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX XXXX XXXX ) at XXXX XXXX  XXXX XXXX, CA XXXX for a validation of a debt I allegedly owe in the amount of {$670.00}. I received a response back from XXXX that did not provide me the with the information, I had requested from XXXX which is outlined in FDCPA 15 U.S.C 1692g. In addition to this there are other violations XXXX and Experian is committing. When I sent the notification of dispute to Experian and XXXX that account was " Not Marked as Dispute ''. This is required under 15 U.S.C 1692e ( 8 ) and 15 U.S.C 1681s-2 ( B ) ( 3 ). Also, from my understanding the Metro 2 is the agreed upon Industry Standard that supposedly provides a more accurate way of reporting to ensure the " Maximum possible accuracy ''. If this is the case, then why is XXXX XXXX Account XXXX redacted? XXXX. The way that this is being reported could be any of many numbers associated to any account, which could be a mixed and merge account of anyone. This account also, fails to report the Date of First Delinquency, Date of Last Payment, and Date Closed. This is not only incomplete and inaccurate reporting but an act of defamation. I'm providing documentation to help make it easy to see my complaint.

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 2023-01-17
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

XXXX, Experian keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.

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 2023-01-17
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Global lending services open sky self lender XXXX XXXX remove account completely!! 
improperly reporting on all bureaus showing incorrect payment statuses late payments should not be reporting!! 

equifax, XXXX keeps reinserting the accounts after being removed!! This is the second time it has been reinserted without a 5 day notice or reasoning why and it is always showing balances or saying charged off which is incorrect reporting late payments being reported on my report from all 3 bureaus after being granted extension from original creditor a huge internal miscommunication! 
please assist me this is affecting me tremendously and the companies are lacking urgency and proficiency to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I went to withdraw money at an XXXXXXXX XXXX  atm with my bank of america paycard and I was going to withdraw {$160.00} dollars with the atm charge of {$2.00} it would be a total of XXXX. I received a decline transaction receipt. I thought maybe the atm was having issues so on XX/XX/25 I went to a XXXX atm to withdraw there. I checked my balance to make sure I put the right amount and it tells me I have a XXXX balance. So I went to check my account online and it shows I withdrew the {$160.00}, which in fact I did not. I calls bank of america customer service number XXXX and the ask for my card number to verify my identity then get all the info on my issue, also charging me XXXX because the balance was relayed during that call. Then tell me that they have to transfer me to the claims department, first call I wait 3 hours and finally they answer and I tell him I have been on hold for so long and he hangs right up. I call a 2nd time the next day 2 hours and 54 min wait time and a gentleman answers and I tell him what I am calling about and he says he is placing me on hold and hangs up on me. Third call 3 hours and 20 min hold time and a lady answers gets my card number and verifies my identity and I tell her all about the dispute I want to submit and she tells me that she is processing the claim and hangs up on me. Meanwhile they charge XXXX per customer service call, plus the XXXX cents everytime I call the number where they transfer and this is because the auto system tells me a balance. I am on my fourth call to them now and currently on a 1 hr 45 min wait.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 3rd 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 XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 2023-06-21
Company: CNG HOLDINGS 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: Old information reappears or never goes away

Complaint:
This item was purchased from XXXX XXXX in summer of XXXX and the company that XXXX contracted through was Tempoe. Several months after I was unable to keep up with the payments when I had an extended illness, having XXXX twice in 6 months that had a long recovery each time. The company eventually stopped contacting me, they werent reporting this on my credit reports at any agency until a few months ago. Suddenly, after 5 years they are intentionally trying to damage my credit by reporting this on my reports and calling me regarding this old account. This is way outside the collection window.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: FREEDOM FINANCIAL NETWORK
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Freedom debt relief has ruined my credit. they may have a lawsuit against them. Need help getting my money back. How do i get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: AZ
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 would like errors removed off my 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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my updated credit report, I see that you didn't investigate some accounts because they are still erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$8.00}, XXXX XXXX Balance : {$5.00}, XXXX XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX Balance : {$49000.00}, OAG CHILD SU XXXX XXXX : {$5000.00}

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 2021-11-29
Company: Ascendium Education Group
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am attempting to contact my loan servicer but keep getting the run around. The last servicer I knew about was XXXX, so I called XXXX today and was told that my loans were paid off. After further investigation I was told that my loans were actually just transferred to XXXX XXXX. So I called XXXX XXXX and they told me they did not have an account for me so the representative told me to go to XXXX to find out who my loan servicer was. XXXX told me my loan servicer was XXXX. I called XXXX and put in my personal information ( SSN and DOB ) and was transferred to a phone number for XXXX. Unfortunately for me, no one answered and there is an automated message saying to call back during normal business hours but does not say what those hours are. I was not even able to leave a message. It was only XXXX PST so I can't imagine an office being closed at this time. I tried contacting these same people like 2 months ago and have not been able to reach anyone. I just want to know who my loan servicer is and I need to be able to speak with them regarding my account. It really shouldn't be this hard to get a hold of someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
It appears that every credit card that I have that transferred over to XXXX XXXX  now have a very high interest rate, which is causing me to have to pay on my credit cards for years in order to pay them off. This complaint is for my Walmart master card interest rate. I have called and spoke with someone on multiple of occasions. I pay over {$1500.00} a year and less than {$300.00} is going on my balance. The majority of my payment goes towards the interest. I had a low interest rate when my account was opened. I would have never opened an account with the interest rate over 20 %. My current interest rate is 24.65 % and now I am being told that Capital One now have my account and they can not pullup any old information and to try back next week. I requested Walmart to reevaluate my account a few months ago to adjust my interest and I was later told that it was not approved. As a consumer it is unfair to agree to one interest rate and the business change the interest rate to whatever they want and they tell you that it was written in the small print when you accepted the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681.

XXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have 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