BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Debt Co LLC
State: TN
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:
Debt Co XXXX has placed a collections account on my XXXX and XXXX credit reports as a collection account, This company is not licensed in TN as a collection agency, I was not notified by this company that I had an account with them, or given the opportunity to dispute this debt prior to it being added to my credit report, This Account was listed as a New debt with incomplete information on account payment history and date of delinquent payment Debt Co XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX Phone : ( XXXX ) XXXX Appointments : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: AZ
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:
RECENTLY, I LOOKED AT MY CREDIT REPORT AND IT BROUGHT ON A TREMENDOUS SADNESS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.THIS IS HARMFUL TO MY HEALTH AND A DEFAMATION OF MY CHARACTER.I FOUND EVIDENCE THAT YOUR ORGANIZATION DID NOT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT.IN ACCORDANCE WITH SECTION 1681e ( b ) accuracy of reportof the United States Code 15 usc when a consumer reporting service creates a report on an indivdual, they are required to take reasonable measures ensure accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In a condance, this creditor has violated my rights under 15 USC 1681 sections 602 states I have the right to privacy 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC-1666-B A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand. I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.

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 2023-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have previously sent a letter to TransUnion, and XXXX XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, TransUnion, and XXXX have 30 days to respond to my dispute. This a violation of my rights.

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 2022-12-28
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a balance of {$410.00} on my Macy 's credit card which paid in full and on time last month. However, I just received another bill for {$3.00} for interest this month. I should not be charged for interest when I paid the balance in full. It even says the on the back of my statement. This is the second time they have tried to do this ( see my complaint from 2020 ).

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 monetary relief
Consumer complaint received 2022-12-28
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had an account with XXXX. I ordered two items. An headboard and modern sofa. I returned the sofa because I did not like it. The other item was an upholstery headboard which was only {$110.00}. I made my payment and verified with the representative after me paying the last XXXX since I owed nothing. She justified that. A year later XXXX hit my account stating I never paid. I called them and the representative said she didnt know why it was on my credit. I paid them off and it should not even hit my credit. They had no explanation. I asked if they could send the notes from my account where they saw it notated I dont owe anything. I have been reaching out to XXXX  more than a year. They have now sold my account the second time to midland credit management where they are saying I owe XXXX and calling and harassing me. I do not owe them XXXX. They should not even have my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
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: Account status incorrect

Complaint:
XXXX is Showing inaccurate information on XXXX, Experian, The activity date is wrong also the opened date they do not match. XXXX is showing open and XXXX is showing closed. I have tried reaching out to them but to no avail.

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 2022-10-16
Company: EQUIFAX, INC.
State: SC
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:
Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANNCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/22 I faxed my IDs & request for my NCTUE report, I was mailed a letter dated XX/XX/22 asking me to submit my IDs for verification proof? 

So on XX/XX/22 I again faxed my IDs & requested my NCTUE report. 
I received nothing from NCTUE So again on XX/XX/22 I faxed my IDs & again requested my NCTUE report, I received nothing. 

I have included my last fax and NCTUE letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.

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 2023-07-29
Company: Experian Information Solutions Inc.
State: VA
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2022-12-28
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
updated complaint CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX Depository XXXX AMERICAN EXPRESS NATIONAL BANK it is public law that the XXXX XXXX XXXX it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. An agreement was put in place as a result of undue influence, the application process would not let me move forward with the application unless I agreed and left me no other options to move the process forward. i am sure that would not have in my reasonable mind agreed to the terms they presented to me. This was an extension of credit and if I had known that i would have discriminated against with this Company like this i would have taken my credit sale to to more truth worthy bank. Someone breached their fiduciary duty because my right to opt out was either altered or not included when i was influenced to complete the application process which would leave American Express unjustly enriched by the " terms ''. I wasn't given full disclosure that I had the Option to opt of having my non pubic personal information shared with any third parties. Us young people today have a reliance on the terms and agreements provided to us by the financial institutions, and these practices have left me in extreme emotional and financial turmoil. American Express has been in Business long before I was born and today could not possibly expect me or any other young person us to understand the legal jargon in terms and agreement. It is should be written in plain langue according the Plain Language Act so that any reasonable consumer could and should understand what is being presented to them. as I could not understand the great number of pages that was presented to me in simple terms. Who authorized this method of extending credit and costs thereof in American Expresses company. I did notice that if i were to have the account opened under their current policies have been underwritten on the basis to make repayment to the balance. Is this an attempt finance an Extortionate extension of credit because it looks a lot like XXXX XXXX. American express needs to ensure thats its company has a process to take prompt corrective action if the decision-making processes it uses produce deficiencies or discriminatory results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
My credit report and score have a major impact on my financial opportunities. Toyota Financial services reported inaccurate information to credit bureaus multiple times. TFS investigated the issues and agreed to fix the inaccurate reporting. However no compensation was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: FC HoldCo LLC
State: NC
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 filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

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 2022-12-29
Company: Weber & Olcese, PLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On or about sometime XX/XX/2022 Weber and Olcese threatened me with garnishment of my payments of Supplemental security Insurance and Social security XXXX insurance and began taking payments under the guise of saying that I had volunteered. I never volunteered anything. I never agreed. I asked them to send me paperwork and they could not produce anything but garnishment paperwork. This forced me to have to file for bankruptcy. I was looking to open an XXXX account and researched and came across this : XXXX  : XXXX XXXX, depending on the type of debt. Retirement, spousal and survivor benefits and Social Security XXXX XXXX ( XXXX ) can be garnished to pay child support and alimony ; court-ordered restitution to a crime victim ; back taxes ; and non-tax debt owed to a federal agency, such as student loans ( although these are largely immune from garnishment during the government 's pandemic moratorium on collecting student debt payments ). 

This was a credit card debt, therefore it did not meet criteria to be garnisheed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Consumer Portfolio Services, Inc.
State: NC
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 filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: GA
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:
Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, so be it, and ; XXXX. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; XXXX. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; XXXX. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time. 

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a payment of {$2200.00} dollars on XX/XX/2023 and Venmo suspended my account when I tried to transfer it saying my card was linked to another account and I never gave anyone authorization to use my card for anything and now I submitted multiple times my bank statements they were asking for via email and they are saying that that's not what they are looking for. The last lady I spoke with said an email would be sent in 5-7 business days. I received an email saying upload my ID and bank statements in the next few days and I did exactly what they wanted me to. I am positive it's the right card and the statements they repeatedly asked for and they are saying it's not what they need and it shows it is and the last four digits of the card is on the transactions list as well. They are not specifying what exactly they are looking for and at this point I don't think they are looking for anything. My funds are still stuck on this account and I had to pay rent since last week. They repeatedly send an email saying it's not what we are referring too but it definitely is. I submitted a ticket on the venmo account today because that's the company I'm referring to. I told them what I'm telling you now and I'm getting frustrated because I also uploaded the files as well. They are so vague and not explaining to me why they are just holding my funds. " This cause tremendous amount of stress and can possibly lead to eviction if my landlord pushes the issue. " Please unfreeze my account. I gave you guys everything you requested and asked for. " Exactly what I told them and they are still doing nothing and saying that the ones who can unfreeze my account is unreachable what app does that? Who just holds people funds and say it's nothing they can do?

Company response to consumer: Closed with explanation