BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-03
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was a XXXX vacation package from XXXX that I have never reaped or received benefits from. Our Attorney has confirmed this is a bogus/scam and the documents are in XXXX. The XXXX XXXX, XXXX, turned this over to a XXXX XXXX in California, Monterey Collection Services, and as of XX/XX/2020, this company reported to XXXX and was reflected on my XXXX Credit Report as a derogatory Account owing {$20000.00} and the amount increased to {$22000.00} the following month. 

I reported XXXX to the XXXX XXXX XXXX on XX/XX/2020 and the XXXX  was unable to locate the company or the company is no longer in business and therefore the XXXX has closed the complaint. 

XXXX needs to send a " Cease and Desist '' Letter to the the Collection Agency in California, Monterey Collection Services, and Monterey Collection Services and needs to take this off my XXXX Credit Report. 

Per my XXXX Report, as of XX/XX/2020 the Derogatory amount was reported as {$20000.00}. 
As of XX/XX/2020 the Derogatory amount was {$22000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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: Investigation took more than 30 days

Complaint:
I have not receive any response from the bureaus and I have sent multiple dispute letters to them. Not even a letter in the mail or by email. This outrageous and plan out unfair. I want these items deleted from my report immediately. Like right 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 2023-09-23
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A request for AWA Collection to validate the debt they are trying to collect from me was requested in XXXX of XXXX. I also requested copies of a signed contract i have with AWA Collection that would create a contract with them giving them authority to report through the company AWA Collection on my credit report. They did not validate or respond to my request in writing or via email or any other form of correspondence. 
This is a violation of 15 USC 1692g and the FCRA provides remedy for that violation in 15 U.S code 1681n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Account in question : Account name : AWA Collect Account number : XXXX Account type : Collections Date opened : XX/XX/XXXX Status : Collections Account Date Last Reported : XX/XX/XXXX Balance : {$500.00} After I disputed this account with AWA they have continued to harass me by increasing the account {$1.00} ever month and reporting that increase to the credit reporting agencies. This is a violation of 15 U.S code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Second Round Limited Partnership, Austin, TX Branch
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I only have one XXXX XXXX account and not two. I have a XXXX XXXX account and a XXXX XXXX account. XXXX violates the consumer protection law by having two duplicate accounts on my credit report. I assume that when comenity sold the debt to second round XXXX they are also reporting me. These two account have different account numbers which I find extremely odd. This is FRAUD. Please see previous complaint regarding Second Round and XXXXXXXX XXXX. I plan on seeking a lawyer and suing XXXX, XXXXXXXX XXXX and Second Round XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: OLIPHANT FINANCIAL, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Oliphant received my first complaint with no remedy other than they're willing to work with me. There was no mention of inaccurate and expired information submitted to XXXX and how they plan to resolve it. 

Below is an excerpt of their previous response : Please allow this correspondence to serve as the formal response for Oliphant Financial , LLC ( Oliphant ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. Oliphant takes these complaints very seriously and we strive to ensure that we conduct business in a legal, professional, and courteous manner. Upon receiving the Consumer Financial Protection Bureau complaint, Oliphant immediately requested that the account be restricted, and the account details reviewed as they pertain to the allegations of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
HARD INQUIRES POSTED ON XXXX AND EQUIFAX AS STATED AND DATED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ============================ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XX/XX/2022 TransUnion ===================================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a XXXX  Banking checking package with Citibank online on XX/XX/XXXX. The opening deposit of {$100.00} was funded through an ACH transfer from my checking account with XXXX XXXX. I then initiated a transfer of {$49000.00} from XXXX XXXX  through ACH on XX/XX/XXXX. The funds were deposited into my Citibank checking account on XX/XX/XXXX. The balance at that time was {$50000.00} I then received an email on XX/XX/XXXX saying my Citibank checking account will automatically close in 60 days. The final statement for the account was generated for the period XX/XX/XXXX to XX/XX/XXXX where it showed a withdrawal of {$50000.00} on XX/XX/XXXX. I was hoping to receive a check for the balance ( as was also stated in the email of XX/XX/XXXX ), but I haven't received any check yet. 

I called Citi and they said they can not send a check, but the funds were sent to the " ledger '' and asked me to initiate a claim from the funding bank ( XXXX XXXX and XXXX XXXX  ). I tried filing an ACH claim from XXXX XXXX, which was denied saying that the fund transfer was initiated from Citi. 

There is no Citibank branch in my state and I am not able to find anyone to help me get my funds back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
I entered my new mailing address on the bank ; s website, but it rejects it as invalid. I tried doing so several time over many days. But, the USPS delivers my mail to this new address, and all other entities had no problem updating my address. Customer service states that the data base the bank uses rejected it because my new address is not in the data base the bank uses. Clearly, the bank is incompetent. I no longer receive statements and can not use my card because of this. The bank 's cavalier attitude is not in the public interest. Its IT executives should be fired!

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 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My credit card payment was due XX/XX/2022. XXXX days earlier I scheduled a payment for XX/XX/XXXX on the bank 's online website. I checked all specifics twice to ensure accuracy. Yet, the bank did not process my payment until XXXX day after the due date, on XX/XX/XXXX. Consequently, it charge me a {$25.00} late fee and {$6.00} in interest. For XXXX years I have always paid the bank on time. Either the bank criminally manipulates payment dates or the bank 's software and data are corrupted. Whether intentional or unintentional, the bank is stealing money from the consuming public.

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 2022-04-08
Company: EQUIFAX, INC.
State: MS
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account has been locked since Monday XX/XX/XXXX and I have called multiple times and havent spoken to anyone to get the issue cleared because I have been on hold for hours at a time. And when I have spoken to someone I always get let me transfer you and sorry I cant do anything on my end. I have no access to my money and no access to my account. Im completely locked out. And USAA has done nothing to fix the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX  XXXX XXXX Balance Owed : {$430.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into settlement agreement with XXXX XXXX on behalf of Capital One and overpaid by {$750.00}. I have provided documentation for months from myself and an attorney. They are still returning. to refund the {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 FCRA name of accounts has violated my rights. 

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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED 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 non-monetary relief
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 non-monetary relief