BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: FC HoldCo LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX. XXXX  XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Flagship Credit Acceptance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX  credit report due to inaccuracies. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with Flagship Credit Acceptance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX Cc : 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 2023-12-06
Company: EQUIFAX, INC.
State: VA
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:
I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 it also states a consumer report agency can not furnish an account without my written instructions. Under 15USC 's 1666B a creditor may not treat a payment on a credit account under an open end consumer 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 explanation
Consumer complaint received 2018-08-28
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased XXXX items from XXXX XXXX using my XXXX XXXX credit card. The first purchase was on XX/XX/17 in the amount of {$740.00}. I chose the " no interest with payments for XXXX months '' promotion. The second item I purchased on XX/XX/XXXX in the amount of {$290.00}. I chose the " no interest with payments for XXXX months '' promotion. I'm making payments of double the minimum payment due. However, none of my payments are being applied to my promotional balances, which have accrued almost {$200.00} in deferred interest. When I called XXXX XXXX, they said they were doing me a favor by only applying my payments to my regular ( non-promotional ) balance. They further said that they'd apply my payment to my promotional balance in the month that it was due to expire. That would mean that all these months I've been making payments, my promotional balances have not been reduced at all, and, to pay them off, I'll have to come up with the full amount of the original purchases the final month the promotions expire. So, the promotions mean nothing and they're scamming folks into taking these promotions when in fact they're just going to turn around and charge me almost XXXX % in interest when the promotion expires because they haven't applied any of my payments to the promotions.

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: MI
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. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX 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 with 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 2023-12-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX. Recently my husband passed away. Our account at the XXXX XXXX  XXXX XXXX XXXX XXXX was a joint account under my husband 's name. I was trying to open a new checking account under just my name and was told I could not because Experian stated I was a minor. I am XXXX years old, not a minor. I tried multiple times to get a live person from Experian on the phone because none of their automated choices were correct. I finally got to a live person. They told me I had to go to the website and upload documents proving my age and address, including a birth certificate or drivers license, and bills with my address. 

I have tried multiple times. First I was told that for no reason they couldn't process the request and I had to mail in my request. I tried again, next I was told they couldn't accept my documents because they only take PNG or TIFF documents. So my son converted my documents to a TIFF file and we uploaded them again. ( My son  informs me that these are less common file types, there is no reason why a gigantic organization like Experian shouldn't be able to upload a JPEG file like every other website can. ) When we tried to upload the documents again, now it says it can't upload color documents and we must convert the document to black and white. They asked for a picture of my drivers license, which is in color and now are saying they can not upload an accurate photo of a license. At every step Experian has gone out of their way to avoid contact. They make it nearly impossible to get a live person, then they make it impossible to resolve the dispute over the internet. For some reason they seem to only want to do business by mail. This is their mistake, I have had credit since the 1950s, and yet they are claiming I am a minor, yet I am the one being forced to jump through hoops when they should be the ones trying to fix their error. Please advise me on how to fix this.

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 2018-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express XXXX XXXX XXXX XXXX in XXXX and met the spending requirement to receive {$200.00} in statement credit. This never arrived, and it has been over 6 months. I have spoken to over 10 different representatives on the phone and online, but nobody has an answer. An " investigation '' was open but they seem to say that to everyone. No representative has the details, and are unable to answer any questions with detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am requesting for the many hard inquiries associated with Capital One Banks, credit line of increase to be deleted off my credit report. As they have admitted to having technical issues due to this overdraft line of credit that I have applied for and was approved on XX/XX/XXXX. I was told by a representative and also the security department after verifying my identity, that the overdraft line of credit should work. I proceeded to continue online with the process and the system pulled my credit again. Which added another hard inquiry. I called in again and spoke with the security department and I was told the security restriction was released after verifying my identity again. I proceeded to continue the process and I received another alert that my credit report was pulled again by this bank. Each time being approved but not being to access it. This issues is not my fault and after waiting several weeks this issue is still not fixed. So I am requesting for the overdraft line of credit increase to be cancelled due to the inconvenience and any hard inquiry associated with this credit line of increase, to be deleted off my credit report with XXXX. Attached is a document of how many hard inquiries are showing on my credit file. A previous dispute was filed and I was told this company would respond by XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/XXXX XXXX XXXX XXXX went through a Bank of America drive through atm and tried to take {$1000.00} out of my edd prepaid Bank of America account. the atm malfunctioned and said door problems and could not give money So I went inside bank to use atm in bank for {$1000.00}. And it said I had reached my daily limit And could not get money so I asked to speak with branch manager to see where my money went while waiting I noticed another person in bank really upset about the same reason it had happened to her also so when they spoke with me they said there is nothing they can do for me to put a claim in and make a police report but the police would not take my report so days later they closed my account and said it was fraudulent and that I needed to be verified with Edd so i did contact Edd and get verified and then got a letter from Bank of America saying they closed the claim for atm malfunction {$1000.00} and freezes my account and said that edd freezed it so I contacted my assembly man XXXX XXXX to contact edd on my behalf XX/XX/XXXX the edd said everything was cleared Statement from EDD : Case Resolution Comments Now that the identity was confirmed on XX/XX/XXXX the payment for the week ending XX/XX/XXXX has been sent to authorization on XX/XX/XXXX and continued claim forms have been mailed to bring the claim current. 
Bank of America is still holding my money and has not refund me or released any money as Of 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 monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: CA
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:
Hi, Cfpb My name is XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Recently, I submitted issue my credit reports. 
Thank you for that there is more error on my reports. 
Still show XXXX credit reports. 
Here is listed attached files. 


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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RPM has never proven to me with any kind of statements that I owe anything. I returned the car XX/XX/XXXX. I have requested via registered mail for them to validate this claim that I owe anything with proof, which they have never done. They did not provide me with their license to collect a debt in California either! ( XXXX  XXXX ) I have my bank statements to prove my payment history. It also proves that they are trying to charge the wrong amount too. I never received anything from XXXX XXXX about any amount owed after I returned the car and that was well before they sold all our info to this disreputable collection agency ( sometime in XXXX, I believe ). I would really like some help in the matter because this is unjustly affecting my credit score. It's not a large amount but I do not owe it. It is the principle not to harass and try to take advantage of people by threatening innocent people 's credit scores with phantom debt. I do not know why they are trying to charge me some ambiguous amount that makes no sense at all and is completely ignorant of the facts. RPM has never told me in which weeks I was allegedly delinquent for -or why the amount differs from my weekly rent payment. They do not know anything as to the terms of my lease either because they simply do not have the information and I believe are falsifying information to collect phantom debt. 

I have attached my payment statements which were auto-drafted from my account until the point at which I canceled my lease with XXXXXXXX XXXX  and they collected the {$250.00} deposit and collected the car. 


I have tried numerous times to correct this false debt being put upon me and it has been exhausting. This company is very unscrupulous by robocalling and never answering the phone when you try to call them. 
I do not owe anything and it is a phantom debt brought about by bad bookkeeping from XXXX XXXX to XXXX XXXX This will turn into a class action lawsuit, that I am sure of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: American Coradius International LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX the XXXX I received a letter from American Coradius International LLC. The letter stated I owed XXXX as of XX/XX/2022 and the creditor is XXXX XXXX. I do not have a XXXX account and never have had one. It references account number XXXX. This is a fraudulent attempt to collect money. I looked on line and it appears this company is doing this to multiple people. My concern is if everyone knows about this, why is our government protection agencies not doing anything about them? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: GA
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 have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief