BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am needing immediate help to get this account by the name of XXXX XXXX XXXX XXXX back off of my credit because it has been removed several times and they continue to harass me and have violated my rights which I have been keeping record of in case I have to sue. This company has violated my rights in so many ways, I personally have recordings that I have transcribed of them willfully not providing me with actual competent proof of this alleged debt they are falsely claiming I owe them, they have even went as far of lying to me through the credit bureaus which I will also be holding accountable for them allowing me to financially hurt me the way they did and sending me cookie cutter responses, I am demanding this account be removed because they they have violated the laws set forth by the Federal Trade Commission of 15 USC 1692g 809 of the fair debt collection practices which states that proper notice has to be provided by the collector stating the ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Violation # 2 they attempted to mislead me by falsely claiming I have signed an agreement they have possession of and when requested they said they will mail it to me which I still have not received said original agreement they claimed to have alleging I would owe them for anything while also claiming to work on behalf of the United States government which the federal trade commission also states is in violation of the fair debt collection practices act of 15 USC 1692e 807. False or misleading representations along with the consumer financial protection bureau its. I am demanding this debt be removed from my credit report until competent proper and legal steps have been taken and proof of ( legitimate ) validation ( as requested ) has been sent to me directly and uploaded here as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Reliable Credit Association, Inc.
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
WE bought a XXXX XXXX XXXX from XXXX motors at XXXX XXXX XXXX XXXX on XX/XX/XXXX cost {$8600.00} and interest rate was 24.99 % .Me, my wife and talk to the reps of RELIABE CREDIT COMPANY and he said that we have to pay {$1700.00} as down payment and should pay monthly amount of {$280.00} for 36 months.We gave them {$1000.00} on the same day XXXX and gave them the remaining {$700.00} on XX/XX/XXXX XXXX.We started paying on XX/XX/XXXX XXXX.We paid through out and no late fees and they gave us a receipt after the first one year stating that the remaining balance was $ XXXX that, they did not send any thing till paid the remaining two years to complete the three years ( 36 months ) WITH NO LATE FEES.That is {$1700.00} plus $ XXXX for three years is $ XXXX.Even though that is still more than 25.99 %, they instead change the whole program to a period of 48 months with an addition of {$2600.00} to be paid monthly of {$250.00} per month.The reason because i was not paying more than the amount by month and was not earlier before the time.So the whole total is {$6000.00} interest we have to pay for rotten car which cost $ XXXX.THE CAR IS PARK WITH TRANSMITTION PROBLEMS NOW FOR OVER 8 MONTHS.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX AND EQUIFAX HAS VIOLATED MY CONSUMER RIGHTS PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT. HIPAA AND THE PRIVACY ACT BY ALLOWING XXXX XXXX  TO BE PLACED ON MY CONSUMER REPORT WITHOUT INVESTIGATION. I XXXX XXXX HAS NEVER DID ANY BUSINESS WITH XXXX XXXX, NEVER SIGNED ANY AGREEMENTS OR CONTRACT. YET XXXX AND EQUIFAX PLACED A COLLECTION ON CONSUMER REPORT. I NEVER RECEIVED LETTERS OR PHONE CALLS STATING THAT I OWE A DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: TN
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:
These accounts and inquiries were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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 reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MI
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:
Hi, There is a collection on my credit with the name of XXXX XXXX XXXX. I havent signed any papers with them with anything information of mine. Can you please investigate and send me all the break down to why this price is as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
In XX/XX/2019 when traveling thru XXXX airport with Delta, I was approached about opening an AMEX Delta Gold card, and would obtain XXXX bonus points/miles. I was asked if in the last year I have applied for a " Delta AMEX card '', which I had not. I had to spend x amount of dollars to receive the bonus in 3 months. I have spent that amount and when I called about not receiving my bonus points I was told that due to my credit history I did not qualify for this promotion. I told them well I was never told that when I was applying. We pay off our bills every month, I don't carry balances on any cards. After 1st customer service representative couldn't help me further. I asked to speak to his supervisor. Which I did and he told me that since I had opened up a XXXX AMEX card in XX/XX/2019 that I was not allowed to get the promo with Delta AMEX within the same year. 1st he said that I should have gotten a pop up online telling me this but when I said it was a representative in the airport he said well they should have told me. Well they didn't, or I wouldn't have opened up the card at that time. I asked who those representative were employed by so that I could make a complaint to the right place whether it be Delta or AMEX and he said they are employed by one or the other, could be either. I asked to speak to someone else to further my complaint and he was to have someone call me back in 24-48 hours. I never received that phone call. I am very dissappointed in this customer service. I should have been notified at the time of application and I was not. I feel they didn't tell me knowing that I would not finish application and then they would have not met their quota of applicants for the day. i was even more upset because later that week I received an email with an offer for more miles than I was offered in the airport. If I am not available for the promos why would they send out an email to me offering it. Especially after I had applied. The fact that when I was promised a phone call back and never received it is very upsetting. The offers were with separate companies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting 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:
portfolio recovery associates XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX have 4 accounts of mine in collection which is more than 7 years old but they keep reporting it on my credit report each month when they should have been closed and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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 2022-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Request : Cease and desist all communication XX/XX/2022 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, Virginia XXXX Portfolio Recovery Associates, Portfolio recovery you are sending me documents that state this communication is from a debt collector but is not an attempt to collect a debt. I have received four letters as of XX/XX/2022. I have requested a cease and desist in the past. Once again I am asking you Portfolio Recovery to cease and desist all communication with me. I WILL NOT PAY THIS ALLEGED DEBT. DO NOT SEND ME ANY MORE LETTERS! 

The Fair Debt Collections Practice Act states congressional LAW.

15 U.S. Code 1692c - Communication in connection with debt collection.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have attached the letters that I have received this month. If I receive any more letters I will notify the CFPB. 

This is harassment! 

15 U.S. Code 1692d - Harassment or abuse 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. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
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: In progress
Consumer complaint received 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Marcus by Goldman Sachs had a special offer in early XXXX : " Get a { {$100.00} } Cash Bonus when you deposit { {$10000.00} } in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit { {$10000.00} } in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited { {$10000.00} } on XX/XX/XXXX to meet the terms of the promotion. The promotion dropped off my account due to an internal error on Marcuss part ( per their own admission ). I called and received a call back confirming they would be manually adding the XXXX bonus to my account on XX/XX/XXXX as I had met all the terms of the promotion on XX/XX/XXXX well its now XX/XX/XXXX and no bonus has posted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
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: 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 2022-02-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted XXXX notarized dispute letters with documentation supporting my claims via certified mail to Experian XXXX  XXXX on XX/XX/22. 

The post office confirmed that they was delivered and Experian XXXX  XXXX said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both XXXX and Experian but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom this may concern, my name is XXXX XXXX XXXX, and I have recently discovered that I've become a victim of Identity Theft. I am writing this personal statement on my behalf of myself. My information was utilized to apply and or obtain financial goods and or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately. The account information is listed in this report and below : Accounts : XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX XXXX XXXXXXXX XXXX - OPENED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - OPENED ON XX/XX/XXXX Inquiries : XXXX XXXXXXXX XXXX  - INQUIRED ON XX/XX/XXXX XXXX - INQUIRED ON XX/XX/XXXXXXXX XXXX XXXX - INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX XXXX - INQUIRED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - INQUIRED ON XX/XX/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 2023-01-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Highest Balance : {$12.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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