BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: TN
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 repeatedly disputed the tradeline listed below because of inaccuracies but have not been able to resolve this via the furnisher or Experian. I previously brought this issue to the CFPB via Complaint # XXXX ; however, as of XX/XX/XXXX, the issue remains unresolved. XXXX XXXX XXXX XXXX tradeline is in violation of the following Fair Credit Reporting Act ( FRCA ) and Fair Debt Collection Practices Act ( FDCPA ) statutes : Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) states that if a consumer disputes the completeness or accuracy of any information furnished by any person to any consumer reporting agency, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer and Section 807 of the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. Specifically, it prohibits communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I attest that I, XXXX XXXX XXXX ( consumer ), am submitting the following dispute on my own behalf. I have included a copy of my driver 's license as proof of my identity. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCOMPLETE. Incomplete ORIGINAL BALANCE and Incomplete MONTHLY PAYMENT. I dispute the following items based on FCRA 623 ( a ) ( 3 ) because they are INCORRECT : XX/XX/XXXX was reported as 30 days late XXXX  ' email confirmation of XX/XX/XXXX payment is attached. XX/XX/XXXX reported as 30 days late - XXXX  ' email confirmation of XX/XX/XXXX payment is attached. I dispute the entire XXXX XXXX XXXX XXXX based on FCRA 523 ( a ) and FDCPA Section 807 : The data furnisher has repeatedly failed to note that the disputed debt is disputed on my consumer credit reports. XXXX XXXX XXXX and Experian have repeatedly violated FCRA 523 ( a ) and FDCPA Section 807 by furnishing incomplete and inaccurate information at CRAs, in addition to failing to mark the disputed tradeline as disputed.

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 2023-07-07
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/2023 I noticed two addresses on my credit report that were not mine. 
On XX/XX/2023 I noticed two credit card accounts on my credit report that were not mine. 

I do not have friends or family at either of these addresses, nor have I ever lived outside of Illinois. 

I have no idea who the companies are that own the credit lines, so I have not made an attempt to contact them. 

I did contact XXXX and filed a dispute with them for the addresses. 
I will contact XXXX on XX/XX/2023 to file a dispute with them for the credit card accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Debt Recovery Solutions, 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:
I received a credit reporting alert that a company Debt Recovery Solutions is reporting to credit bureaus ( XXXX, XXXX, XXXX ) a collections/delinquent account for non-payment. This is a fraudulent attempt to collect a debt I NEVER owed. This has negatively impacted my credit score. Please take action against this company. I have already contacted XXXX, XXXX and XXXX to report this fraudulent activity. I have also escalated this matter to my legal team and State 's Attorney. Please instruct this company to delete this fraudulent account from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
suggesting to damage my credit by reporting to the creditors without allotting the 6 month window to dispute the transaction and then reporting to the creditors when medical debt under {$500.00} per Consumer Financial Protection Bureau should not be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
on XX/XX/2022 in my mail box on XXXX PM CST I retrieved a letter purporting to be from " MESSERLI / KRAMER Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. 

The header states " Date : XX/XX/2022 Our Client : XXXX XXXX XXXX '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX Cease and Desist all further communications. XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2023-11-06
Company: Experian Information Solutions Inc.
State: IN
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in XXXX  months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will. after receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted even though the guy on the phone reassured me multiple times that I got it. 

I opened an investigation with AMEX but they are taking too long and they explained that there is a chance i will not get it. I want someone to listen to the phone call I had with the agent on XX/XX/XXXX and I want my bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NY
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 submitting this CFPB Complaint to bring to the Credit Bureaus ' attention the presence of fraudulent accounts and inaccurate information on my Credit File, which is causing significant concern and distress. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these erroneous items in accordance with FCRA section 605b. It has come to my attention that there are accounts listed on my Credit File that were opened fraudulently. I believe I have fallen victim to identity theft, and I have taken the necessary steps to report the issue accordingly. Enclosed with this letter, you will find the required documents, including an ID Theft Report, supporting my claim and providing evidence of the fraudulent activities associated with my credit profile. I request the immediate deletion of the following items completely from my Credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.

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 2023-05-12
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Title company made aware of my severe financial XXXX XXXX  in XX/XX/XXXX & multiple times after that date. I asked to negotiate with lender for a payment plan ; per the lender, i was not eligible until I paid several more monthly payments. I requested, again, after approximately XXXX  months to work a hardship payment plan for me - denied. XX/XX/XXXX, I insisted on my lender to help me due to my financial hardship worsening. They stated they can not do extensions or defer my payments due to my XXXX  agreement and denied XXXX  loan from them. I told them the payment is to much money/month and can not afford to pay all & offered partial payment for monthly payments. They declined my request and stated if I am XXXX days past due, I will have my car repossessed. Note : I HAVE NOT MISSED ANY PAYMENTS & NEVER LATE. 

This complaint is to ask for assistance with an uncooperative lender knowing my severe, financial hardship and crisis. Please help. This is XXXX to prevent car repossession. 

Also, I have applied to XXXX other secured lenders for refinancing options- denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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 XXXX data breach and may have got into the hands of the wrong person.

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 2018-03-22
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NOTIFIED NAR over the phone I I would be sending first an affadavit letter by certified mail with RETURN receipt and then a followup letter including my police report to show the XXXX account was closed due to fraud. Under federal law I am within my rights to exercise my FCRA and FDCPA rights under the section of the federal Bill of rights and fraud rights of Identity theft under federal law. They sent a letter back violating my rights stating my affidavit was frivolous with a screenshot of a computer image. Now I am requesting for the CFPB to get involved during this dispute process with NAR. For each violation I plan to file a new claim with the CFPB for each occurrence including but not limited to litigation if deemed necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off American Express credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report for an extended period of time. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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:
I used their autopay system to set a payment for my credit card and apparently it failed, and they have the audacity to charge me for its failure.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The following information needs to be deleted as I have disputed this inaccuracy multiple times. I have attached a letter from BK court showing this account they never reported to any third party entity I demand immediate deletion and future blocking of this account.

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 2023-08-31
Company: EQUIFAX, 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:
I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 

1. XXXX {$420.00} 2. XXXX XXXX {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX has listed one debt split into two as a new debt for {$260.00} each. A very old medical debt from 6 years ago. I was very ill at the time and had no insurance. A medical debt they are not willing to settle with me and listed on my report almost 6 years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a vehicle from XXXX on XX/XX/XXXX for {$22000.00}. I had a pre-approval from XXXX  XXXX XXXX for 5 %. XXXX said they did not take XXXX XXXX  XXXX and I would have to use one of their fincianeers, Ally Auto at 10.5 %. I did not want to do to this, but was told I could just refinance the loan. 

Today is XX/XX/XXXX, 5 months after the purchase date, and my Lien holder still does not have the title, and will not let me refinance it. XXXX has 6 weeks to send it. I have previously asked in XXXX and they did not have it either. They were aware of the situation and did nothing. Ally is telling me to contact the dealer. XXXX customer support is no help and is clueless. Since these business have a direct business relationship with each-other, it could make sense that they are scamming customers. Forcing them to take higher apr rates, then loosing their titles to force them to stay with that higher apr and unable to refinance to a more appropriate rate. 

I am now very afraid I have been paying for a car with no title. This would be falsely advertising of vehicles, and is currently costing me money.

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 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a letter via XXXX mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 XXXX the amount of {$400.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited 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