BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
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 1981XXXX 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 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 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, 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 inaccurat

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: Choice Recovery, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing a copy of my most recent credit report, I discovered a derogatory remarked placed on my report by a collection agency named : XXXX XXXX XXXX They are attempting to collect on an alleged medical debt in the amount of {$50.00} the Original Creditor is : XXXX XXXX XXXX. 

I ( Have No Knowledge ) of this alleged debt. In addition to that reviewing my credit report was the first time I had ever seen this information. 

I never received any written notice, phone call or any other form of communication regarding this debt prior to them placing this invalid information on my report. Never allowing the opportunity to dispute this item or request validation, pursuant to the Fair Credit Reporting Act on a debt that has clearly reached the statue of limitation for collection efforts. 

This agency blatantly disregarded the federal law and placed harm to my credit rating without my knowledge. Clearly there is a violation here which is why I pray that your agency will investigate this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-01-25
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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than XXXX  days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within XXXX  days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than XXXX  days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-06-19
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 more than 7 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 2023-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today is XX/XX/2023. My wife and I are on day 1 of a three week XXXX vacation. I used my Bank of America Travel rewards card to make multiple purchases. This afternoon, however ( approximately XXXX XXXX XXXX ) my Bank of America card was declined at a bakery. I have a credit limit of nearly XXXX XXXX dollars, carry a XXXX monthly balance, and havent even charged a XXXX dollars worth of purchases since arriving in XXXX less than XXXX hours ago. 

I assumed correctly that the card was flagged for fraud when I called the number on the back of the card and was transferred immediately to XXXX in the fraud department. He performed extensive identity verification and verifications that I indeed made those purchases and had physical custody of the card, and that it has never left my possession. I had added it to XXXX XXXX as well earlier in the day to streamline my purchasing here, and to minimize my exposure to becoming a victim of crime by only pulling out my phone. 

After approximately 10 minutes on hold, I was informed by XXXX that they received an alert that a company I had shopped at was hacked in the past. Mind you, the past being before I had made my purchase. He stated that because of this hacking, the hackers had a portal to view the future and get my credit card number despite the hack coming before the purchase. He stated that my card has been cancelled and reissued, and there was nothing else that could be done. I reiterated that I was out of the country, and asked if the card could be reissued when I returned and was told no. 

While telling me no, he gave me corpospeak XXXX about how this is to protect you and your account I immediately called him out on this, as its not to help me at all. Its 100 % to minimize risk for BOA because theyre on the hook for fraudulent purchases, not me. Theres no way that stranding me on a different continent with no Visa card and XXXX Euros to get through three weeks is somehow helping me. XXXX offered to expedite a card to where Im staying, but Im not able to get mail, and were not staying in the same place for the 3-5 business days he quoted for it to get to us.

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 2023-03-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am writing this complaint bacause I have been charged extremely high interest all of a sudden on the expiration of an 18 months promo. This is unheard of to me and I was not informed of any such condition by the sales rep at XXXXXXXX XXXXr upfront when I signed up for a credit card. It was presented to me as a 18 months promo with no interest. Given the misleading info I was given, it is my request to have COMENITY waive off the huge ridiculous amount of interest charge {$2400.00}. I have already called customer service XX/XX/23 and paid off in full the promotional balance of {$2800.00} that I actually owed. Please waive off unjust interest charges at your earliest convenience, There is no way I can pay that high all of a sudden interest amount of {$2400.00} when it was not informed to me when I signed up with Comenity Acct number ends in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21
Company: Education Principle Foundation
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
In XXXX  I attended Brown Mackie college of XXXX XXXX and shortly after I gave XXXX XXXX XXXX XXXX the school was very unprofessional with my XXXX XXXX and My medical condition of XXXX XXXX XXXXXXXX for XXXX years I was trying to figure out why I am paying for this loan my medical condition is on going still an I filed an complaint for all of my inflated loans. ( Which credits an diploma are not accredited anymore anywhere ) Due to the closing and lawsuits against the school I have been fighting to cancel these loans or send me the original sign and dated agreement.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Further to complaint XXXX - XXXX I am writing to raise a complaint regarding Citizen 's bank 's failure to comply with CFPB regulations. 

Citizen 's response to complaint XXXX - XXXX and the evidence provided to support their response confirms that they had incorrectly recorded customer account details and, as result breached a number of requirements to provide disclosures to prior customers of XXXX as set out in the CFPB Regulations ; notably but not limited to ; XXXX Credit and charge card applications and solicitations XXXX General disclosure requirements XXXX Subsequent disclosure requirements Citizen 's have also demonstrated that they have breached CFPB regulation XXXX ( f ) and provided documented evidence to that effect. This evidence had previously not been provided due to the failures in the obligations to fairly disclose information to consumers as described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had several visits to XXXX XXXX XXXX for medical treatment. I paid the invoices in installments and I believe paid in full. I received a notice from Atlas Financial Services, XXXX XXXX XXXX, XXXX, WA XXXX advising my account had been assigned to them for collection of {$260.00}. 

I disputed within the 30 day time frame as I my accounting indicated I had paid XXXX   XXXX XXXX in full and needed documentation verifying the debt. On XX/XX/19 I received a letter from Atlas indicating that I had to sign a form waiving my HIPAA Privacy rights to give Atlas access to my medical records. I refused to do so and do not see any reason I would have to provide access to my private medical records in order for them to provide evidence I owed the debt. 

I did not hear back from Atlas until today, XX/XX/19, when I was served in XXXX County Oregon for {$250.00} + {$55.00} + {$45.00} in fees. I will pay the full amount to make this all go away ; however, Atlas Financial Services did NOT provide me any documentation validating the debt and therefore violated the Fair Credit Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: AL
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 ask agency to do a investigation on my information which they never did a full investigation so that would make what they are reporting inaccurate I ask for written signature proving I was the alledge buyer for XXXX XXXX account thats just started reporting but said account was closed so it shouldnt still be reporting a delinquent specially if its in bankruptcys means it been paid plus the bankruptcy not in my name do yall still reporting it to the wrong report usc code 15 everything must be accurate / correct on any consumer report this the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EdFinancial Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Its been over a month, Ive called and emailed several times about how my recent payment wasnt applied to the correct loan and the lender refuses to answer my emails or fix it.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-20
Company: Southwest Credit Systems, L.P.
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:
XXXX XXXX amount XXXX i tried to communicate that this debt isn't mine but they will not respond XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I communicated to the bank that i am a victim of fraud and this isn't my account XXXX XXXX this account is not mine i was a victim of fraud and i told the bank but no action was taking XXXX XX/XX/XXXX XXXX XXXX  o told this company i never had a car loan from them and that my name and id was compromised and theft will not take action XXXX XX/XX/XXXX XXXX XXXX  does not belong to me someone used my identity to open this account and i called and tried to take action but theft didn't do anything to rectify this matter.XXXX XX/XX/XXXX. 
southwest credit system this account do not belong to me it was opened in my name without my permission XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or repair them in my file immediately. 
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

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 2023-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX 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 2022-01-21
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reached out to Transunion on XX/XX/2022 regarding accounts being reported incorrectly on my report. Transunion responded by sending me a letter stating they needed additional documentation to prove my identity. I mailed additional requested documentation to Transunion on XX/XX/2022 which included ID, Social Security Card, Current Bill and an updated copy of the letter. It has been 60 days and they have not responded to me. According to the FCRA laws if they have not responded in 30 days then the items must be deleted. I contacted Transunion by phone on XX/XX/2022 to ask that these items be deleted by law and they refused and insisted that I request another investigation. I DO NOT Authorize them to do any additional investigations regarding this complaint. I am demanding by law that they delete these items due to their FAILURE to respond. I have provided a copy of the letters along with returned date recieved confirmations. I DO NOT AUTHORIZE any additional investigation. BY LAW THIS MUST BE DELETED IMMEDIATELY! I intend to take legal action and will also contact the State Attorney General 's office! DELETE THESE ACCOUNTS

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 2022-01-21
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 already discharged in bankruptcy and is no longer owed

Complaint:
Filed Bankruptcy on XXXX  due to identify theft. All items were cleared. Debt collection agency never showed to court to provoke debt. 
The information that are reporting is false, wrong social and spelling of name which is on the leasing contract held by leasing office. 
Debt collection agency has not provided me with any documents such as application or social. I have contact them several times but they continue to send me only the lease agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
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 XXXX XXXX XXXX. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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