BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/2022 XX/XX/2022 XX/XX/2022 Reporting agency, XXXX XXXX XXXX, reported account XXXX, 30 days past due, for XXXX, XXXX, & XXXX of 2022. These late payments are inaccurate, & I would like a copy of the furnished documents, from the bank statement showing exactly when those payments were made, proving each payment was 30 days late. If that can not be shown, I would like the payment history updated to all on time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please remove fraudulent / unauthorized account/ collections : XXXX XXXX XXXX XX/XX/2021 or provide proof within 30 days

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 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank Of America is covering criminals who took my money. I have visited and called BofA many times and all I get is run around with NO results. BofA is helping and covering criminals. I need to know who can help! I need help to get my money back from BofA customer who they helped to still my 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 2023-07-09
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Unauthorized Third-Party Communication and Cease and Desist Notice Dear Sir/Madam, I am writing to address the unauthorized third-party communication I have been receiving from LVNV Funding regarding an alleged debt originating from 12 XXXX  XXXX XXXX  XXXX. It has come to my attention that LVNV Funding is in possession of my personal information without my consent or authorization. I demand that all communication from your organization cease immediately, unless you are contacting me to discuss a remedy for the violations committed. 

I want to make it clear that LVNV Funding, as an unauthorized third party, has no lawful right to possess or disseminate my personal information. I have not provided any consent for your organization to access or utilize my personal data in any way. This unauthorized acquisition and use of my information violate my privacy rights and potentially expose me to unauthorized disclosure of sensitive information. 

Therefore, I demand that LVNV Funding immediately ceases all communication with me, including but not limited to phone calls, letters, and emails. Unless you are contacting me to discuss a resolution for the violations committed, any further communication will be considered a violation of my rights under federal and state laws. 

Additionally, I require LVNV Funding to provide written confirmation that you will no longer engage in any communication or attempt to collect any alleged debt from me. Failure to comply with this cease and desist notice will result in legal action to protect my rights and seek appropriate remedies. 

Should you wish to contact me to discuss a remedy for the violations committed, please ensure that such communication is in writing. Any future communication from LVNV Funding must be strictly limited to resolving this matter, and should not be used to harass, intimidate, or attempt to collect any debt. 

I expect your prompt attention to this matter and an immediate cessation of all unauthorized communication. Please acknowledge receipt of this letter within 10 days. Any failure to comply with this notice will leave me with no choice but to pursue all available legal remedies to protect my rights and seek appropriate compensation for the violations committed. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
A suit was entered in WI circuit court for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been XXXX yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
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: Information belongs to someone else

Complaint:
I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Un-authorized inquiries 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 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 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 2022-10-31
Company: Experian Information Solutions Inc.
State: MA
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:
Hello, According the Fair Credit Reporting Act, the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX 15 U.S. Code 1681 : This states I have a right to privacy.

15 U.S. Code 1681s2 : This states a consumer reporting agency can not furnish a account without my written instructions.

Source : 15 U.S. Code 1681- Congressional findings and statement of purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2021-05-27
Company: CITIBANK, N.A.
State: NC
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 rewards from credit card

Complaint:
Initially made a late payment in XXXX due to moving homes and missing due date. For XXXX bill, I sent a check on XX/XX/XXXX to cover the bill for that month well in advance of due date. However, due to mail delays it was not received on time by Citi. I called Citi directly over the phone, after receiving notification and paid the Bill directly.

However, the check that I sent I was instructed by Citi and my own bank to put a stop payment and cancel the check which I subsequently did. However, on receipt of the check on XXXX Citi attempted to deposit the check but was likely rejected. I made multiple large purchases through XX/XX/XXXX and on XX/XX/XXXX when I attempted to pay for gas my card was declined. 

I called citi to remedy this and they notified me they had sent a letter cancelling our account. This letter has never been received and not sure how they could have sent this letter out notifying us while still allowing us to make purchases on the card.

Regardless, I accepted the closure of our card but we had almost XXXX XXXX+ left in earned cash back that I had not utilized. I called Citi directly, a manager agreed to send a check for this balance initially. A week to 10 days later I received notice that they are formally refusing to pay out my cash rewards balance or put it towards my final month balance.

This is unfair and dishonest behavior, I did everything to try to remedy the situations which were complicated by COVID-19 related mailing issues. My own bank informed this same issue was happening to many individuals mailing credit payments. 

I would like to formally file a complaint requesting remittance of my earned cash back credits. It is completely dishonest behavior by Citi to give me no option to use this before closing my account and it is malicious at best. 

Thank you for your time and assistance

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX  Account NumberXXXX  Account Number : XXXX  Account Number : 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 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 2022-05-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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 received an email offer to upgrade my credit card if I responded by as certain date. I complied with their procedures and submitted the upgrade request which was approved. As part of the promotional offer they were suppose to give a {$300.00} statement credit and an additional XXXX miles to my airline after I passed a purchase limit. 

When I did not receive the promotion offer I called in XXXX, XXXX  and asked what happened. They first indicted that they could not find the offer to me. When I was able to provide them reservation number provided they then told me that I did not comply with the requirements. I then asked to speak to a supervisor. When he returned the call he provided me the same information. He said he would submit it for review and if it was approved I would find out when the next statement came out for the credit and when I received my monthly miles statement from the airline. 

What really drove me crazy is when I was asked to submit documentation of my request they had a standard block on what you were writing about that included " not receiving promotional offer ''. 

As of this date nothing has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01
Company: SECURITY FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In 2019 I was approved for a used car loan from PFS Auto I put {$6500.00} on a vehicle that with 24 % interest over 2 years cost me {$20000.00} when pandemic happened my wife lost her job we ended up having to move and with loss of income plus cost of relocation and fixed income we fell behind after the clutch went out and I replaced it myself I had made almost a full year of payment towards the loan at the date of XXXX. I was given no warning that the car was going to be repossessed they just showed up one day after running my credit report without authorization to see my new address I was told by the XXXX man that I was able to call and make up the late amount plus fees before the vehicle was sold that I could get the car back I informed him that I was getting my paycheck in 2 weeks and would be there on the XXXX and he said he would hold the vehicle there until then. 
After the tow truck leaves my house I immediately call PFS and was told that they were not going to let me make up the late payment amount and unless I could pay off the loan in full plus late fees and repo fees that the car would be sold at auction. This was absolutely heart breaking to me as this was my dream car that I put numerous upgrades towards and saved years for, {$10000.00} in payments and and nothing to show for it. Now I have a new account open on my credit report for {$610.00} the car was sold at auction but I have no idea what for as I never received anything after the repo happened just the account on my credit... 
I feel like the company knew the car would bring more at auction than I actually owed to them so instead of doing what was right and letting me catch up on the loan they kept my payments made then sold it for {$10000.00} or more at auction and made the extra profit. 
This is morally outrageous and if not illegal it should be. I am asking for PFS AUTO to do what they know is the right thing to do and return my vehicle to me since this is probably not possible then I ask that all my payments made on the vehicle plus the {$3000.00} in aftermarket parts I installed on the vehicle. Finally I want the collection account to be removed from my credit report as of now I am unable to even get approved for another loan with the repossession showing. 
If this is not resolved I will be filling a suit in small claims court and will seek mentioned amount plus attorney and court costs and anything else my attorney believes is owed to me.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are multiple " hard inquiries '' on my TransUnion Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX  that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX provided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. Said letter was forwarded to TransUnion on XX/XX/XXXX. However, nearly XXXX months later, TransUnion has failed to remove the inquiry. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. TransUnion failed to remove the inquiry and did not respond 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 2022-05-13
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime can not fix a problem they have transferring money to an external bank. They have nobody that answers the phone that can fix the problem. They are passing the buck telling me its a problem with my external account. That is not the problem. The problem is they are unable to fix the way they have my account coded in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a notice from the Security Credit Services LLC on approximately XX/XX/2021 with a stated current balance of {$16000.00} which originated with XXXX XXXX, XXXX on the financing of an XXXX XXXX with XXXX by XXXX. 

Due to the COVID-19 pandemic last XXXX, I was put out of work for the entire year on account of being a non-essential worker. I received no notification from XXXX XXXX concerning the acquisition of my debt by Security Credit Services and when contacting the prior business, they said it was out of their hands as my account had already been acquired ( again, with no warning or any type of indication that my account was at risk of being collected ). When contacting the latter company concerning my debt, I have contacted them via phone for the past two weeks with messages left to no avail and they are notoriously known for being extremely unprofessional in matters of communication. 

This was a majorly poor handling of communications on part of both companies, both of which do not provide clear answer on how to proceed or rectify this situation. I feel severely slighted and taken advantage of as a consumer and as a client - especially in the fact that I was not notified or given any warning in the passing of my account to debt collectors. It is as if this company took advantage of the ongoing pandemic to further exploit its clients in a time of national economic turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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