BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: Army and Air Force Exchange Service
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Army, Air Force and Exchange Service XXXX " AAFES ' ) and/or its representative XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards AAFES ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when AAFES and/or its representative TSI began contacting the Defense Finance and Account Service ( " DFAS '' XXXX and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or AAFES to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to XXXX on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off AAFES ' claimed indebtedness only {$130.00} or thereabout, was being applied towards AAFES ' claimed indebtedness and the remaining amount went towards fees. 

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''

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 2022-11-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: SC
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 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 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 2022-11-27
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX card with XXXX. They switched from XXXX  XXXX XXXX to Comenity in XXXX, 2022. Despite multiple calls, I never received a card. I did, however, get a bill, which I paid off in full. I cancelled the card online but was told that to get a confirmation, I had to provide a fax number... which of course, I do not have! 

I can't even tell you the account number of the Comenity card since the bill only provided the last four numbers... and as I said, I never got a card or any other official communication other than the bill from Comenity. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Opened mail from Chase Bank on XX/XX/23 and found a XXXX XXXX XXXX XXXX credit card with accompanying new customer documentation inside. Card had full account number with my name listed on the front of the card. On XX/XX/23 I called Chase Bank to ask why a credit card had been issued with my name on it and Chase verified that the card account was activated around XX/XX/23 and XXXX purchases were made with it around XX/XX/23 in XXXX XXXX. Chase agreed to flag the account as fraudulent and investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
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 kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY not mine remove it and the accounts attached FTC violations FCRA

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 2022-12-17
Company: EQUIFAX, INC.
State: OR
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:
To whom it may concern, after sending out multiple letters to the credit reporting agencies XXXX, Equifax and XXXX have continued to violate my rights as a consumer and have failed to provide me with any valid documentation regarding negative inaccurate reporting and accounts they have been placing on my consumer report. 

A proper investigation has not been done after many attempts to remedy the situation and inaccurate reporting such as the date reported, last active dates, balance amounts and payment history continues to be reflected on my credit reports due to the CRA 's lack of professionalism and honesty in reporting. I have never been given any proof or valid documentation by the CRA 's to show that an actual investigation on my credit reports have been made, after consistently asking them trough writing for a proof of their claims. 

NOTHING WAS SENT TO ME! 

In accordance with the Fair Credit Reporting act acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 as a consumer. 15 USC 1681 section 602 A states that I have the right to privacy. Also 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. My rights are being violated and this needs to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to Bank of America a few times to get this account taken care of. I have sent numerous letters to them asking them to clarify what I owe in writing and haven't received anything ever.

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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I bought a XXXX XXXX from the company in XXXX of this year. Last month, I begin having issues with the vehicle so I took it back to the company to see what I needed to do. After being given number after number to call and those people giving me different numbers to call, I just asked if I could trade the vehicle back in. They told me yes. I never picked out a vehicle, nor test drove a vehicle. I sat in the lobby almost all day because I was under the impression that the bank ( XXXX ) didnt want to buy the XXXX back because I had only had it a few months. I ended up having to pay out of pocket to get the truck towed and fixed because the insurance that comes with the vehicle doesnt cover it until after its been diagnosed. Fast forward to XX/XX/XXXX, I receive an envelope from XXXX XXXX stating that I was denied for a loan for a 2020 XXXX XXXX. I never gave the consent nor the ok on a vehicle. I have XXXX children and two car seats, its hard to fit them inside of the XXXX, so I wouldnt go for something even smaller than what I already have. Now Im wondering how many different companies did they use on XX/XX/2020 to try to finance a vehicle I never asked for!

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
XXXX ; XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXXR partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-07-22
Company: EQUIFAX, INC.
State: NC
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:
The XXXX XXXX account on my Equifax report was listed as " Under Investigation from a previous dispute '' for over 90 days. I called and spoke to an agent who opened an investigation as to why it was listed as under investigation when it wasn't. This was on XX/XX/XXXX. 

The results of this " dispute '' were provided on XX/XX/2020. The XXXX XXXX account is still listed as open online, the available credit is listed as {$4100.00}, there is no date of last activity listed, and while it states there were late payments, no payment history is provided. 

This should be removed from my report due to inaccurate information reported repeatedly. The account was also listed as Under investigation from a previous dispute for 90 days prior to my XX/XX/XXXX call ( in addition to that investigation that took 21 days, totaling 111 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions 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 have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2023-06-27
Company: EQUIFAX, INC.
State: NC
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EGL US, LLC
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: Account status incorrect

Complaint:
The company is still not acknowledging they fault i need to get this complaint to the highest level of employee there, they are still reporting 2 open loans which thats not accurate, and a charge off but payments were made

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I try to file this complaint through XXXX XXXX XXXX whom was services by XXXX XXXX XXXX with XXXX XXXX XXXX. I made payment to XXXX XXXX for over 3 tears when I was employed by the USPS but I left my job on XXXX and couldn't afford the payment anymore I contacted them and ask them for forgiveness of this debt back around 2014 which was removed from my credit report. But now serveral years later XXXX   XXXX XXXX trying to come back on me with a new company name LVNV FUNDING LLC through XXXX XXXX XXXX with a balance over 18000.00 dollars. I will fax the documents over with a bunch of payment I send XXXX XXXX THROUGH THE YEARS. I WILL FAX THEM TO XXXX. Please look out for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2021-09-02
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired Lexington Law to correct my Mortgage company reporting lates under Cares act. They told me the lates were removed and when going for a loan they said they were not removed. I hired them for a year to work on removing this and paid them XXXX a month for 12 months two account My wife and I had the same reporting issue. We paid them over XXXX dollars and was told it was removed and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: FC HoldCo LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Account Name : Flagship Credit Accept XXXX I was marked 30 days late on my credit report. I am XXXX XXXX Veteran currently living in a hotel in Virginia awaiting my purchase loan transaction to be approved. I was informed by my mortgage professional about this late payment and on XX/XX/2020 i called Flagship and explained my situaton and they told me that i was 66 days late and since i did not receive the paperwork package for relief under the CARES act that they would not help me and apparantly these lates are hindering me form getting this loan I brought the account current. I feel like im being taken advantage of. I thought the CARES act was set up for people like me who NEED help under this pandemic. All i am askins is to have the late or lates from 2020 removed from this account. Can you please help me and my family not become homeless

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 2022-09-15
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-10-02
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
please be advised that a copy of this letter has also been sent via certified mail. the XXXX, and experian credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX  deleted the items, however XXXX and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter  attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt

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