BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IC Systems has violated 809 ( a ) of the FDCPA, in that the company identified has failed to provide written notice of alleged debt or the contents surrounding the alleged debt. The alleged debt just showed up on my credit report without prior notice. IC Systems did not attempt to contact me prior to reporting this alleged debt as a collection to the credit bureaus. As of this date, XX/XX/2021, IC Systems has not provided any initial communication in connection with this alleged debt. Furthermore, I have never heard of this company, nor have I engaged in any business with IC Systems. IC Systems is attempting to collect and allege debt in the amount of {$150.00}, as indicated on my credit report. IC Systems NEVER once mailed me any information pertaining to this alleged debt. IC Systems has also violated 15 U.S. Code 1692g pertaining to the validation of debts because, as a consumer, I was never given the opportunity to ask for validation of the debt. In addition, IC Systems is also in violation of the 15 U.S. Code 1692c surrounding communication in connection with debt collection which states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

I am insisting that this erroneous information not only be removed from the credit report, but my personal information be expunged from all data systems associated with IC Systems. IC Systems is now in violation of the FDPCA and the U.S. Code, they are subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from IC Systems within 10 days. IC Systems should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present IC Systems with legal inconvenience with the FTC and other state and federal 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 2023-05-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2019 2.  XXXX XXXX XX/XX/2019 3. XXXX XX/XX/2019 While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2019 2. XXXX XXXX XX/XX/2019 3. XXXX XX/XX/2019 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This isa violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2023-07-10
Company: UHG, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX denies having any open account with me, yet debt collectors keep calling my spouse during his working hours trying to get hold of me. I tell him to give them my number but they are relentless. I called XXXX and they deny any of this and gaslighted me over the phone as if I am imagining things. They then said call UHG at XXXX, whom UHG referred me to XXXX XXXX XXXX at XXXX. I need this to stop or I am considering harassment small claims options. I was a homeless Veteran when the judge made his/her decision and I had a lawyer, but here we are. I paid the account and it is considered paid in full by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased the car in XXXX XXXX however I was making the payments and realized that 2 years later I only paid XXXX toward the loan and the amount was increasing I reach out to company and said they would look into and report this I received no response and when I called they always would hang up on me I continued to pay But they repoed the car because the amount. Was never decreasing free several attempts to settle the car was repod and they said my interest rate of 26 was not why the amount never changed.The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. 
Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On the XX/XX/XXXX stating that I owed a debt. I followed up by certified mail signed by XXXX XXXX asking them to validate this debt. I then received another letter from them without any validation. I received many threatening phone calls. Then on XX/XX/2020 I  receive documentation that I was being taken to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: LEXISNEXIS
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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-12-16
Company: Experian Information Solutions 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: Account status incorrect

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

XXXX XXXX XXXX XXXX US Dept of ED/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.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 an 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 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 inac curate.

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 2020-04-11
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Hi CFPB! Please send the following documents to Wells Fargo Bank. Thanks!

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
ID THEFT VICTIM .... 
THE PERSON THAT FILED THIS IS IN PRISON FOR BANKRUPTCY FRAUD THE LAWYER THAT FILED IT IS NO LONGER PRACTICING LAW

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 2020-02-21
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Complaint against Discover card account number ending in XXXX For Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX UTXXXX I have been an excellent client of Discover card for over 20 years. I never missed a payment in my history not only with Discover but with all the other credit cards. I purchased XXXX for XXXX XXXX XXXX In XXXX CA account # XXXX for {$100.00} on XX/XX/2019. The services offered by XXXX XXXX  was not reliable and I called to cancel the order immediately. discover issued a credit of the same amount on XX/XX/2019, took the credit back on XX/XX/2019 and on XXXX onwards started charging penalty of various amounts still as of this month. I had multiple communication by phone and 6 communications by emails. But the irresponsible behavior of Discover and unaccountability of XXXX XXXX ignored all of my emails, never responded to me continuing to charge me late fees and are continuing to report it to the credit reporting agencies. My excellent credit history with a top credit score has been dropped from XXXX to XXXX. Discover and XXXX XXXX has violated all rights under the fair credit act fair credit reporting Act. I hereby request the respected FCFB to investigate this matter and help me to have them issue credit for all late charges and take all corrective actions, penalties to correct any related errors in my credit history. 

Attachment communications with Discover discover statements from XXXX copies of the credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: BARCLAYS BANK DELAWARE
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am currently working with legal group to settle my debt. The credit company was continuously calling me and bring aggressive/threatening. I asked the credit company to only communicate with me through written means. They refused to communicate this way and continued to call very frequently.

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 2020-02-21
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-09-11
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CBE Group is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. CBE Group did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. CBE Group is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  XXXX XXXX XXXX flagged my account as 30 Days Past Due on XX/XX/2020 to both Experian and XXXX. 

When I contacted XXXX XXXX they stated that my account was not past due and that they had not reported the account as 30 days past due. 

I disputed the item with Experian, but after investigating, they claim XXXX XXXX still is reporting it as 30 days late.

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 2023-07-31
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Concerns Wakefield LLC XXXX XXXX XXXX XXXX, TN XXXX They did not my respond to any of my letters ( 3 ) and do not respect my FDCPA rights! 

Below you will find a copy of my letter dated XX/XX/XXXX, ( send by XXXX ) which speaks for itself. Sincerely yours. 

References : XXXX & XXXX To Whom It May Concern, Despite my letters to dispute any debt with your agency, dated XX/XX/XXXX & XX/XX/XXXX, see attachments, you did not respect my rights according to the Fair Debt Collection Practices Act ( FDCPA ). I am unaware of the creditor XXXX XXXX XXXX. 

At this time, I demand to cease any credit bureau reporting. 
Please send this information to my address listed above and accept this letter, as my formal debt validation request, which I am allowed under FDCPA. Please note that withholding the information you have received from the supposed creditor can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you have received from the creditor in connection with this alleged debt. 
Furthermore, continued attempts to collect on this debt or report this debt to the credit bureaus, until providing said information above is also a violation of the FDCPA in which I will hold you and XXXX XXXX XXXX responsible. 

I will also file complaints about your company at the XXXX XXXX XXXX, the Attorney Generals Office and/or the Florida Office of Financial Regulations and/or the Consumer Finance Protection Bureau . 

Sincerely, All rights reserved. 

I took out my name here Attached : Copy letter XX/XX/XXXX Copy letter XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: IL
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:
THE BUREAUS ARE STILL REPORTING INACCURATE ACCOUNTS AND THEY NEED TO BE REMOVED IMMEDIATELY. I DONT EVEN BELIEVE THEY HAVE CONDUCTED PROPER INVESTIGATION AND IT HAS BEEN MORE THAN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: NAVY FEDERAL CREDIT UNION
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:
In accordance with the Fair Credit Reporting Act, Item : Account listed as : NAVY FCU [ XXXX ] on the XXXX Credit report has violated my rights.

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

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported. 

The information in this account are not only private but they have been reported INACCURATELY and the reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigations. 


I contacted XXXX via letter on multiple occasions about beginning on the date of XX/XX/2022. I have attached some copies of some of my letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid 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:
Since XX/XX/XXXX USAA has insisted USAA fraud credits applied to the balance. ALL USAA CREDITS ARE INTERNAL. USAA refuses to, as my math teacher would say, ( ** SHOW YOUR WORK ) With fraud credts hidden from me and Not listed on my statementt. THIS IS UNACCEPTABLE. SHOW YOUR WORK. I DO NOT BELIEVE USAA all credits applied because my statements ( SHOW THERE ARE NO USAA CREDITS from XX/XX/XXXX thru XX/XX/XXXX LISTED UNDER TOTAL PAYMENTS AND CREDITS for this period XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX. ) I HAVE A RIGHT TO FINANCIAL DISCLOSURE OF THESE FRAUD CREDITS THAT ALLEGEDLY APPLIED TO MY BALANCE. USAA REVERSED OVER {$1.00}, XXXX AND HAS NEVER ** SHOWED THEIR MATH WORK PROOF OF USAA PERMANET CREDITS. THEY DO NOT LIST ON MONTHLY STATEMENTS. THEY ARE HIDDEN FROM CONSUMER. Two years, two years and USAA still will not show their fraud credits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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