BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
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 1681. 

Account name : XXXX XXXX Account No : XXXX and Account name XXXX XXXX XXXX XXXX XXXX  No : XXXX, has violated my rights. 

1

5 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 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
Consumer complaint received 2023-06-07
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have an Aspire Credit Card. I made a payment on XX/XX/XXXX for what I thought was the XXXX and XXXX payments, that is what it showed as Due. I don't have another payment showing Due until XX/XX/XXXX but the amount does not look correct- they are sending the request only via text to my phone. 

I signed up originally - request paperless statements to be sent to my email. Which they have the correct email. But I have not seen any statements. 

I usually check my account online to verify charges, statements, etc. They now have locked me out of my online account, even though I made a XXXX payment and the XXXX is not due yet. 

I have called several times their Customer Service Number which is out of the country. They keep routing it to Collections who refuses to unlock my online account or send me the statements for XXXX UNLESS I pay them what they are demanding first. 

I can not pay them until I SEE the statements or preferably gain access to my online account to verify the charges and amount they are demanding. 

I WANT to pay them. In fact I hope to PAY them OFF and get rid of this card!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: AA Recovery Solutions, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out the loan in XXXX with XXXX to help take care of some bills. I was making payments on time, but realized that the payment amounts were getting higher and higher monthly, to the point that nearly half of my check was being used to pay the bill casing me to fall further behind and deeper in debt. I tried to make arrangements to pay half here and there to get caught up, but my efforts were found to be futile. I was advised off the record by a XXXX employee to stop payments, and close acct. They would then reach out to me in attempt to possibly make an arrangement that was fair. I was contacted, but was unable to reach a payment plan that was fair or reasonable with my salary. About six months ago, I was contacted by a company by the name of AA recovery services. I attempted to get a little background information on them by asking questions, but was meant with rude replies and threats of having my wages garnished. I was told that they could set up arrangements for {$1200.00} a month until amount was paid in full. The initial amount of the loan was {$2500.00}. Even after making several payments initially, that amount has ballooned to approx. {$3900.00}. Today, XX/XX/XXXX. I received a phone call at my job from AA Recovery Services informing me that I need to be at my address on Monday XX/XX/XXXX, to sign for legal documents. I have never received anything in writing regarding any legal matters via mail from said company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NJ
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2020-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX to settle a debt with Capital One and came to a payment agreement to have it removed from my credit report and it still appears on my report. 

This unfair business practice that this debt collector has accepted a payment to settle the account but continues to tarnish my credit then why would I make a payment just to have the derogatory mark still reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: MARINER FINANCE, LLC
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: Information belongs to someone else

Complaint:
Negative information is showing on my credit report when the account is not even under my name. The name on the account doesn't match my name. Is not mine

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 2022-03-15
Company: Alliance Collection Agencies, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a collection in my report, which no one told me would be included in my credit. I wasn't notified and I don't know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX. XXXX has no knowledge of nor has XXXX  ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question.

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  XXXX, XXXXXXXX XXXX Account XXXX, XXXX XXXX XXXX  XXXX Account XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Accounts # 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 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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TRANSUNION is willfully and with negligent noncompliance reporting INACCURATE PUBLIC RECORD DATA on my report, specifically, THREE TAX LIENS. ALL 3 liens have been discharged. ALL 3 liens contain and/or are missing my personal matching information, including : name, address, Social Security Num. or Date of Birth. Since XXXX, the laws concerning Public Records reporting requires these data must BOTH include AND match the data connected to the individual for which that data is being connected/reported. ALL 3 liens currently state XX/XX/XXXXas date filed, it is now XX/XX/XXXX-- - ALL 3 liens should have been removed in XX/XX/XXXX. I will be forced to bring this issue into litigation if Transunion does not promptly delete this information. 
NOTICE OF DISPUTE HAS BEEN PROVIDED TO TRANSUNION : Certified letters were mailed in late XXXX and included : name, social security #, address, Date of Birth, disputed data was circled identifying which specific records were being disputed on an included copy of my credit report, a narrative of why the info is inaccurate was furnished to Transunion, and I requested the information removed, and for Transunion to investigate the dispute and provide documentation of how this record is correct if they continue/d to report it, because it is wholly inaccurate. Its a you-do-the-math scenario. NONE OF THE OTHER CRAs ARE REPORTING THIS OUTDATED/TIME-BARRED INACCURATE DATA. This will serve as my last notice before I am FORCED to file suit. Thank you.

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 2020-03-05
Company: EQUIFAX, INC.
State: NJ
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:
initially sent a dispute letter XX/XX/2020, with a picture of id and social security side by side and a bill and got no response. Then I sent another letter XX/XX/2020 certified mail. again with a picture of id and social security side by side and a bill. there reply was they cant locate my account and asked me for the same information ( id, social security, bill ) That i already sent. This has been well over 60 days of my initial letters and feel as if I am being stalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: OneMain Finance Corporation
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This lender overcharges me on the monthly interest. When I make my full payment they charged interest and they also charge interest on all subsequent payments made within the billing cycle. her is an example of the last month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-07
Company: Mr. Cooper Group Inc.
State: AR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, XXXX XXXX sent myself a letter referencing the closure of my account and relationship with Mr. Cooper for loan no. XXXX address XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Arkansas XXXX. At that time all funds, fees and debts were claimed to be settled. The beginning amount was XXXX, yet the payout to my family was only XXXX leaving to conclude that XXXX was kept in order to settle the debt. The remaining funds were sent to # XXXX XXXX XXXX XXXX, Arkansas XXXX. Since XX/XX/2020 when the account was closed I have been waiting on my credit from all three major bureaus to reflect closed accounts in positive positions. In order for my family to pick up and move forward credit plays a huge factor, therefore We request that the needed information in reported within 30 days of the submission of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: TN
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 ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have to contacted the bureaus to remove these 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 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One Card is showing a missed payment from XX/XX/2018 - payment was not missed or notified of missed payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The account doesnt exist without fraud. Ive contacted Navy Federal multiple times in different department and in person. No one can find a history of the account or the collection because it doesnt exist. The account is created fraudulently. I still have a savings account with this bank. I deposited {$50.00} into the savings account in XXXX ( the member account for online banking says no collections can be collected on my member number at all so Im not sure how {$63.00} was taken out on a charge off collections account that doesnt exist and I cant see it on my end and no statements have been printed for it because there is no history of any transactions for the account. 
The charge off department and recovery department have not resolved the issue. Since the XXXX breach on my record in XXXX and the XXXX of the same year, any bank records in XXXX are fraudulent as I didnt have any access to any checking accounts in XXXX. 
I need this charge off removed immediately and my deposit do {$63.00} returned to my savings account before I close it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, my credit report was obtained and was used to apply to multiple creditors. Someone broke into my car and stole all of my items including personal bank cards, id and social security. My credit has had a fraud alert on it to not be obtained and the companies still went against my credit protection and faulted me for a debt that was not mine. I have been in military training and have no way of applying to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX Transunion XXXX XXXXXXXX XXXX XXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.

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 2023-12-07
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a membership with XXXXXXXX XXXX and was advised if i canceled within 30 days it would be removed and i did which i attached to the debt collector and they continued to Harras me requesting a debt that the gym was aware that i no longer owed. The gym refused to acknowledge the cancellation they gave me and sold a debt i did not owe. and attached you will see the noticed from Aldous and associates.

Company response to consumer: Closed with explanation