BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-25
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: Account information incorrect

Complaint:
i have a card with XXXX XXXX XXXX XXXX. 
cash rewards. i paid off trhe balance and its not showing on my credit report {$1100.00} should show a XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.

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 2018-10-19
Company: EDvantage LLC
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Loan Refund is what is due!

Tuition Options, endorsed by the XXXX XXXX XXXX, secured my student loan. I have contacted Tuition Options on several occasions. My loan to attend the defunct school should be returned and I am asking for your assistance. 

Please see finding of fraudulence by XXXX XXXX XXXX, XXXX Ma in text below. 

XXXX XXXX Announces XXXX XXXX in Debt Relief for Thousands of Massachusetts Students Who Attended XXXX XXXX XXXX Former For-Profit School Admitted to Lying and Violating Massachusetts Law ; U.S. Department of Education Takes Unprecedented Action to Cancel Student Loans XXXX Nearly 4,500 students victimized by the now-defunct XXXX XXXX XXXX ( XXXX  ) in Massachusetts will have their federal student loans forgiven by the U.S. Department of Education, Attorney General XXXX XXXX announced today. The announcement marks the first time the Department has granted a state attorney generals application to cancel loans for a group of defrauded students. 

According to the Department, students who attended any of XXXX five career training schools in Massachusetts XXXX, XXXX, XXXX, XXXX, and XXXX will have their loans discharged based on deceptive and illegal practices uncovered by the AGs investigation into the former for-profit school. In addition to federal loan discharges, former XXXX students will also be entitled to refunds of any payments made on their federal loans. The combined borrower loan discharges for XXXX students announced today will total roughly XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
These credit bureaus negligently aren't looking to falsely reporting incorrect data. Disputed already and are acknowledging improper following on my consumer rights. Attempted to get this removed off my record for breaking multiple US code rights. 

XXXX XXXX : XXXX. As you are able to see below this account is in clear violation of 15 U.S. Code 1681e - Compliance procedures. Which clearly states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures TO ASSURE MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1666b - TIMING OF PAYMENTS. Which clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S Code 1692g - VALIDATION OF DEBTS. Which clearly states The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor. HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

As you can see below this account is in clear violation of 15 U.S. Code 1681a ( D2 b ) - Definitions ; rules of construction - Exclusions. Which clearly states the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device HAVE THESE INACCURATE AND UNVERIFIABLE INFORMATION REMOVED FROM MY CREDIT PROFILE ALONG WITH ACCOUNT.

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 2020-02-28
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector, Caine and Weiner ( https : //www.caine-weiner.com/ ) has continuously made telephone calls from proxy phone numbers to my phone as early as XXXX and as late as XXXX at night. I have receive phone calls on the following dates and times over the last week alone, and have repeatedly asked them to not call me regarding this matter : XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX XX/XX/20 - XXXX The frequency and number of calls is staggering and annoying in every sense. Calling to collect a debt as little as ten minutes apart is interfering with my work and my ability to function at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several times through certified mail asking for valid proof of ownership of account with a signed contract with this company. This company has failed to send the contract but statements, which is not the same yet has not removed from 2 of my credit reports ( XXXX and XXXX ). Pursuant to 18 USC 8, I owe no debt, THis company is violating my consumer right to privacy pursuant to 15 USC 1682 1b. This company has no permission to report ANYTHING using my information pursuant to 15 USC 1681.4.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an alert from XXXX XXXX as well as XXXX that there had been a change to my credit report. My credit dropped XXXX points from XXXX to XXXX ( you don't get this type of score by not paying your bills! ) It listed MRS Associates as they reporting agency and said I owed {$59.00}. In digging deeper it said the original account that the debt was owed to was XXXX. I knew it must be an error and called XXXX immediately. It was the end of the day and they told me to call back on Monday which I did as soon as they opened. The person that I spoke with told me that it was for a modem that had not been received. We sold a 2nd home during COVID and XXXX sent us 2 mailing labels to mail the modem and 2 boxes back, which we did. We did receive a letter from XXXX saying that they did not receive the modem but my husband provided proof of the receipt from the UPS store.That was in XXXX or XXXX of XXXX and we never heard another word. They have our mailing address but NEVER did we get another notice. And NEVER did XXXX XXXX  ( which I verified also had our correct mailing address ) send us any type of notification before reporting me to the credit bureaus. I spent time on the phone with XXXX and eventually paid the {$59.00} to clear the issue and then took the issue up with XXXX. In my call to XXXX I aksed how they could turn us in to a collection agency without ever notifying us so that we had a chance to dispute it. The representative had no answer, he did verify that they had received two boxes, one on XX/XX/XXXX and the other on XX/XX/XXXX but could not tell me what was in the boxes, only that they still showed a missing modem. They got the modem, it just wasn't marked as received. I was told they would open an investigation to see if they could locate it. The account was XXXX years old, we never had a late or missed payment and were never notified that there was still an issue. I would like this removed from my credit! I just don't see how it's fair to never even notify a customer that there is an issue and turn you in and damage your credit. Both XXXX and XXXX verified our mailing address so there is no way we would not have received communication if either of them bothered to send us anything. I am furious that I had to pay {$59.00} for an item that we shipped ( and they received ) but even more furious about taking a hit to my stellar credit that I have worked hard to build and maintain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Bliksum, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that XXXX XXXX XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX XXXX XXXX is reporting inaccurate information on LOANME INC. This was purchased by another lender, so why is it acquiring late fees? I tried contacting the XXXXXXXX XXXX XXXX  requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ALSO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA is INCORRECT and needs to be removed. My CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX and XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a continuation of complaints XXXX, XXXX, XXXX, and XXXX. I called USAA to follow up to see why our debit cards are still frozen after providing them scans of our passports, taxes, my military orders, etc. She transferred me to a supervisor ( I was on hold almost XXXX minutes while waiting for the supervisor ) and the supervisor informed me that we had to answer questions. I said what questions, the ones the previous customer service agent said she needed and that are answered in all the documents I submitted to USAA ( income from me and my wife, etc. ). 

She said that they wouldnt even be able to unfreeze our cards since that team works only Monday through Friday. So USAA contacted my wife this morning ( XXXX XX/XX/2023 ) and they kept me on hold for over half an hour even though they knew they couldnt do anything this weekend. 5 days and counting of having our debit cards suspended, talking to over half a dozen customer service agents ( between me and my wife ), using our Polish phone to call a US number racking up our phone bill, then USAA providing a memo ( with hardly any details ) generated only after me calling and being backdated to before I inquired, and there is still no resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
Credit reporting agencies have furnished or are furnishing accounts on my profile in violation of the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being 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 2023-08-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for 972k purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: BB&T CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in 2012 through a local lender. Within the month the lender had sold our mortgage to BB & T. we have had several issues with them, but most recently it is twofold. 
1. my wife was unemployed and receiving unemployment insurance. we applied for hardship. BB & T made us fill out the same forms multiple times, lost paperwork with personal information, and made the process take more than two months. by the time it was finally approved y wife was working again, and we were two months behind. BB & T then refused to accept payments when we did try to make them, even though the payments were for more than one months worth of mortgage.

2. we also received a letter from BB & T stating that they sent an inspector to our house and our house was reported as vacant, a violation of our mortgage ( once again, we never signed a contract with BB & T ), and that they were going to take steps to secure the property. our home has never been vacant, and it is clearly occupied even from looking at it from the street. when we asked BB & T why they thought it was vacant they responded saying that sometimes the inspector doesn't approach the house but instead makes the decision from a distance. this is unacceptable.

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 2023-03-15
Company: Continental Finance Company, LLC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2023 I called Continental finance company I have XXXX XXXX  and XXXX  card I wanted to file with the hardship program due to a loss of income from a job. They denied me through a computer system. My account is not late, it is current I pay on time every month and am treated poorly by these cardholders. They want late charges to occur only to enrich themselves, I request both XXXX and XXXX  card accounts be closed. They both inform me it's a system that makes the decision, what system? XXXX and XXXX [ supervisor ] - XXXX XXXX XXXXXXXX { 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