BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is attempting to collect a debt that XXXX XXXX stated is not owed. His billing service is closed and he is not seeking payment. He is not authorizing the collection company to proceed with any attempts to collect this debt. He is a partner in the practice and since left. He is also the provider named in the collection attempt. 

He can be reached at XXXX and will verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Acct # XXXX, XXXX Acct # XXXX, XXXXXXXX XXXX  Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # 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

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 2020-02-29
Company: Lending Club Corp
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took out and repaid a loan more than two years ago. Lending Club won't stop mailing me offers for new loans. I've emailed their unsubscribe email they include on their mail offers, but that has done nothing to dissuade them. I don't want anymore loans, nor anymore mail from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-15
Company: LJ Ross Associates
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: Information belongs to someone else

Complaint:
I want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2021-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates, LLC keeps putting inaccurate information on my XXXX and XXXX reports. I never had this debt with this company and I am prevented from getting credit due to a low credit score. The company sent me a letter stating that they are unable to collect on the debt because it is too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Account is Not mine, They stolen my identity Fraudulent Account I demand be eliminated. 
The Account Name is American Leading the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
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 contacted Bank of America on XX/XX/2020 because they had reported fraud to my XXXX XXXX report. They informed me I owed them no money so I asked why wear I reported for fraud? They hung up in my face. I repeated them to the CFPB on XX/XX/2020. A rep from BOA ( XXXX XXXX ) emailed me on XX/XX/2020 and said to get in contact with her. I tried with no avail! Left voicemails until her mailbox was full only to be emailed that my investigation was closed even though no one contacted me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
on XX/XX/XXXX. I disupted multiple inaccuracies with XXXX, XXXX, and Transunion. To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with XXXX, transunion, XXXX you believe that information in your personal credit report is inaccurate or incomplete, please call or visit our site to dispute for free. This is unlawful and the following matters need to be corrected all 3 credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. Item Number Company Name Account Number Comments 1. XXXX XXXX  XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX- Please delete 2 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late. 4. XXXX XXXX XXXX XXXX remove all XXXX late payments 5. XXXX XXXX - The account and late payments are in accurate 6. XXXX/ XXXX XXXX XXXX 30 day late payment.

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 2019-01-14
Company: Federal Adjustment Bureau, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I applied for an apartment complex, XXXX XXXX, who uses FABCO for their third party screening. I applied and was approved at the end of XXXX. The FABCO  inquiry shows on my XXXX   credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from FABCO  on my report. I quickly called FABCO  to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to FABCO  and let them know this was an inquiry in error. I also sent a dispute letter to XXXX which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. XXXX  has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out the loan in the amount of {$1500.00}. However when that amount had been meet I inquired what would I need to close the account and stop the bi-weekly payments from coming from I check. I learned that the interest payment/ balance was actually more than the original loan amount. I was informed that I had a remaining balance of {$1500.00} but I could pay it off early for the amount of {$1400.00}. The interest rate is what really concerns me and I feel is truly criminal. The finance charge is : $ XXXX@ 339.89 %. 

I can not believe that is correct, I will meet my obligation to pay this but, I would have loved the opportunity to have at 75 % of the finance fee reduced so that I can see a light at the end of the tunnel. I got this loan under a very desperate time in my life. Now I'm told that {$240.00} will continue to be withdrawn from my account until XX/XX/XXXX. 

Can you assist me with this matter in any manner or assist with this Loan Sharking methods? 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing CONTINUOUSLY since XX/XX/XXXX, to have the dismissed bankruptcy removed from my credit report. I kept getting responses that the account was accurate however, it can't be since it no longer legally exists! On XX/XX/XXXX I still continued to dispute the Bankruptcy with the bureaus however this time, they never responded! I sent another follow-up on XX/XX/XXXX regarding the same item. To this day, XX/XX/XXXX, I have yet to get a response from the bureaus of what they are doing with my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Second Round Limited Partnership, Austin, TX Branch
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have diligently made numerous attempts to establish communication with the esteemed legal entity of XXXX, XXXX XXXX XXXX, XXXX, through their designated online portal, with the intention of orchestrating equitable and rationalized payment arrangements. Regrettably, my persistence has waned, prompting this communication. It is paramount to note that I conscientiously conveyed my circumstance of international occupational obligations, warranting the employment of this virtual channel as my optimal means of contact. 

In a disconcerting development, I found myself subjected to legal proceedings by the aforementioned entity in relation to a debt that had been duly expunged from my credit dossier by virtue of the efforts undertaken by Second Round Sub , LLC. This expungement was the result of an acknowledged error, subsequently mandating its erasure as per the provisions of pertinent legislation. Astonishingly, XXXX, XXXX XXXX XXXX, XXXX, appear to have maintained an audacious interpretation of their legal prerogatives, persisting in their endeavor to recover the aforementioned debt. 

I am compelled to admit that, despite my reservations, I have acquiesced to their assertions. However, it is of considerable concern that my earnest overtures have met with conspicuous silence on their part. Curiously, this silence seems to be in stark contrast to their apparent diligence, as evidenced by the dispatch of two instances of " Interrogatories in XXXX of Execution. '' These inquiries, probing into my financial, real estate, and business affairs, materialized subsequent to my return to the United States. 

It is with a sense of unease that I apprehend the notion that XXXX, XXXX XXXX XXXX, XXXX, XXXX be exhibiting a disregard for the genuine predicament at hand, thereby culminating in practices that are perceived to be inequitable and discordant with principles of just commerce and jurisprudence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Note : All documents and attempts to collect equity owed are lawful and accordance to the federal reserve act, bills of exchange act, laws passed by congress and the U.S. Constitution. I am a law abiding citizen of America and my rights are being violated. Which I will prove in Arbitration.

On or about XXXX  an application ( collateral security ) was given to XXXX XXXXXXXX XXXX XXXX AMERICAN EXPRESS. 


Upon my research and investigation I have found out that my application ( collateral security ) was in fact exchanged for federal reserve notes at their local XXXX XXXX XXXX ( as I pay fees and interest out of pocket on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities and equity that were taken from my estate. 


On XX/XX/XXXX XXXX XXXXXXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice XXXX XXXX XXXX XXXX that I accept all Titles , Rights, Interest and Equity owed to XXXX XXXX XXXX Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me. 


I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. 


Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the XXXX XXXX Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or XXXX XXXX  assessed . 


They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
I called Equifax 2x in regards to 2 different cases where someone else applied for XXXX XXXXXXXX bank, fraudulent activity that wasn't from me. It ultimately brought down my score a significant amount. The first call I explained them the situation and got hung up on. The second time was similar. The 2 hard inquiries were both from XXXX  XXXX, one was on XX/XX/XXXX and the other one was XX/XX/XXXX. Equifax did absolutely nothing to help my fraud case please help. Equifax is in clear violation of 15 U.S. Code 1681, ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.

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 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.

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 2021-11-04
Company: Experian Information Solutions Inc.
State: MI
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 several incorrect issues reporting in my credit reports with XXXX, XXXX and Experian so on XX/XX/2021 I sent the 3 aforementioned credit bureaus dispute letters to investigate the inaccurate information reporting on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY # XXXXXXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX accounts. When I didn't get a response by XXXX I was concerned but, I sent more dispute letters to the credit bureaus into the incorrect issues on XX/XX/2021. It's now XX/XX/2021 and still not one letter back from any of the credit bureaus. Not one letter. The credit bureaus are obligated to respond back in 30 days to all dispute requests but, It's been 3 months and they have not responded. I am asking you to enforce the FCRA and delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDUCATION, XXXX XXXX BANKRUPTCY XXXX XXXX BANKRUPTCY XXXX XXXXXXXX, and remove the late payments from XXXX XXXX XXXX  and 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