BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE OF COMPLAINT To : Transunion Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Take due notice that this letter is a formal written complaint is a demand for the following items on my credit report to be Removed immediately as they are in violation of 15 U.S.C 1681 ( b ), whereas the following unauthorized inquires are indeed inaccurate and did not obtain my oral or written permission to report such unauthorized inquires and has done so by way of FRAUD! Each unauthorize inquiry calculates up to {$1000.00}.

15 U.S.C 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

UNAUTHORIZED INQUIRES CREDITOR DATE FEES XXXX  XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00XXXX XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00} Total {$5000.00} In result of these unauthorized inquires, complainant shall be entitled to the calculation of {$5000.00} in remedy for fraudulent reporting of each inquiry on said credit report as it has caused an effect to my credit score.

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 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We submitted a valid payment to our account, as we have since we opened the card. The bank has suddenly decided that they have a new policy of not crediting valid payments for some indeterminate period of time ( each time I call I get a different number of business days ). They have independently and manually verified, with me on the line, that the payment is valid, but have continued to shrug and tell me that despite possessing thousands of their dollars, their new policy does not allow them to credit the payment to our 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 explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
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: 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 involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : Inquiries : 1. XXXX/XXXX-Date of inquiry XX/XX/XXXX 2. XXXX-Date of inquiry XX/XX/XXXX 3. XXXX-Date of inquiry XX/XX/XXXX 4. XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay my monthly American Express balance in full each month via their app on my phone. The last statement indicated the due date was XX/XX/XXXX. I paid the full amount ( {$14000.00} ) on XX/XX/XXXX. The next statement included a {$380.00} finance charge and a {$29.00} late fee. I informed American Express by phone & was told there would be an " internal review " & I would be notified ( this was on XX/XX/XXXX ). I received no notice & called again on XX/XX/XXXX. I was told that it was declined and that the interest & late fee were due. In addition another {$190.00} was added as what they called " trailing interest ''. The only remaining balance during their review was the previous interest & late fee. So the balance now has increased to {$610.00}, none of which I feel is warranted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I hired XXXX XXXX XXXX to apply a XXXX  monintoring unit on a car for a XXXX week surveillance. I was charged {$900.00} for this service and I paid {$900.00} for this service- {$150.00} for installation of the unit, {$150.00} for removal of the unit, and {$750.00} for the 2 week surveillance. My checks from XXXX  XXXX XXXX XXXX for this service are listed below : XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} XX/XX/XXXX Check # XXXX {$300.00} On XX/XX/XXXX I received an email from XXXX XXXX  XXXX XXXX an invoice showing that I owed {$1900.00}. I attempted to communicate with XXXX XXXX XXXX inquiring about this statement, but never spoke to anyone. 
On XX/XX/XXXX I received another email from XXXX XXXX XXXX with another invoice but this time the invoice amount was {$1300.00}. Again I attempted to communicate with XXXX XXXX XXXX by phone, email, and text, but had no success. 
XX/XX/XXXX I received a notice from XXXX  XXXX XXXX XXXX XXXX showing that I owed {$1800.00} for services from XXXX XXXX XXXX. 
On XX/XX/XXXX I submitted all my documents to XXXX from XXXX  XXXX XXXX XXXX XXXX via XXXX. 
On XX/XX/XXXX I emailed XXXX again at XXXX  XXXX XXXX XXXX XXXX confirming that my account was closed and the issue dropped since I had not heard anything back from them. I never heard back from XXXX or anyone else at XXXX  XXXX XXXX XXXX XXXX. 
Then on XX/XX/XXXX I received a notice from Outsource Receivables Management stating that I still owe money for XXXX XXXX XXXX. I submitted the same info packet to Outsource as I had for XXXX  XXXX XXXX XXXX XXXX explaining that I owed nothing. My account was sent to collection. 
My credit score prior to this issue was at XXXX. At present my credit score is XXXX because my credit shows a delinquency for XXXX XXXX XXXX. I submitted dispute letters with each of the credit report agencies. I have a Financial Counselor from with XXXX XXXX XXXX XXXX working with me. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
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: 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 involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of updating the item in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXXBalance {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: NRA Group, LLC
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 status incorrect

Complaint:
I've sent them numerous documentation to prove the errors that exist on my credit profile but to date they have not corrected any items on my report. They allowed fraud to be placed on my profile now its hurting me financially as I am not able to obtain employment as of a direct misrepresentation and errors on my credit profile. Moreover, they have allowed a credit collection company named National Recovery to place erroneous credit information on my report. I've never signed an agreement with this company nor do I owe them anything.I believe their actions are criminal at this point and I am willing to testify in any court of law to that fact.

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 2023-07-19
Company: Southwest Credit Systems, L.P.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems ( AKA SCS ) XXXX XXXX XXXX XXXX Tx, XXXX Account # XXXX for T mobile They refuse to provide the needed documents entitled to me by Federal Law, FDCPA and USC 1692 to show a debt obligation / debt collection is legal. It is not.

This company is illegally prohibiting me from using my credit needed as I am starting a business and buying equipment.

No contract is provided showing authority of Southwest Credit Systems to collect for T mobile. No contract or accountings of credits/ debits showing a balance owed from XXXX XXXX SCS has previously violated my rights and complaint is on file with CFPB with other companies. 
An electronic verification is not acceptable, a manual verified accounting is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CL Holdings LLC
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 status incorrect

Complaint:
The following company : JEFFERSON CAPITAL SYSTEM has fraudulently opened a fraudulent past due account and reported it as in collections on my credit report.

I never had an account with XXXX   VISA BUSINESS CARD. I am now buying a house, and this fraudulent collections is putting a {$92.00} derogatory mark on my credit report, from a credit card company that has NEVER been reported on my credit report.

This remark needs to be removed and this complaint needs to be filed to help Americans protect against fraud and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: I.C. System, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the XXXX XXXX XXXX and XXXX XXXX and their debt collection company, IC systems Inc., concerning their fraudulent billing practices and subsequent reporting of these bills to credit reporting agencies. The XXXX and XXXX XXXX 's deceptive actions have resulted in significant financial harm to the residents of XXXX XXXX. 

I wish to bring to your attention a series of articles that highlight the fraudulent practices of the XXXX XXXX XXXX and XXXX XXXX over the past five years. These articles present substantial evidence of the board 's deliberate misrepresentation and deceptive billing practices. Please find the relevant links below : Article 1 : XXXX XXXX  XXXX Article 2 : XXXX XXXX XXXX Article 3 : XXXX XXXX XXXX Article 4 : XXXX XXXX XXXX Article 5 : XXXX XXXX XXXX These articles demonstrate numerous instances where the Sewerage and Water Board has sent fraudulent bills to the Citizens of the city of XXXX XXXX and subsequently reported these false debts to various credit reporting agencies. These actions have inflicted severe financial hardship, damaged credit histories, and imposed unwarranted negative consequences on innocent individuals. 

As a victim of the Sewerage and Water Board 's fraudulent billing and reporting, I have personally received inaccurate bills, which were then reported to credit reporting agencies without any valid basis. These erroneous reports have significantly impacted my creditworthiness and caused significant distress. 

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the fraudulent billing and reporting practices of the XXXX XXXX XXXX and XXXX XXXX. It is essential to hold the board accountable for their deceptive actions and prevent further harm to the residents of XXXX XXXX. 

Furthermore, I urge the Consumer Financial Protection Bureau to take appropriate measures to rectify the damage caused by the Sewerage and Water Board 's fraudulent practices. This should include enforcing penalties, facilitating the removal of inaccurate information from credit reports, and implementing safeguards to prevent future occurrences. 

Should you require any additional information or have any questions regarding this complaint, please do not hesitate to contact me. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address the fraudulent billing and reporting practices of the XXXX XXXX XXXX and 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
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been the victim of ID THEFT for years now and have fought with EQUIFAX to remove fraud accounts. EQUIFAX removed the fraud accounts. Conf # XXXX and XXXX and now the accounts are re-reporting!!! I can not get in contact with anyone who can help resolve this matter. At one time I was given the office of consumer affairs phone number to assist, but this number is no longer valid. I also can not log into myequifax.com upon begin told it would be fixed it has not!!! This is the error message I keep getting Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and midnight ( ET ), 7 days a week. 

No one can help!!!! 
My SSN is XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Not only was I not given proper notification bi law u are now at the seven year mark allowed bi law for you to report to my credit. Please remove it from my credit law is not from you purchased the debt law is from the first day of missed payment which obviously I was in prison since 2016 you cant Have it both ways

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amsher Collection Servicrs Inc. placed a debt on my credit without sending me any prior notification of my right to dispute this debt as required by law. I have no knowledge of this account and this debt is not owed. I don't have a contract with XXXX or Amsher Collection Services Inc. I disputed this debt with XXXX  and it was removed then place on my XXXX and XXXX credit report again without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
CFPB + Experian, On my XX/XX/2022 I see there are items that are inaccurate that I would like fixed - attached to this complaint are : - my drivers license - my social security card - my address - my written complaint - my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My husband and I had IdentityTheft/Fraud on XX/XX/XXXX. We contacted Experian on XX/XX/XXXX after we took care of changing our personal information, report to police and Social Security Office. We received a Pin #, was advised if we ever wanted to lift it we had to provide the Pin #. Well on XX/XX/XXXX we contacted Experian, was on a Sat, said they'd charge us money to lift it and if not call back on Monday XX/XX/XXXX. We did and whoever XXXX was removed the freeze permanetly. I assumed it was removed but as of XX/XX/XXXX it apparently is still frozen. We are trying to buy a home and the Broker said to contact Experian. What a joke! We got an authomated system, no one picks up the phone, after I entered the correct infromation it said it didn't recognize my information to put it in writing. I tried online with ALL PERTINENT INFORMATION and said it didn't recognize my Pin #. We both need it removed in order for the XXXX XXXX to run our Credit Report. XXXX did there job, XXXX did there job but Experian didn't go there job! Very stressful for us and others who may be having this experience. On XX/XX/XXXX Experian gave me a Pin # 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
Consumer complaint received 2019-11-05
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with Debt Recovery Solution. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My original loan balance of +/- {$25000.00} that was being serviced by EdFinancial has been in various stages of repayment since XX/XX/2006 ( almost 13 years ). In that time the balance has actually increased to +/- {$28000.00} while I was making payments!

After calling the customer service line, they advised that this was because I agreed to a graduated payment plan. I never agreed to this ( knowingly ).

They also advised that the interest accrual was because of the forbearance. Again, this is something they said I agreed to in writing or verbally, but this is nothing that was ever disclosed to me in terms that I could understand. I would have never agreed to this had I understood that the balance of the loan would increase!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This complaint is against Portfolio Recovery Associates LLC and XXXX XXXX XXXX for which there is already a Consent Order on file by your office. 

PRA obtained a judgment against XXXX in XXXX for a XXXX credit card account that was closed in XXXX. There was a subsequent appeal as the District Court did not allow XXXX to present evidence of his payments though a credit counseling service or present evidence that the statute of limitations had expired. The appellate court let the judgment stand. 

The ten-year old Judgment expired in XX/XX/XXXX and PRA did not collect due to en exemption. Now, 20 years after the junk debt was purchased by PRA they filed suit a second time and entered a new judgment for additional amounts owed. They have also threatened garnishment. 

Subsequent to the lost appeal in XXXX - XXXX was noticed in a class action suit ( i.e.XXXX ) that the Affidavits used by PRA ( XXXX XXXX ) were fake and similar to XXXX/XXXX affidavits used in the class action and the notary public was the same as in that case.

Company response to consumer: Closed with explanation