BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Credit Card Acquisitions Group
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:
On XX/XX/XXXX Foster and Monroe was contacted in reference to this debt. I spoke with a gentleman named XXXX XXXX. He stated that the amount owed was {$13000.00} however with interest added the amount added up to {$37000.00} which dated back to XX/XX/XXXX. As of today I have not received any correspondence from the company. 
According to the FDCP act the company has not validated this debt, the account is well beyond the statute of limitations, they have re-aged the account and they have added a substantial amount of interest on the original debt which was originally {$13000.00} but now its {$37000.00}. There should be paperwork provided with what they are stating instead of a verbal response or written response to validate this. It is unfair for companies like this to abuse consumers let alone someone who served their country. This debt should be deleted immediately. This is an illegal tactic that collection agencies use. When this was purchased, the collection agency can not re-age the account to restart the clock. 
After filing one complaint the company responded on XX/XX/XXXX, stating that I had made no attempts to contact them. This is false information due to the fact that I have definitive proof that they were contacted. I am forwarding a letter to the State Attorney General and will be contacting the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions 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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to remove my fraud alerts

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 2022-09-15
Company: Maury Cobb, Attorney at Law, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX There was a letter mailed to me to attempt to collect a debt that I do not have in the amount of XXXX. 

I called XXXX and got my original information and I owe which I made a payment arrangement with XXXX for the amount of XXXX. 

Please have this taken care of and removed I am not responsible for this debt XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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 account # XXXX Account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 


XXXX XXXX XXXX Account # 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 2023-03-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer.

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX XXXXXXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 
Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 
I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased a used refrigerator from an used appliance store. The refrigerator stopped working 1 month after XXXX financed it. Now Midland Management has purchased the debt and suing me in court for double the amount and not the full contract for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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. 

XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account NumbeXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account details Account Number XXXX XXXX, Account Number XXXX XXXXXXXX XXXX XXXX, Account Number 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 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.

These inaccuracies are stopping me from getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: DISCOVER BANK
State: GA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I was defrauded by a company I thought was XXXX XXXX. 
I was attempting to get a refund for charges being made after I cancelled my account. 

After some discussion they said it was a Two Step authentication process. 
They had me open XXXX and get a code. I did. It seemed authentic. 
Then we agreed they would use XXXX to transfer the money owed. 
I had never used XXXX, so I wasnt sure how it worked. I assumed like XXXX? 
I have computer people that access my computer remotely, so I thought it was ok as I assumed these guys were legit. 
I gave them access to computer, but NOT the codes sent to my phone. ( BOA said I gave them those codes so refused the claim ). 
Before I knew what was happening he was making tranactions through XXXX that I thought was putting money owed into my account, but he emptied it instead. 

I know if sounds foolish and stupid in hindsight. Im usually so skeptical, so I cant believe it happened. 

I have been a client of BOA for almost 35 years. Ive never filed a claim. The one time I need their help and they refused. 
I called multiple times and they kept saying they had my wrong email address. I gave them the correct email but they never sent and explanation. Instead I received only this letter ( attached ) with no option to appeal or no recourse. 
The explanation is based on the phone call I made to the fraud department and that persons perception or interpretation of what I said. 
The facts are not correct.

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 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear CFPB, I am writing to lodge a formal complaint against the XXXX major credit reporting agencies XXXX, XXXX, and EQUIFAX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX. 

I sent this request on the following dates : XXXX. XXXX on XX/XX/2023 XXXX. XXXX on XX/XX/2023 XXXX. EQUIFAX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, XXXX, XXXX, and EQUIFAX have not updated my report to reflect my true and correct name. My credit report should only list XXXX name and XXXX address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by XXXX, XXXX, and EQUIFAX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: AES/PHEAA
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX XXXX account XXXX was reported inaccurately and has not furnished any information that my student loan payment was ever late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Contacted experian and they refuse to remove all of my old addresses. FCRA states all information must be accurate and incomplete experian refuses to remove all old addresses phone numbers from my consumer 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 2021-06-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a VENMO account with about {$500.00} in it that is linked to my checking account with funds in it. On XX/XX/XXXX I tried to pay someone using my funds only to find out my account was frozen. I was never notified. I was also unable to withdraw my funds back to my bank account. I followed all the online instructions for unfreezing your account, however, nothing worked. There are no phone numbers listed on the website to call so I finally sent an email. They didn't respond for a few days and when they did I was informed that it would take 6-8 more businesses days for someone to look into it. 

When I went on their XXXX page I noticed hundreds of complaints from other consumers who are having the same problem and many with worse problems. I believe there is some kind of fraud linked to the plunge in crypto currencies involved. 

Can you help? 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called my bank Wells Fargo regarding a lot of unknown deductions made by them. I was seeing a constant {$10.00} deduction without explanation. Every time I called about it, I would get the same response They said it was extra charges but they weren't able to tell me what those charges where for. One said for not having a certain amount of money in my account. But I always exceed the amount I was told. So since that wasnt the case i was asked to go to a branch to ask them the question and have them situated. When I went, I was told they didnt know why and that I had to call customer service. At the end of the day no one helped me and I still dont know what all those {$10.00} charges where for.

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 monetary relief
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To whom it may concern, I had recently disputed inaccurate data points that have been incorrectly reported by Transunion. There were inquiries placed on my personal credit file through the Transunion reporting platform that I did not authorize. I had disputed this information with Transunion through the FCRA dispute process and had the documents delivered certified USPS mail to this specific credit reporting agency. I provided all documentation that was needed in order for the agency to investigate properly, and yet the agency never conducted any investigation into my dispute. As matter of fact, and adding insult to injury, Transunion never responded at all. This is a violation the FCRA as well as CFPB dispute guidelines that are clearly laid out on the CFPB website. Transunion is negligent, and also complicit in their enablement of identity fraud. Also and in addition, I reached by phone to Transunion on 3 separate occasions and requested that they remove 2 security freezes from my credit file. Their automated customer service menu options almost forces a security freeze on your file prior to attempting to reach a live person. The agency never removed the credit freeze. I then submitted a dispute to Transunion using the same FCRA certified mail dispute process, while yet and still Transuinon refuses to process this particular request as well. As of today, XX/XX/22, the security freeze is still placed on my file. After only making efforts to correct only 2 % of consumer disputes, Transunion not having clean hands are negatively effecting my credit report which have damaging impacts on myself and my children. What do we do now? Credit reporting agencies seem to have gone completely " off-the-rails '' so to speak. I have attached screenshots as documentary evidence showing all of the documents that the bureau received on my behalf.

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 2021-02-03
Company: MoneyLion Inc.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I began receiving unsolicited email regarding a MoneyLion account with my email address. I do not have a MoneyLion account and had not heard of them until I started receiving emails yesterday. I have tried contacting them and received no response. 

Yesterday, they put {$50.00} into the account, today another {$25.00}. What is going on? I have not asked for this and do not want it. 

This is fraudulent use of my email details and I want it stopped and investigated. MoneyLion do not seem to be interested in helping me. 

The emails are being sent from XXXX and are address to me personally. Extract from the latest email below that was address to me : - Happy birthday month! To wish you a very special birthday, we're giving you {$25.00} extra in Instacash advances. Enjoy the boost to your XXXX limit now through XX/XX/2021. 
Thank you for being part of the MoneyLion family! 


My birthday is not in XXXX. For obvious reasons, I am not saying when it is.

Company response to consumer: Closed with explanation