BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. XXXX XXXX failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line, and the failure to request the tradeline be marked as one in dispute, my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
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:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After reviewing my consumer report, I noticed that there was a collection account on my report which I did not authorize ( XXXX XXXX ). On XX/XX/2021, Experian deleted this collection account from my consumer report which I disputed ( See Deletion Page Attached ). A DELETION is ADMISSION of violating the consumer. The following laws were in violation of my rights as a federally protected consumer under Title 15 Chapter 41. I never gave written instruction for Experian to furnish this collection account to my consumer report ( 15 USC 1681b ( XXXX ) ), therefore, for this collection account to be reported, it was identity theft. Experian also allowed XXXX XXXX to have access to my consumer report without my permission or consent which is illegal pursuant to 15 USC 1681n ( b ). With an initial investigation not being completed by Experian ( before furnishing the information ), this collection account should have never been reflected on my consumer report pursuant to 15 USC 1681a ( XXXX ( b ) ), which states a collection account should be excluded from a consumer report. In response to the review of my consumer report, I have sent Experian a correspondence on XX/XX/2021 which included an Affidavit of Truth, invoice, and supporting documents which they received on XX/XX/2021.

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 2019-07-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019, I had submitted a complaint to all CRA 's ( XXXX, Experian and XXXX   ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.

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 2019-07-09
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2019, I had submitted a complaint to all CRA 's ( XXXX, XXXX and TransUnion ) regarding a collection report on my credit file from XXXX. This collection agency and the original creditor is falsely and illegally reporting this debt. My evidence is attached.

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 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed 3 different complaints. I still have no resolution. I have written letters and gotten no reply, called and can not get through on any phone number given and now have submitted 3 different complaints with no direct answer. This company uses stalling tactics. They now are stating that they will only contact me via mail. To date since early this year I have not received anything in the mail from the company stating they will or will not accept the offer I sent prior months ago. When will an offer be sent from Midland Credit? Midland Credit pays pennies on the dollar from the 2 creditors, XXXX XXXX and XXXX XXXX. An answer is needed if an offer will be sent and when or if no an offer will not be sent and the debt will not be reduced. I just want a simple answer, I am unsure as to why this is so difficult. I am trying to pay this but at a reduced amount or a payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX, 2021, a fraudulent transaction was made with my credit card in the amount of {$2100.00} in XXXX XXXX. I reported it to the issuing bank as soon as I saw it on my statement. But after repeated calls and explanations they will not accept that the transaction was fraudulent. I made a legitimate transaction at a store in XXXX XXXX for {$61.00}, but while they had my credit card in their possession they processed a second transaction for {$2100.00} that was fraudulent. Since both transactions were made with a chip reading device my credit card bank believes that and only that proves the transaction was not fraudulent. I have asked to see a receipt I would have signed for the {$2100.00} purchase and to know what the charge was for, but the bank can not provide that. The inability of the bank to produce a signed receipt for a transaction of this size should be enough to substantiate the fraud. Here we are 6 months later and that fraudulent transaction is still on my 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 2017-10-03
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Standander is stating i have a debt with them, regarding an auto loan.  I know they have the wrong person.  This is a family members debt with the same name has me.  This has happen a lot, and I tired to file a fraud paperwork but because the family member has taken out the debt and had it repo.  I don't have a lot of options.  When I call in to customer service, I give them my social and they can't pull up the debt.  I'm not sure what to do, but this had landed on my credit and I can't get an auto, or house loan, or any type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Navient student loan services constantly harass me by phone call almost everyday and they always collect money from me even if Im not finished with my college degree. It was agreed that i would start paying as soon as I was finished with school but nevertheless they tricked me and i have been paying my loans ever since the call started. I recently checked my credit score and it decreased XXXX point away from me just because of Navient. I have file a dispute and I'm afraid it won't be a success because i have no confirmation ID's on any of the payments. I recently paid off more than 500 dollars and my credit score will increase over time but i need this negative statement off my credit report !!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amount is for {$260.00}. which I do not owe. /the representative has asked me to dispute debt directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX 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. 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 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 2019-07-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to buy concert tickets and the person on XXXX said to send money through XXXX. I said, " how do i know if i send you money you'll send me the tickets '' and they said " its a secure transfer through your bank ''. They gave me a phone number and a name to find on XXXX, I transferred the money ( XXXX ) and waited for the tickets. They never sent them and disappeared. I immediately called Wells Fargo and they opened a claim. Right after that I called non-emergency police and filed a claim as well as said to press charges if they find the criminal. I gave them the XXXX XXXX ID number, and all other information I had. Wells Fargo closed the claim and said I can resubmit with any new information, I tried again and it was closed again saying it was not fraudulent, and taking not helping with XXXX at all. I called to find out information, and all they said was they can not " go into someone else 's account and retract funds '' even with a police report. I issued a complaint on the phone then with Wells Fargo, and they said they'd mail me any updates. XXXX has no fraud department, and hangs up on you when trying to connect. I don't know what else to do at this point. 

Date of money transfer through Wells Fargo using XXXX : XX/XX/2019 Amount : 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 2020-09-02
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: Information belongs to someone else

Complaint:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS THEY USE MY SOCIAL SECURITY NUMBER AND ID WITHOUT MY CONSENT OR KNOWLEDGE IT WAS USED FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-04-06
Company: EQUIFAX, INC.
State: FL
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 XXXXXXXX and XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I checked the XXXX website to apply for an auto loan. Rates are published in the website and I know a lot of people who financed their cars with XXXX at 1.49 % or 1.99 %. To my surprise, there is a notice now on the website that reads : " Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at XXXX. '' When I called, the rates for Puerto Rico are much higher that those offered to the rest of American citizens consumers in US. XXXX discouraged me from applying to the loan with those higher rates. 

I understand this is a discriminatory practice under Fair Lending and other related consumer regulations and must be investigated and corrected. In addition, I was informed that these different rates were apparently established in the aftermath of Hurricane Maria.

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 2017-10-03
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Was sent a letter almost a year ago, stating if I did n't start paying my loans or pay in full, that my paychecks would be deducted {$170.00} each pay period until balance was paid. Then after setting up a payment plan for {$15.00} a month, I was hassled my advisor everyday calling and leaving voicemails daily. Then they would send me something in the mail saying that my payment did n't go through or call me saying it did n't process and I would pay it again. Then suddenly they stopped my automatic payment plan and transferred over to a new collector, then said I owed XXXX XXXX monthly ( which was n't the contract ) then saying I was n't paying my amount when I was sending them payments. And keeps sending me " pass due '' bill statements. I was told that I would n't collect any more interest since it had gone to collections, I have yet to see any changes to the balance. It has been the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a spirit world MasterCard with Bank of America and as part of my benefits I get redemption fees waived when purchasing airline tickets using my spirit miles. The charge should have only included taxes/fees and should have been {$360.00} not {$300.00}. However, spirit still incorrectly charged me {$300.00} in redemption fees. The receipt attached doesnt even add up correctly. I contacted spirit and they agreed that the charge should not have occurred and told me to contact Bank of America to file a dispute. I filed a dispute and its been over 10 days and they are not following regulation e requirements. They did not provide me with provisional credit or send me any of the required notices. When I contacted them they said Im not responsible for paying that amount until dispute is resolved however no where does it indicate that online in my activity statement or any written notices. I never received any written notices. I do not believe they are appropriately adhering to the regulation requirements. The rep told me that reg e only applies to debit card transactions which is not correct. I spoke to XXXX in customer service on XX/XX/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 monetary relief
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX  XXXX XXXX / XXXX XXXX XXXX {$1000.00} Account number XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Account number XXXX I have attached a copy of my identify theft 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 non-monetary relief
Consumer complaint received 2017-07-14
Company: CL Holdings LLC
State: MA
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:
I have contacted the company and they did nothing about it. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI is reporting an {$80.00} bill I do not owe. The original company placed debt on my report for equipment in which XXXX did receive. XXXX acknowledged receiving the equipment and removed the debt. AFNI collection is inaccurately reporting a debt I do not owe. I never received verification or validation debt in writing when I requested it and disputed multiple times on my credit report. I researched on the FL Department of Finance website and AFNI is not listed as a licensed collection agency to do business in the state of FL as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Support Collectors, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received notifications from XXXX and XXXX that a collection account in the amount of {$2400.00} was reported by XXXX. After a quick XXXX search, I learned this company is a collection agency attempting to collect a debt. 

SUMMITACTRES ( " Summit A-R '' ) unscrupulously " parked '' this debt on my credit profile in an effort to collect a debt that I do not owe. What is " parking '' the debt? It is when a company, Summit A-R in this case, reports a debt to the credit bureaus to force a consumer to contact them with the hopes of collecting a debt they purchased from another company. These actions are malicious ( and quite possibly illegal ) and have severely harmed my credit.

As a consumer, I am protected by the Fair Debt Collection Practices Act. Summit A-R 's placement of this collection account on my credit report is the epitome of an abusive, deceptive, and unfair debt collection tactic. Furthermore, XXXX ' actions have unfairly tarnished my credit as they attempt to exploit my good credit standing. This is exactly what the Fair Debt Collection Practices Act intended to stop. 

Summit A-R has a debt from XXXX. XXXX was unable to provide me with validation for the debt. I went to them with a sick puppy and they gave me estimates. They never gave me a final bill and told me I would need to give them another {$400.00}. I disputed it with my Credit Card and XXXX XXXX credited it back to my account. They are trying to collect a debt without sending it to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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: Information belongs to someone else

Complaint:
I have filed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XXXX, XXXX & Equifax to have XXXX XXXX removed off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which is inaccurate, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: RIA FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello Last XX/XX/XXXX, I sent XXXX $ to my brother, to XXXX from XXXX XXXX, VA, USA. My brother wanted to get money yesterday but Bank said this transaction is already expired. he couldn't get money from XXXX XXXX. After than I went to the Walmart, when employee said i should connect your company and finally i will get money back. Please can you figure it out?

Company response to consumer: Closed with explanation