BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-08
Company: Automated Collection Services, Inc.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX my employer received a phone call from ACSI inc needing to verify I worked there. I received a call from my corporate office stating that a collection agency had contacted them and that I needed to contact them and tell them I can not receive calls at work. I immediately contacted this company that same day and asked who they were and what this was pertaining to. The Woman who answered the phone did not respond with a company name only stated this call is being recorded and would not give any information as to the name of the company. She repeated what is your name and how may I help you I stated that you called my employer who is this she then stated the company name and said she was a collection agency. She wanted my name and ss number to verify who I was. I declined giving that information and demanded that she let me know what this was regarding. Finally after arguing and demanding that she look up my name only she stated that this was for a student debt. I stated I have never had a student loan and demanded to know why they contacted my employer before ever contacting me. She stated that they have every right to contact my employer or go about any means to contact me to recover the money is for this debt. I told her to see if and desist from all communication they were not to contact myself any family members my appointment ever again this was not my debt they have the wrong person. 

A few days later I received for the first time a letter in the mail from ACSI. 
Attached was an acct # and paperwork stating that I am outstanding student loan from XXXX. 

Again I have never taken any student loans out nor have I ever attended any college or university which would require me to have needed to take out student loan. 

Now XXXX  on behalf of ACSI is threatening to withhold wages. I have sent a demand letter requesting proof of any documents showing validity of any student loans taken out. No response as of yet. 

Each direction I turn to runs me into a dead end. Contacting university XXXX XXXX which is the school the funds apparently went to. University XXXX XXXX verified that no classes were ever taken and completed by looking up my name and social security number. 


They directed me to speak with the debt counseling dept regarding this and she opened up a dispute case # XXXX. 

My only assumption is this may be a case of identity theft. 

My main concern is is this collection agency will continue to try to go forward with this without providing any validity. I have been reading that this particular collection agency garnish his wages even when there is no proof of a valid debt. 

They are devious and underhanded and will not stop at any cost simply to collect on a debt they probably paid pennies on the dollar for. 

This is not my debt!!!! I want this nightmare to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Stanislaus Credit Control Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: CCS Financial Services, Inc.
State: PA
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:
I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

XXXXXXXX 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 XXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the Credit Bureau on XXXX XXXX 2018 in regards to inaccurate information on my credit report such as jobs, phone numbers, addresses and inquiries. Recently I've become educated on the importance of credit as well as the common errors reported to credit agencies. In the recent months as I've gathered my reports and was able to spot multiple inaccuracies in which I immediately began to contact all 3 credit bureau 's to dispute the inaccurate information, they have unfortunately failed in the removal of all of this information. I'm sure all parties involved are aware of the importance of credit and the information that credit granting agencies can see are essential to the credit granting process for any consumer. And if the information is incorrect it can have a negative impact on the consumer ( me ). Well this is exactly what has happened no matter my efforts to repair/ rebuild the inaccurate information has has a destitute impact on my progress. And although they responded to my request in impeccable timing they have failed in the actual removal and updating of this inaccurate information, which has lead me to get a third party involved.

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 2022-02-10
Company: Experian Information Solutions Inc.
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The XXXX XXXX XXXX Late Payment from XXXX XXXXXXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX and Transunion are reporting incorrectly a charge-off of {$27000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX  which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this auto loan however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. I have retained possession of the vehicle. The payments are current and up-to-date. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from 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 2020-03-08
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been behind on my payments for a while now. My family experienced a medical emergency that cost us a large sum of money. A XXXX, and XXXX  were needed, and we could only afford so much. As soon as I got some money together to start catching up I called Synchrony bank, whom I have a care credit account through to try an settle my debt. I called XX/XX/2020, two times and spoke with offshore representatives who refused to discuss settlement options with me. I called again today XX/XX/2020 to try and make a payment, and was told initially a settlement option of {$900.00} was available. The representative told me after some time on hold that it was not available now. I asked her if she had spoken to a specialist, and she said that she could not get through to them. She told me that a letter had been sent to me offering a settlement, but I hadn't responded in time, but the two previous agents said that a settlement was never an option. I never received a letter offering XXXX as an option. I felt as if I was getting the run around especially since I had just settled an account with Lowes ( also a synchrony account ). How could the same bank say I qualified, but also say I dont qualify, but also say I do qualify, but that they were now not offering the settlement. It is depressingly embarrassing to be in debt, and I am not trying to run from this debt. I'm trying to settle it. I'm doing the best I can, and I'm willing to work with them, but for some reason the care credit representatives can't give me a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
The bank keeps using incorrect account information in regard to given name and charging, I, as XXXX XXXX ( XXXX XXXX ) or XXXX when I was given an indivisible name XXXX XXXX ( XXXX XXXX ) from XXXX with a perfect credit score ( tax classification ) that is indivisible as well and the account doesn't reflect tax classification, I, being given a perfect indivisible credit score. Than from application an error to include a middle name which isn't apart of my identification card used to aquire account I believe is blocking services promised to I by US Federal reserve banking institution in a perfect and indivisible credit score for bank to write off stuff as tax write offs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account # XXXX. Account name : XXXX XXXX XXXX Account # XXXX. Account name # : XXXX XXXXXXXX XXXX, XXXX, Account # : XXXX. Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, Capital One purposely provided to XXXX and XXXX fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about 80 points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached Capital One bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act this creditor have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open end consumer plan for any purpose. So I would like them to be removed completely or I would have to take legal action for breaking the law and failing to abide the federal law compliance policies.

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 2023-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a mobile deposit of my payroll check in the amount of XXXX into my capital one checking account. Before the deposit was made it said funds available the next day. After the deposit was made is said funds available XX/XX/XXXX. Then I got an email about the hold until XX/XX/XXXX, then a second email saying it would be released XX/XX/XXXX. I called on XX/XX/XXXX about the hold and a manager said funds would be available on XX/XX/XXXX. My online acct also says XX/XX/XXXX. On XX/XX/XXXX I called because the funds are not available and am being told XX/XX/XXXX regardless of what the email or my online acct states funds will not be release until XX/XX/XXXX. The bank has given no explanation other than saying XX/XX/XXXX means at XXXX on the XXXX which is actually XX/XX/XXXX after XXXX  on the XXXX. Then I was told it was because Im in central time zone and they are eastern time zone and technically it will be XXXX my time XX/XX/XXXX when funds are released. That seems a bit insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Got behind on a couple payments due to a brief hardship. Spoke to lender and they recommend me to complete loan modification forms and would not take further payments after submitting all the documentation the lender would allow documents to expire dragging the process out resulting in me being 12-13months behind on payments owing the lender {$20.00}, XXXX in the rears after keeping the {$4000.00} I sent in to catch up with payments. 

The lender CitiMortgage did not offer me all the protections nor did they provide me all the assistance required by law to help me avoid foreclosure. I have maintain a steady income over the past 12 months and could have easily avoided foreclosure. Currently CitiMortgage have transferred my mortgage to another servicing company XXXX XXXX Account # XXXX which have made everything in more complicated

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 2023-10-15
Company: Experian Information Solutions Inc.
State: TN
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:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it emphasizes the need for consumer reporting agencies like XXXX, XXXX and Experian to handle their responsibilities fairly, impartially, and with respect for consumers ' privacy rights. As a consumer, I assert my right to ensure the protection of my private information, as outlined in 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish a consumer report based on the written instructions of the concerned consumer. I want to explicitly state that neither XXXX nor Experian, nor the entity furnishing information to credit agencies, have my consent, whether verbal, non-verbal, written, implied, or otherwise, to share my information. 

Referring to 15 USC 6802 ( b ) ( c ), I have not been informed by the furnisher of information about my right to exercise a nondisclosure option, which is a violation of my privacy rights. Additionally, the reporting of adverse information without my permission contradicts 15 USC 1681C ( a ) ( 5 ), as adverse items should not be reported without authorization. 

Pointing to 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it explicitly states that information should not be furnished to a consumer reporting agency if there is knowledge or reasonable cause to believe it is inaccurate. XXXX, XXXX and Experian are failing to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e.

Furthermore, as per 12 CFR 1016.7, I am exercising my right to opt out of the reporting services at any time. This is in line with the broader legislative framework aimed at safeguarding consumer rights and privacy in financial transactions.

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