BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: Flagstar Bank, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to request your help and notify that my rights are not being respected. I have an account with Flagstar Bank ac # XXXX, opened date XX/XX/2017. This company is reporting inaccurate information on my account. I have never been late on this account. I want to explain why are committing multiple violations to the FCRA. 

I must say that I tried to solve this big issue with them. On date XXXX, I sent a dispute notice to Flagstar. THEY DIDNT EVEN REMARKED THE ACCOUNT AS DISPUTED, as required by law. They even sent me a letter stating that theres nothing to investigate or correct and that they were not going to continue with the process. 

They are being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL. This is another violation to the FCRA. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. They are also committing BREACH OF CONTRACT and the list of violations can go on once I sat down with my attorneys. 

This company is not respecting my rights and I am not the only one that is being affected ; this is a joint account ; therefore, another person is being affected because if this UNFAIR BUSINESS PRACTICES of Flagstar Bank. We have a Pending mortgage for {$400000.00} because of this wrong information being reported. this is affecting me mentally and physically. I had to go to the hospital because I was not feeling good at all, and they say that I have a high level of stress. This situation is just overwhelming for me. 

I demand a deletion letter from the mentioned company as soon as possible so I can provide to my mortgage company and get approve with the interests I want. If Flagstar Bank refuses to provide a deletion letter through CFPB portal, I will not think twice to take this issue and be decided by a judge in a Court of Law. Thanks to whomever reads my complaint. 

Please see ATTACHED : 1. Letter sent to Flagstar bank ( and proof of fax ).

2. BANK STATEMENT as proof of funds at the time the payment with Flagstar Bank was due. Proving this was not a money factor or even worst that I did not want to pay.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: IL
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX 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

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 2023-02-04
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received notice to dispute.CREDIT COLLECTION SERVICE placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Collection must be error as reported in my XXXX  Credit Bureau. Please provide me with the Validation of Debt and stop reporting it without VOD. Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with AMER CR ACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMER CR ACPT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / 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 2020-12-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Description : We are having an issue with a credit card that was opened with a balance transfer promotion ( 0 % APR for 10 months XXXX. After paying the balance transfer fee of {$240.00}, the balance transferred would have 0 % APR until the promotion end date of XX/XX/XXXX. 

This issue started XX/XX/XXXX. There was an issue with the autopay feature associated with the credit card. For the month of XXXX, an incorrect autopay setting led to payment of the entire balance on the credit card, rather than the intended minimum payment. I of course cancelled that payment as I had only intended to make the minimum monthly payment at a time. 

Since then, interest has accrued on the account despite the supposed 0 % APR. Naturally, customer service was contacted to inquire about this issue. According to a conversation had with a Citi agent on XX/XX/XXXX, the balance transfer offer ended due to the issue with the stopped payment due to autopay. Furthermore, the Citi agent agreed that therefore the original balance transfer fee of {$240.00} would be refunded within 2-3 business days. Meanwhile interest has continued to accrue for the remaining balance on the credit card. 

When that refund was not posted, we contacted Citi again. This time on XX/XX/XXXX, a different agent said that the refund would take 1-2 billing cycles to process. 

We have yet to receive that refund for the initial balance transfer fee ( {$240.00} ) and have again contacted Citi. Based on a chat with a different agent on XX/XX/XXXX, now Citi is refusing to issue the refund. Their reasoning is that the balance transfer was never " cancelled '' and therefore does not indicate a refund.

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 2023-03-20
Company: EQUIFAX, INC.
State: GA
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:
This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
It's that some credit collection agency keeps putting some charges on my repot. They won't stop

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 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand Capital One Bank USA National Association ( Capital One ) to Cease and Desist communication with my consumer credit reports pursuant to 15 U.S. Code 1692c ( c ).

Failure to comply will result in fines. Best regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: CITIBANK, N.A.
State: NV
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:
On XX/XX/XXXX my card was fraudulently charged 3 times for a total of over {$3000.00}. When I received a text message fraud alert for one of the charges I immediatly notified my company and reported the other 2 charges. The company closed that account and opened a new card transferring my balance over and assured me it would be handled. The largest of the 3 charges cleared from my account in a few days but the other 2 have subsequently posted to my account as billable charges. I called them a further 4 times in an attempt to get those charges removed and all they did was repeat a script and lie to me telling me each time I would see a credit for them in 3-5 business days. Obviously this has not happened.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 companies listed below violated my federally protected consumer rights. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 a states I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM TARGET THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND 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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
DELETE UNATHORIZED INQUIRIES

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 2023-03-20
Company: Experian Information Solutions Inc.
State: CA
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 according to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 168c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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 explanation
Consumer complaint received 2021-03-10
Company: Valor Intelligent Processing, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An agent from Valor Intelligent Processing LLC called my husband at XXXX over the last week of XX/XX/XXXX and kept asking to speak with me, XXXX, about a 'personal matter ' that they would not disclose. My husband gave them my phone number eventually, because it seemed official, and they started calling me. On XX/XX/XXXX I took a call from a person from Valor Intelligent Processing LLC who read my entire social security number to me to verify my identity. He said I owed {$110.00} for a delinquent bill from XXXX XXXX from XX/XX/XXXX. I didn't trust what he was saying so I hung up the phone. They kept calling, and on XX/XX/XXXX I received a call from Valor Intelligent Processing, this time a female voice sounding very professional. I told her I thought it was a scam and she assured me that that was not the case, apologized for her colleague, and had me log-in to the Valor site to show that I had an account there. It ended up seeming legit. I paid {$95.00} over the phone and gave my address to receive confirmation of the bill paid. I then got paranoid after the call and called XXXX XXXX to confirm that they use Valor Intelligent Processing as a debt collection agency and they confirmed that they do not use them. I can see the {$95.00} to Valor Intelligent Processing on my bank account information, but this is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief