BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: CA
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 applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there is an account and some inquiries reflecting badly on my credit history. I was confused to hear this so I looked through a copy of my credit report myself and I saw an account from a company called XXXX XXXX that is not mine as well as inquires from several different companies. I don't know who these inquiries/account belong to as I did not give anyone permission to open that account on my behalf. I did not benefit anything as a result of that account being open in my name such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards it. I have already filed a police report regarding this suspicious account and inquires.

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 2020-11-25
Company: ACIMA CREDIT, LLC
State: CA
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 do not have any responsibility for ACIMA is trying to collect. In XXXX, I was charged a payment by ACIMA without my permission, and I disputed this information immediately with XXXX XXXX, who returned the funds taken. I have not had funds taken since that date by ACIMA, however I have discovered a XXXX term lease from ACIMA CREDIT XXXX XXXX  with an original balance of {$1700.00} opened in XXXX of 2020 on my credit report. This reporting is inaccurate because I am unfamiliar with ACIMA CREDIT XXXX XXXX, and did not sign up for ANY lease, loan, rental or purchase agreement in the month of XXXX at all. I have no information at all received from ACIMA in regard to this debt or any attempt to collect this debt besides the attempt to take funds from my account without my permission, and ACIMAs reporting of the debt on my credit report. 

I attempted to call them to get information, they are unfamiliar with my contact information. I emailed their fraud department which sent an automated response to reach out via phone, so I am being sent in circles. 
I am also sending a letter to their business address directly, but I never opened any account with this company, and have never received any information as to any agreement I signed, nor any invoices or bills regarding payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-09-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
While I have filed a previous complaint this is in no way shape or form a repeat complaint ; in the resolution letter from XXXX XXXX XXXX ( XXXX ) I was " In an effort to assist you, your request for the loan to return to our office was elevated for review. Information will be sent to your attention under separate cover once a determination has been made. '' However, no such information was sent and I called numerous times but customer service was unable to assist me due to " not being able to see anything pass XXXX when the loan was transferred to XXXX  XXXX  XXXX ( XXXX ). '' Additionally the Consumer Advocated at AES were unable to find any information related to the return of the loan and asked that I continue to call back and check which I did. I was also advised by the Consumer Advocate to talk to XXXX XXXX XXXX ( XXXX ) and let them know what is going on but not to pay them because once I pay them it would be more difficult to get the loan returned. Unfortunately, now XXXX has filed suit against me requesting nearly triple the balance ( XXXX and rising ) all because AES failed to provide me with any determination and informed me not to pay during this period of time. I am a totally and permanently XXXX veteran who had to use forbearance while I financially got back on solid ground ; never once did I refuse to pay my loan but due to oversight with AES in regard to eligibility for certain programs, in addition to failing to process a {$500.00} payment when I was financially able to pay again, and lastly failing to contact me with a determination to return to loan, I am now subject to a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: U.S. Auto Credit Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear US Auto Credit, I am writing to follow up on my previous correspondence regarding the dispute on my account. As a reference, I have attached a copy of the dispute I submitted to the Consumer Financial Protection Bureau ( CFPB ) for your convenience. This document outlines my concerns and the actions I expect to be taken to address the issues at hand. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I would like to draw your attention to the specific sections that require your compliance in addressing my dispute : FCRA Section 611 : This section mandates that you investigate my dispute and provide a prompt response. It states that consumer reporting agencies, such as US Auto Credit, are required to review and address consumer disputes within 30 days of receiving them. 
FCRA Section 623 : This section requires you to provide accurate and complete information about the late payment charges on my account. It states that the information reported by you must be substantiated and not misleading.

FCRA Section 616 : This section specifies that if my dispute can not be verified, you must promptly notify me. It also states that you must promptly delete the disputed information from my account or modify it if necessary. 
These FCRA sections are crucial for protecting consumers ' rights and ensuring fair and accurate reporting. I expect that you will honor these provisions and address my concerns accordingly. 

In addition to the attached dispute, I would like to reiterate my request for a prompt response to my concerns. I am seeking a thorough explanation for the recurring late payment charges, the discrepancy in the total amount charged, and the extended date range covered by the statement I received. 

I anticipate a prompt response to this follow-up, addressing each of the issues raised in both my previous dispute and this current message. Your attention to this matter is greatly appreciated, and I hope we can resolve this dispute amicably and efficiently. 

Thank you for your immediate attention. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account from Sequium Asset Solutions with a balance of {$59.00}. The account was opened on XX/XX/2020. I don't know the reason for this charge. I have never had any credit issues in the past. I have had no communication with the company regarding this charge and the charge simply appeared on my latest credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Gemini Direct LLC, dba Credit Innovation Group
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/21 I signed up for credit innovation services after XXXX searching federal loans for first time homebuyers.they misled me to make me thing they were connected with the givermant for FHA loan I paid them hundreds of dollars then 15 a month since once they took the big down payments I was hearing from them every week and all soon as I finished paying and just paid the 15 a month dont hear from them no credit letters going out nothing They didnt even help me get the loan follow up TO get the loan nothing .I was to buy my house I live in now

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: Klarna AB
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to this company last year stating I never received a package from a company. I follow up with XXXX who confirmed that the tracking number the company provided was for a different address and it could been the right one. I also provided pictures of me emailing the company with no response. More pictures of other people putting the company on blast for sending out fake tracking numbers and not providing product. The company has never resolved this issue. And on my account its showing missing payments for a product I been emailing the company about I never received. This has been on going for two years and it hasnt been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX showed my account late, XX/XX/XXXX and XX/XX/XXXX. In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15 usc, section 602, states, I have the right to privacy.15 usc,04a section has my civil liberties violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CommonBond, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced my student loans with CommonBond in XX/XX/XXXX and there was an overpayment upon payoff. A refund was issued by the prior servicer ( XXXX, a XXXX  company ) on XX/XX/XXXX but XXXX ( CommonBonds servicer ) continually tells me it has not been received that refund and that I should contact the prior servicer. This has created a continuous loop where I ask the prior servicer if the payment was sent and they confirm it was sent then XXXX tells me it hasnt received the funds and to follow up with the prior servicer. Ive done this 3 times now. No one can provide any answers or steps that need to be taken to resolve where these outstanding funds are located and when they will be applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2018 was my official day of receiving Welfare in the State of New York I went to ATM TD Bank on XXXX XXXX, XXXX and the newly install ATM in this Bank or Store did not accept the EBT Debt Card from the State of New York Welfare and I was not able to withdraw money from the EBT Debt Card is this legal that EBT Card is not able to used in this bank or store and is the United States Department of Agriculture aware that many or the ATM in the United States are not acceptable or capable of reading the EBT Cards and is this legal please investigate and all misconduct and mismanagement found all individuals involve be converted according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have made attempts to get Portfolio Recovery to remove off my credit report the credit card from XXXX   XXXX. I have asked them to remove it due to it being listed as collection/past due/ charge off. they have not listed it on my credit as being in dispute. I have sent out letters to them certified. The account says it is paid and closed but it then is listed on my report as 120 day late. This is a violation of the FCRA. it also has an inaccurate account number. I have asked them to provide me with my signature and this has not happened. I am asking that they remove this from my credit report or I will have no other choice but to take them to small claims court for the Inaccurate, Incomplete and Unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: DISCOVER BANK
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:
Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows ; DISCOVER BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX XXXX  debit account XXXX Called Bank of America last week to have this all taken care of due to poor bank management. 
Bank of America agreed it was a mistake on their end and refunded overdraft fee of {$35.00} Today, notice account is overdrawn XXXX for same XXXX  payment of XXXX that was declined by Bank of America and another {$35.00} overdraft payment. 

Bank of America will not reverse overdraft even though they reversed the XXXX payment. 

Bank of America is causing pain and suffering due to their shady tactics a d shady employees

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 2018-02-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for 2 simply cash credit card from XXXX XXXX XXXX XX/XX/XXXX, based on their online offer ( pic attached ) to earn up to {$200.00} if spend {$5000.00} in the first 6 month and {$200.00} more if we spend {$10000.00}. 
One card i spent {$11000.00} till today The second card {$10000.00} till today I am now entitled for my cash back reward in both cards. when i called last week XX/XX/XXXX to follow up on my cash back they told me u r not entitled for any since u had old account and u are not new customer. 
this offer is never advertised for ONLY new customers. not a single line in the details says for ONLY new customers. 


the XXXX card numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Due to all the foul play by both XXXX, XXXX, and TransUnion involving my credit score I requested annual report from TransUnion on XX/XX/XXXX. An error message appeared when trying to obtain my report stating they are unable to complete my request due to open disputes. There is not a law written in federal regulations or Maryland State Law that state a consumer agency can withheld a consumer based on those facts. 

I noticed TransUnion started unfair practices since the real estate crash in 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 2021-05-25
Company: EQUIFAX, INC.
State: NC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Financial Freedom Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had received a call about refinancing with Financial Freedom Mortgage , LLC. These people were all quick to get all of my information and even the vice president of sales visited my house for me to sign some paperwork. After that, I had a heck of a time getting in contact with ANYBODY from this company. I was told that I had to call their appraiser to set up a time for the appraisal. That made no sense. The appraisal was done on XX/XX/XXXX and here it is XX/XX/XXXX and I still don't have it! Apparently the underwriters have it but they cant give out information! So I paid {$480.00} for something they will not give to me. I had to stop the loan process due to getting laid off from my job so now NOBODY answers emails or phone calls!! I either need my appraisal or my money back. I complained to FHA and they said there was nothing they could do but they gave me your email address to contact you. Thank you for any help you can give me on this matter. The company 's information as well as mine is listed below. 

Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Financial Freedom Mortgage , LLC New Jersey Corporate ADDRESS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NJ XXXX NJ NMLS # XXXX Tel : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
My report shows late payments when the accou t does not picture to follow XXXX no bill is showing due and it's showing one loan not four

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 2022-11-18
Company: Experian Information Solutions Inc.
State: OH
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. 

XXXX XXXXXXXX XXXX  : # XXXXXXXX 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 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