BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NC
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 have a hard inquiry on my credit report from XXXX XXXX XXXX. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act 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.

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 2022-09-13
Company: Brown and Joseph, Ltd
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never had an account with XXXX and have never paid or agreed to pay them for freight. They have harassed me after I have continued to ask them to speak with whichever broker was used. Whatever Account this is does not belong to XXXX XXXX XXXX, or any of its subsidiaries. They should reach out to whoever they have a contract or account with and figure this out themselves because there is no contractual agreement or payment agreement that was given from XXXX XXXX XXXX to anyone at XXXX XXXX. XXXX should show original written and signed agreement if there ever was, which of course even if there was any, it would be fraudulent. Stop bullying small businesses and trying to harass individuals. This is unprofessional and unnecessary for a company that should be serving its clients but is instead trying to threaten them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act 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

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 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear CFPB, After more than 15 years with my Bank of America credit card and accumulated more than {$3000.00} dollars of reward points, Bank of America decided to close my account due to 2 months of inactivity. 
Due to the circumstances and current economic crisis, I decided not to use my credit card. I truly believe one is force to use their credit card if financially not stable. Bank of America uses tactics and promotions for you to use your CC and collect rewards points which at the end they have the control over them, not you like they advertise it. Bank of America are not very specific and clear about their reward points, they only care about using your credit card as much as you can.

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 2022-04-04
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: Investigation took more than 30 days

Complaint:
I discovered illegal unauthorized accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual anguish on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

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 2022-04-04
Company: Carvana Group, LLC
State: NC
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 have a hard inquiry on my credit report from CARVANA auto finance. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Receivable Solutions Specialist, Inc.
State: TN
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:
I recently checked my credit report and I have discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contractual agreement with this company and neither have they provided me services nor goods

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 2022-09-13
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: RentDebt Automated Collections, 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, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, RENT DEBT AUTOMATED COLLECTION , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MCM ( I have no idea what bank that stands for ). Keeps calling looking for someone that is not me. For months and months and months. They have repeatedly told me they are not going to call anymore but continue to do so. XXXX XXXX was the latest employee to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check ( # XXXX ) which was issued one year ago on XX/XX/XXXX to a vendor company, was processed and paid by the Wells Fargo Bank, when that check got deposited on XX/XX/XXXX. 

There was a STOP Payment on that Check but as per the Bank Policy the STOP Payment is Valid only for Six months.

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 2020-09-25
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying refinance my home to lower my interest rate with Rocket mortgage/Quicken Loans.. I sent them everything they asked for. Then they asked for more paperwork which I sent if I had it. If there was something they asked for that I did not have I contacted them and explained why to which they said OK. Then they would ask for more information, again and again. The home is valued at over {>= $1,000,000}. The loan would be for about {$150000.00}. First they tried to force me into a VA loan for 15 years when I wanted a 10 year fixed interest loan. I supplied documentation stating I have ample funds with my additional accounts. I am XXXX XXXX XXXX and do not understand why I am not qualified for a loan. The last thing they asked for was the payment record for the lase 12 months on a second house I own in Arizona. I explained that I could not supply that as the house is free and clear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: NCB Management Services Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt was told t o NCB Management , I settled with them, they are reporting on my credit report as a collection account event though they do not have a contract with me. I have asked them to remove it from my credit report, I agreed to pay the settled amount. I have no obligation to  NCB  there is no contract.  XXXX  wrote this off and sold the debt. but  NCB  was constantly calling me at home and at work and I did n't know my rights and agreed upon a settlement because I was trying to get my credit back on track after getting behind due to some medical bills and did n't want them to keep calling my place of employment. This debt settlement will be paid in full in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2021, Experian closed my complaint ( XXXX ) stating that the information I provided for my dispute was inaccurate and did not appear on my credit report. Experian has not only allowed companies to fraudulently open account without my knowledge and consent, and to make matters worse Experian did not and does not have my permission to make or furnish my credit report, but now Experian is falsifying information. The information I am disputing was on my credit report as of XX/XX/2021 and I will attach a picture to prove this. 

Since Experian has allowed this information to be viewable on my credit report, I am held back from seeking credit elsewhere as my scores will steadily decline. Most important, the credit line I was seeking to obtain was denied because it appears as if I have too much debt in personal loans. This account has limited my purchasing power.

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 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

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 2017-06-12
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. <P/>On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. <P/>I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. <P/>Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I logged into my XXXX  account recently and noticed a XXXX  had been opened in my name and was showing on my account separate from the in store rewards card. I never applied for the card. I never gave permission for a XXXX  to be opened in my name. I contacted XXXX via phone on XX/XX/22. The man said I had been selected as part of an " upgrade '' and the card was opened without me needing to do anything. I told him I wanted it closed completely and taken off my credit. He said he would close it. Then on XX/XX/22, I received an email from XXXX XXXX XXXX  that my card was being mailed to me. I called XXXX  once again. The automated system now gave me my total credit limit and cash advance limit. I spoke to a woman, explained the situation again and asked for the card to be closed completely. She pushed me to keep it open and said it didn't effect me to leave it at {$0.00}. I asked to speak to a supervisor. He told me he was unable to close the card because it was too new. So now I have a XXXX XXXX open in my name that I never consented to and can not close.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief