BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I do not owe this company ANYTHING. I have tried to fix this several times, I need some help. XXXX XXXX # XXXX through 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
Consumer complaint received 2017-04-06
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have disputed a medical bill because they will not provide the details of the bill or any information of the bill. I see that it was removed from my XXXX credit report but continues on my XXXX report. I would like it removed from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: J & K Financial Services, LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We received an offer to buy our house. The buyers submitted preapproval for the amount of the sale. XXXX closing dates were missed. XXXX XXXX of Dawson mortgage during this time kept giving excuses to our realtor as to why the closing was not going to happen. When we were informed the sale would not close on the third closing date, we talked to the buyers and found out they were unable to qualify for the loan. XXXX XXXX did not contact our realtor or us with the information the buyers were unable to get the money. 
Based on the letter from XXXX XXXX and a telephone conversation with him, we disposed of our home business and moved out of our house. 
XXXX XXXX 's incorrect and misleading information cost us approximately {$25000.00} in lost income and rental expeses. 
XXXX XXXX contact information Dawson Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX My husband believe XXXX XXXX is either dishonest or incompetent and has defrauded us.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a written verification/validation request after receiving a collection letter from Diversified Consultant in regards to a XXXX XXXX account. In my request I asked for documentation that shows a signed contract between XXXX and myself and also documentation showing any physical identification that was used to obtain the account. Diversified Consultant responded back and only included a billing statement showing the amount supposedly owed to XXXX XXXX. I have no knowledge of an account with XXXX XXXX and have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultant. Currently XXXX XXXX is reporting a delinquent account to my XXXX credit bureaus but can not and has not provide me with verification as required by law. This negative reporting needs to be deleted off all XXXX reporting agencies unless XXXX XXXX or its collection agency Diversified Consultant can provide me with physical proof in the form of a signed contract with my signature and identifying photo ID and social security card that was used to obtain this account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I had a debt from XX/XX/XXXX and due to lost of jobs and unemployment I was un able to pay debt. Now in XX/XX/XXXX I get served at my job for payment garnishment for Midland funding llc Creidt card. I did not get served with any court papers to appear in court. I just got a sheriff at my job. I check my credit report every year and this is the first time I have seen a judgement on my report in XX/XX/XXXX. It says it has been on going since XX/XX/XXXX. I look up the court docket papers. I do n't know my rights but something seems to be wrong. I never had this happen. I never had to go to court. I new nothing about it until this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Hatfield Portfolio Group LLC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Complaint issued on XX/XX/2016 ( Case number XXXX ) regarding XXXX and XXXX. On XX/XX/2016 two online payments for XX/XX/XXXX and XX/XX/XXXX were cleared from XXXX. XXXX XXXX XXXX XXXX CA XXXX. No phone contact available nor written statement of balance issued. XX/XX/2016 Received phone call from Hatfield Portfolio Group citing file # XXXX, No written correspondence indicating change from XXXX and XXXX. XXXX receives poor rating with XXXX. Please advise.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-19
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:
accordance with The Fair Credit Reporter Act XXXX  account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your 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 explanation
Consumer complaint received 2015-11-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Received Sears Credit Card checks with offer of no interest for 2 years for purchases or balance transfers. There was a mention of a fee for using this service but did not indicate amount. Upon receipt of bill there was a service fee of XXXX % on the balance and then they charged interest on the service fee. No where in the information did it say you would pay interest on the service fee so their offer of no interest on the balance is incorrect. Believe this to be false advertising and excessive charges not disclosed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have the inquires on the attachment that should be deleted from credit report. Did not authorize these inquiries. I have contacted these banks as well about this. Included emails stating not to go through all these banks for loans.

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 2017-04-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I initially sent a dispute as the info on my Experian Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureaus. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.

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 2017-01-24
Company: ACS Education Services
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I obtained XXXX separate private education loans from XXXX XXXX XX/XX/XXXX ( {$18000.00} ) ; XX/XX/XXXX ( {$20000.00} ) ; and XX/XX/XXXX ( {$11000.00} ). The Promissory Note for each loan indicates that the variable interest rate is calculated as the 3 Month LIBOR, plus a margin ranging from 1.70 % to 4.30 %, as " identified in my Disclosure Statement, '' adjusted quarterly. The Disclosure Statement is a separate document from the Promissory Notes, which do not state the amount of the margin applicable to my loans. 
My loans have been transferred to and are currently serviced by ACS Education Services. 

Despite multiple attempts, ACS is unwilling or unable to provide copies of the Disclosure Statements with respect to my loans and has indicated that they do not have copies of the original Disclosure Statements in their loan files. Written requests were made on XX/XX/XXXX, and again on XX/XX/XXXX. Multiple phone calls have also occurred in which ACS indicated it will request copies of the original Disclosure Statements from XXXX XXXX and forward them to me. Instead, ACS continuously resends copies of the Promissory Notes. 

Nonetheless, ACS is applying a 3.75 % margin rate to each of my loans without any documentation to support that this is the correct margin rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CITIBANK, N.A.
State: AP
Product: Credit card
Issue: Late fee

Complaint:
Received instant credit from Macy 's in-store and purchased items. Macey 's failed to deliver a bill, a card, or any method to check account or pay until AFTER the due date, but still assessed late fee. Immediately upon receiving bill I attempted to pay online, but their system remained down for a full day. Even though i paid the amount in full AND the inappropriately charged fee, they STILL assessed an additional interest fee. they agreed to close the acocunt. I am receiving this treatment as a direct result of my being XXXX address, and the company not getting initial card or bill to me in a reasonable amount of time before due date.

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 2016-12-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I never agreed to " Debt Protection Fees '' with Best Buy or Citi Bank when signing up for a credit card in 2007 to purchase a TV. Over the course of 9 years they have charged me with {$540.00} of fees associated with this fraudulent " debt protection fee '' or service. It 's basically the entire balance on my credit card billing statement. I have requested a full refund twice, and nothing has happened. 

Please help!

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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have collections on my credit report that does not belong to me, I disputed these items and they were removed from my credit report, Transunion has now put those same collection, derogatory reports back on my credit report, after having relentless conversations with them and them asssuring me that they would be removed once again, they are still on there and still remains

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 2022-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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  And all inquiries, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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  And all inquiries, 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 2015-04-06
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I do not recognize this account it is not mine and needs to be removed as my identity has been stolen and this is a result of identity theft I have included a copy of my police report and a copy of an identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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

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 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A debt with XXXX was settled with the original creditor ( XXXX ) prior to being sent to collections. XXXX has agreed to remove the account from my report however Transunion will not remove the account nor will they allow me to open a dispute with them.

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 2016-12-06
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Using a promotional code as offered on the Citibank website for a {$400.00} credit toward my checking account once the account was funded with {$15000.00}, I opened a checking account on XX/XX/XXXX and deposited {$15000.00}. According to communications from Citibank the {$400.00} promotional code was to be applied to my account no later than XX/XX/XXXX which is 90 days after the initial 30 days XXXX 120 days total ). I have contacted Citibank several times and all the customer service reps have explained that the promotional code should appear on my account soon. Citibank has not lived up to their end of the bargain and continue to tell me that the complaint has been escalated to the promotional department but we should just allow them time to complete my eligibility. They already have verified my eligibility and wrote me that I qualified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the account number is inaccurate, the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, the date last payment is inaccurate and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 2015-04-29
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car financed with Honda Financial. I was working with an account manager to get my account caught up. I called in to advise him that the car was involved in a wreck. A sub told me he was on vacation, and I needed to get a personal loan. She also told me that I needed to pay the next day because they were looking for the car, and they would come get it. I was not aware that they were planning to get the car, so I told her I was going to put the car into the shop to get fixed first. 
XXXX weeks later, a repo man from XXXX XXXX XXXX shows up at the gym that I have been doing personal training at, and he watched the entire bootcamp workout. When I walked around to the front, he came to the front and approached me. He obviously found me on XXXX because he knew what I looked like, what time the boot camp started, and he approached me. He told me he was with Honda Finance, and I better give him the 2013 XXXX XXXX. He showed me papers from XXXX with a bulk of my personal information that could even be a result of Identity theft if someone choice to steal it or lose the paper work. He also stated out loud in front of customers, and other people affiliated with the gym that I was XXXX months past due and owed over {$1900.00} to them ( XXXX ). I told him XXXX knew where the car was, and He could not be with XXXX because his truck said XXXX XXXX XXXX. I told him he was not allowed in the gym, and would need to leave. He told me it was a public location, and I advised him he was not welcome there and do not come back. People come there to workout with memberships and he violated so many of my rights and privacy. When the owner started walking to the front, he started to leave. He told me he would wait outside for me. The car was not even at the gym because it was at the shop. He knew I would be there at XXXX to do the workout. Because he knew what I looked like, he decided to stalk me and the others in the gym. He claimed he was with Honda financial. All the paper work he had included my personal private information, which half of it he stated out loud, came from Honda financial.

Company response to consumer: Closed with explanation