BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed Fox Collection Center accounts XXXX FOR {$400.00}, XXXX FOR {$730.00} AND XXXX on my XXXX credit report, XXXX credit report and XXXX credit report multiple times. The company fails to verify that the debt is mine. 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and intend to pursue litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Accounts XXXX FOR {$400.00}, XXXX FOR {$730.00} AND XXXX for {$66.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: TD BANK US HOLDING COMPANY
State: MA
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:
Target credit card was set up with automatic payments. All checking account info was loaded in database. XXXX payment was not processed and Target did not reach out until 31 days late. It was a {$30.00} dollar payment. Entire balance was paid immediately, I explained the auto pay was set up. I asked if it could be confirmed and was told the information was in fact loaded onto the database but I still could not enroll in auto pay. Target then reduced my available credit while not reporting my payment further torpedoing my credit score. Ive reached out to target 5 times and sent two general inquiry emails. The response is the reporting is accurate, but they dont take any blame for their own system failures. I was set to buy a house that I now do not qualify for because of a {$30.00} dollar payment. Realistically this would never happen. I have just closed my target account and I would like this 30 day late mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: CT
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2023 I sent a dispute letter because there was an account reinserted to my profile with no notice. This account was previously reporting as XXXX XXXX XXXX. After disputing it, it was deleted from my credit report and reinserted as XXXX XXXX XXXX account XXXX. According to 15 U.S. Code 1681i, " If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' In addition to that, this account is reporting the incorrect open date which is a violation of the FCRA. This is inaccurately and misleading information reporting and must be deleted from my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: CITIBANK, N.A.
State: IL
Product: Credit 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:
Citi sent a letter to my email address on XX/XX/XXXX requesting for information regarding a dispute opened previously with XXXX XXXX. 

The letter says there was a conditional credit issued for the disputed amount along with any related fees and interest charges while your inquiry is under review. 

However, there was no conditional credit issued in the month of XX/XX/XXXX per XX/XX/XXXX statement or after the initial conditional credit was reversed in XX/XX/XXXX. 

Citi Bank continues to make false claims and dishonest statements. Their dishonesty and unfaithful behavior has forced me to close my XXXX XXXX credit card account. I hope CFPB investigates further. Such a dishonest bank doesn't deserve my business and loyalty.

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 2022-09-23
Company: ALLY FINANCIAL INC.
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX from Ally beginning in XXXX. The lease was to end in XXXX - during XXXX. 
I returned the leased vehicle to XXXX XXXX in XXXX XXXX, Missouri. The XXXX was turned in to the dealership and out of my possession for 11 months before being picked up by Ally. During this time there were several items damaged on the vehicle along with items stolen and lost from the vehicle. I was initially charged for those damages and missing items and eventually lost money on the buyout of the vehicle due to the negligence and fraud committed by the 2 companies. I have repeatedly tried to work this out with the dealership to no avail. I am hoping that getting someone else involved will push them to respond and make things right. The XXXX and Finance manager of the Dealership have been unwilling to remedy this.

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 2022-07-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a validation of Debt letter to Resurgent Capital services on XX/XX/22 which they received on XX/XX/22. In my letter i asked for verifiable documented proof that i owe this alleged debt to Resurgent Capital Services along with a signed contract between me and the original creditor and a signed contract between me and Resurgent Capital that grants them authorization to collect this alleged debt, which they did not produce. Therefore, this alleged debt has now been validated and is reporting on my consumer report inaccurately and illegally. They are also in violation of the following laws which i will be seeking {$1000.00} per violation : 12 CFR sec 1006.34 ( c ) ( 5 ) ( i ) 12 CFR sec 1006.34 ( c ) ( 2 ) ( viii ) - No itemized breakdown of the current amount of the debt provided.

12 CFR sec 1006.34 ( c ) ( 3 ) ( i ) - ( iv ) - INFORMATION ABOUT CONSUMER PROTECTIONS 12 CFR sec 1006.34 ( c ) ( 4 ) ( i ) - ( ii ) CONSUMER RESPONSE INFORMATION 12 CFR SEC 1006.34 ( d ) ( 1 ) FORM OF VALIDATION DISCLOSURE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
This is a violation under 15 US Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies as they did not provide me with a written notice about the account before reporting it. As a result, I demand to remove the account from my credit report as I disagree with the debt they claim I owe. Additionally, they have violated my rights under 15 U.S. Code 1681b ( 2 ) Permissible purposes of consumer reports by reporting the account without my consent and misusing my social security information. Therefore, as a victim of identity theft, 15 US Code 1681c-2 mandates blocking such data without my written permission. According to 15 US Code 1681a ( 4 ), consumer reporting agencies must respect my right to privacy but clearly, my right to privacy as a consumer has been violated by you publicly reporting this information when I never gave your organization permission to report my information. 

Delete this account from my credit report Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-07-04
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2022-06-08
Company: MoneyLion Inc.
State: LA
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've contacted the company moneylion about an account that was opened in my name. I explained to them that i never opened this account and that it was opening fraudulent. After a few days I received an email from moneylion that I am correct that this account was opened fraudulent. They also sent me an email stating the same.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX Account # XXXX  XXXX, has violated my rights by reporting the following inaccuracies that are Un-Verified without my consent. 
XXXX XXXX  30 days past due XXXX XXXX 30 days past due XXXX XXXX 60 days past due XXXX XXXX 30 past due XX/XX/XXXX - 30 days past due XX/XX/XXXX - 30 days past due I demand that this account be updated to paid as agreed and never late. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A 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 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
want to close credit card a spirirt credit card ending in XXXX, I have been unable to cancel called and went into branch, they owe me XXXX dollars and refuse on close card on top of that they also owe me the annual fee charged XX/XX/30, I canceled XX/XX/30 but they did not honor it, they also said they would reimburse two late fees they have not

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 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 usc 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: LA
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:
according the Fair Credit reporting Act and XXXX  accounts : 1. XXXX XXXX Account # XXXX 2.XXXX XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).

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 2022-07-04
Company: EQUIFAX, INC.
State: TX
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 checked my personal credit report, which I acquired from Equifax and I've filed disputes on my hard inquiries that I did not authorize on Equifax but they did not remove them even though they don't have validation that I authorized the hard inquiries. I request that Equifax remove the hard inquiries I disputed recently. If they do not remove, we will take other options to remove the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: NRA Group, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company sent a text to a family member releasing my address, the collection account number, the amount owed, the medical name of the original collector. The date when I was at the doctor. It was sent XX/XX/2022. I have all screenshots of the text. They call me 30 times a day so they have my phone number.

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 2022-12-04
Company: Experian Information Solutions Inc.
State: PA
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:
there is a fruadulent account listed from XXXX XXXX XXXX XXXX that I did not authorize or obtain this account. this account is listed on my credit report and its fraud. this account needs to removed and deleted from my credit file.

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