BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
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: Information belongs to someone else

Complaint:
I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions unknowingly authorized. There are variation of companies name, account numbers are incomplete, variations of balances. If there are 36 entries on my consumer credit file combine with all three of the major consumer reporting agencies which are Equifax XXXX and XXXX XXXX. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. Within the last 60 days some of these transactions have appeared on my credit file. On XX/XX/2022 my credit score has plummeted over XXXX points. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Bank # XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Accscient, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 
Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} NATIONWIDE RECOVERY SERV - {$1400.00}

Company response to consumer: Untimely response
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX and XX/XX/2022, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my XXXX account even though the other bureaus have already found fault in reporting and removed it. What does XXXX have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to XXXX, XXXX, and Experian and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my TransUnion account even though the other bureaus have already found fault in reporting and removed it. What does Transunion have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to XXXX, Transunion, and XXXX and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly 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 2022-06-22
Company: GreenSky, LLC
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: Account information incorrect

Complaint:
I was just looking over my credit reports and found some inaccuracies that I am demanding GreenSky and credit bureaus to correct. I sent a letter, certified mail, to all credit bureaus stating the issue and requested the information be corrected. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The account is stated to be active with GreenSky, but it was closed on XX/XX/2019 ( XXXX ) XXXX and XX/XX/2019 ( XXXX ), on corresponding credit bureaus. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately. 

Account Name : XXXX XXXXGreensky Account Number : XXXX Reason : The current balance is reported to be {$890.00} on my credit reports, but with GreenSky it is reported to be {$870.00}. 

Instruction : This account is closed, please investigate why it is not being reported as such or remove it from my credit report because it is reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recieved a call from the CCS offices regarding a payment from XXXX XXXX XXXX XXXX for an amount of XXXX XXXX I have already cleared out and paid all my outstanding charges which were different from this amount.

CCS offices sent me a few scammy emails and told me to make the payment immediately which seemed a little scammy.

Wanted to make sure I don't owe money and help in delegitimizing these charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Self Financial Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am writing to you to present unfair practices against the company/products " SELF '' that is offered in the market with the intention to improve the credit scores of their users but ending accumulating fees when clients try to pay off early their balances. Please read my letter at the bottom and their unfair response. 


MY ORIGINAL EMAIL Good evening, In an intent to do the right thing, I was trying to pay off early my balance pending with SELF. In that way, I scheduled a payment a few days back for {$48.00} and then a second payment of {$45.00}. I received yesterday a note that both payments didn't come through and I was charged two {$15.00} fees for each unsuccessful intent. 
Immediately, yesterday trying to correct the situation, I scheduled a third payment of {$93.00} ( {$48.00} + {$45.00} ) ; and today I received a new notice that this payment also was rejected and a new {$15.00} fee was charged!!!!! 
Even though the checking account was submitted as a payment option months ago and consistently approved, now almost to the end of my loan review, you let me know that the account rejected my scheduled payments (? ) I just changed the payment method and set up my debit card information and authorize it to charge me the final balance of {$93.00}, and is my hope that we do not have any problem this time. 
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX during all these previous months, I was recommending your Self products to my clients without requesting any benefit for me. 
Finally, I request to proceed to make a fair review of my case and proceed to cancel any unfair fee charged to my account ( total of {$45.00} ) because all the time my intention was to proceed in good faith, paying my debts before it's the due date, and using the approved account confirmed by you months ago. 
Sincerely, XXXX XXXX. 
ID XXXX RESPONSE FROM SELF Case XXXX - XXXX XXXX Account - Payments XXXX XXXX Hi, Thanks for reaching out, and we're sorry to hear you encountered this issue. It appears that the payments failed due to a failure to locate the bank account. This typically means that the account and/or routing number were entered incorrectly when the payment method was originally added. There have been no previous successful payments from that account, only from a debit card ending in XXXX. 
Unfortunately, it appears that the recent payment covered the fees, and we are unable to waive any paid fees. If this happens in the future, please reach out before the fees are paid to request we waive the fee ( s ) as a courtesy. We apologize for our limitations. 
Please reach out if you have any other questions. 
Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in Ally Bank Payback Time Promotion on XX/XX/XXXX. Opened a new CD account on XX/XX/XXXX then funded it will {$40000.00} new money on XX/XX/XXXX. Per Ally Bank promotion term, 1 % cash bonus will be deposited by XX/XX/XXXX. I contacted Ally Bank phone customer service representitive on XX/XX/XXXX and XX/XX/XXXX and received verbal confirmation of {$400.00} cash bonus each time. I also had an online chat with Ally Bank XXXX and received written confirmation stating that {$400.00} bonus will be paid on XX/XX/XXXX. However, seeing no deposit in my account on XX/XX/XXXX, I initiated another online chat but the Ally XXXX was in total denial of the bonus payment. All records are attached here.

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 2022-06-06
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am currently XXXX XXXX XXXXXXXX XXXX in the military and was enrolled in the Servicemembers Civil Relief Act ( SCRA ) with American Express on multiple occasions. I say multiple occasions because this is the second time that I have had to deal with this. I have remained on XXXX XXXX since I was first enrolled into the SCRA program with American Express - therefore, and per the SCRA guidance below, I should have remained enrolled in the program throughout my time on XXXX XXXX. 

" For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). '' I have reached out and spoke to four representatives ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of 2022 ) with American Express to discuss the situation in hopes of having this issue resolved prior to me having to deploy. However, I continue to get the same response ... '' the SCRA benefits only applies to the debt accrued prior to service. '' According to their representatives, I was removed from the program on XX/XX/2022, which does not make sense since I was definitely on XXXX XXXX during that time. I asked the representative why XX/XX/XXXX, and she could not give me a definitive answer. As stated above, that is clearly not the case. The six percent interest is to remain while I am on XXXX XXXX. 

American Express is the only credit card company that I am having this issue with. XXXX and XXXX XXXX have adhered to the guidelines listed above. I am beyond frustrated because I should not have to worry about making sure I am mentally and physically fit to defend my country, while stressing over American Express fraudulently charging me interest for more to 2 years on two separate American Express accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I returned the cable equipment to XXXX that I am now being charged for. I have contacted XXXX and gave them my receipt number and I have tried to dispute the charge through XXXX. I have now been turned over to the collection agency, Waypoint, even though I returned all the equipment and have a receipt. When I talked to XXXX they told me everything is good now because I have returned the equipment and have a receipt. The amount the collection agency is claiming I owe is {$570.00}. I have my receipt, that is dated XX/XX/22 with receipt number of XXXX for the return of video equipment with the serial and model numbers of : Serial number XXXX Model number XXXX Serial number XXXX model number XXXX  and Serial number XXXX model number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Services P has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. Section 604 A Section 2 Aslo 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 2023-02-11
Company: Firstsource Business Process Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX submitted two separates charges to my health insurance for payment. 

XXXX XXXX XXXX  XXXX XXXX declined to pay one of the two separate charges with allegations that XXXX was submitting a duplicate charge/bill. 
XXXX was not submitting a duplicate charge/bill. The confusion stems from the fact that I visited two different providers on the same day, XX/XX/XXXX. 

On Tuesday, XX/XX/XXXX, I called XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX and I was explained that XXXX sent duplicate charges and that they have declined one. 
I clarified to the customer service representative that XXXX was billing them correctly because I had received two services by two different providers on the same date at XXXX. Each one for {$350.00} Date : XX/XX/XXXX _-Office Visit- Provider : XXXX XXXX, XXXX XX/XX/XXXX - Office Visit- Provider : XXXX XXXX Place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer representative offered me her apologies over the phone and offered to fix the problem. Evidently, they have not because XXXX has never ceased to mail me bills. 

Both bills were originated at XXXX but for two separate services. 
I called XXXX XXXX XXXX  XXXX XXXX. 
I called XXXX. I have contacted XXXX financial department asking them to stop billing me for a charge that XXXX XXXX XXXX  XXXX XXXX owes them. I have written to them on my portal and I sent them a letter with the same request. 
I do not owe this debt. 

Please, stop XXXX from harrasing me with this debt collection. 

Many thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was advised through XXXX XXXX of fraudulent activity with USAA. I filed a report with XXXX XXXX and they advised me to file a claim with you. I then received a debit card that I did not apply for from USAA and a change of address from USAA that came to my current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation