BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXXXXXX XXXX XXXXXXXX

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 2022-09-27
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Harassing phone calls, unprofessional and degrading voicemails, when attempted to resolve issues with the company, I was cussed at and treated extremely poorly. The staff there are extremely rude and very un professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been given the run around  and I conti nue to dispute and report this debt as not being mine, but I 'm still having the same issue. After 5 years this debt has still not been removed, and I need this removed and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CAINE AND WEINER has stolen my identity and is defaming my character by furnishing fraudulent information to consumer reporting agencies. I do not now, nor have I ever had any contract with CAINE AND WEINER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: DE
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 this creditor has violated my rights under 15 USC 1681section 602 I have the right privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-01
Company: American Credit Acceptance, LLC
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : AMERICAN CREDIT ACCEPT XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Westlake Services, LLC
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : WILSHIRE CONSUMER CRED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive called credit acceptance numerous times to provide information that has already been provided previously. From the agents there, there has been difficulty communicating. Threatening to give my personal information to them or continue receiving mail from 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 2023-03-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid 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:
On XX/XX/23 I purchased 4 XXXX concert tickets my credit card by Navy Federal ending in XXXX. A few days later on XX/XX/23 I believe another charge for tickets for the XXXX concert shows up again on my card ending in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: CMRE Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, I am reaching out on behalf of myself as CMRE Financial Services had never reached out to me regarding a medical debt from XXXX of 2019 regarding XXXX and placed it on my credit report. I did not find out about this until applying for my XXXX XXXX XXXX I then called CMRE Financial Services to try to rectify the debt. The company also has my name completely incorrect. Once I had given them a call I was just now sent with a letter. Why was I not given a call or a letter prior to this ever being added to my credit report so it could have been rectified then, which now I know is against the law. I also asked them to send me an itemized bill, in which they sent me just the amount of the bill and how to pay. Another generic response from this company. 

Any help and assistance is appreciated. I look forward to speaking or emailing with someone from the CFPB soon. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: GA
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 submitted a ID theft report ref XXXX AND the information required as laid out in the FCRA. Then, Equifax decides to tell me that I need to reach out to the furnishers myself and completely ignore what their requirements are. Then, I submit another complaint and their response is to provide MORE information when I clearly REFERENCED the complaint that outlined the information they needed. Ref XXXX for their latest response. At this point, they are playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Data and Contact Management Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I received letter from DCM SERVICES LLC stating I owe them a debt. I responded with request to validate said debt and attached a form to be filled out it its entirety and sent back to me ( which they have failed to do ). Statements with my personal and private information is not a contract binding me to the third party debt collector ( DCM SERVICES LLC ). They have sent me false and deceptive forms and infringed on my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt.

*Proof of ownership with my approval to sell this debt to a third party company *Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney. 

Sincerely, 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 explanation
Consumer complaint received 2022-09-27
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A XX/XX/2022 letterhead from XXXX, XXXX of the President at Barclays attempts to address CFPB complaint XXXX by dodging all complaints and counts, which were legitimate and well grounded. Most important in the letter is statements about an account ownership letter being accepted as [ acceptable account owership proof ] which XXXX Bank drafted, I submitted on XX/XX/XXXX and resubmitted on the XXXX to XXXX from my email address. Today, XX/XX/2022 not even one email reply back has been received back. CFPB complaint XXXX response, indicated only a .jpg image was received for verification of the account. This is false and records printed reveal via email and in the complaint the verification letter is included in a .pdf format. Here, also, the compensatory damages request was declined. I am now seeking {$15000.00} in compensatory damages because of my claims and allegations which are fully supported and here, appear to be scurried and drifted off as baseless. This is simply not the case. It will be shown, a wide spread matter, and an alarming matter of banking neglect has caused harm.

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 2022-12-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Request received from XXXX XXXX XXXX Transaction ID XXXX Note Suspicious transaction of {$500.00} detected. 
If not done by you contact Fraud Investigation team at XXXX ( XXXX ) XXXX to cancel. Service hours ( XXXX ) Details Money request amount {$500.00} Total {$500.00}

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 2022-12-09
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've tried to remove hard inquiries on my Experian report with no luck.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, 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 2022-08-01
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:
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, 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 2022-11-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund for payments made during the pandemic in XX/XX/2022 from my servicer ( Fedloan ). The company accepted the request via phone and said that it should be completed within 60-120 days. A few weeks before the 120 day mark, I called again to confirm the request had been received and request a status update. The representative said the request was in the system and that XX/XX/XXXX would mark the end of the waiting period and if I didnt hear anything by then, to call back. 

On XX/XX/XXXX, still without any refund or update, I called again only for the automated system to tell me that my account had been transferred to XXXX. Now, the company has failed to provide the refund as per federal policy, has not provided me with any written confirmation or update on my request, transferred me to another company without notifying me, and has not provided information about how my request is being handled in the midst of the transfer - and Im at a loss of what to do, given that both companies are giving customers different answers about how were supposed to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: IL
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 have been disputing negative elements of my credit for a long time and I have not received a response from the credit bureau. For example, I have an account in " Repossessions '' status with XXXX XXXX and it is not correct, I am up to date with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 2022-03-29
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was awarded more financial aid than my credit score would qualify me for. I had to take out school loans just to cover the required books and class requirements. The interest alone has added XXXX to the balance. I feel like it was predatory lending. My income verification should have shown I could not afford the payments. I can not afford a house and I'm XXXX XXXX XXXX. The education I received did not educate me enough for the debt incurred. The classes I took I have used to gain employment. {XXXX} per hour. Not near worth XXXX for online certifications. I wish I could buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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