BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}

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 non-monetary relief
Consumer complaint received 2022-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
This bank is one of my few financial agency that failed to secure customers ' security. Both the bank and credit card service did not implement 2 step/factor authentication. My repeated calls, emails, secure messages requesting implementation of 2FA have been neglected and refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NY
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 am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Public record information inaccurate

Complaint:
on XX/XX/2022 I mailed a dispute to Equifax asking that they look into two bankruptcies being reported on my credit report. Equifax incorrectly confirmed that the bankruptcies belonged on my credit report. I was sent confirmation # XXXX on XX/XX/2022 Equifax says that they confirmed the Bankruptcies thru a company called XXXX. It is the responsibility of a credit reporting agency to verify information at it's source confirming Social Security number, Birthday and Name. No Federal court will provide this information under federal rule of Bankruptcy procedure 9037. 

That said I contacted XXXX and requested a consumer report from that company. XXXX sent me the requested consumer report which I received on XX/XX/2022. There aren't any bankruptcies showing on my XXXX XXXX consumer report. XXXX is not showing any bankruptcies. Equifax should not have been able to verify public records with XXXX. XXXX is not showing ay bankruptcies on my consumer report. It isn't possible to verify something when it isn't there.. Equifax has committed a grave error against me and my family and we have suffered irreparable harm due to the blatant intent of Equifax to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Amex has been advertising monthly {$30.00} XXXX credit between XXXX and XXXX for Platinum cards. To qualify for their monthly promotional offer, I used my Platinum card to purchase gas through XXXX at XXXX. However, when I talked to them regarding the fact that I didn't get my credit for XXXX and XXXX, they told me that my XXXX spend at XXXX doesn't qualify for the offer as my purchase are considered as " Person to Person payments ''. This doesn't make any sense as I am making a purchase at XXXX rather than sending money to a person. 
Their T & C is vague on the definition of " Person to Person payments '' and my spend at XXXX should not be considered as " Person to Person payments ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2017 I purchased an XXXX water treatment system at a cost of {$6600.00} from an XXXX salesperson. I paid {$3300.00} from my credit card and the remaining {$3300.00} was financed through Aqua Finance Inc. The loan was offered at 0 % interest rate if paid in full within 12 months of the initiation of the loan. On XX/XX/2017, I created an autopay schedule at a rate of {$270.00} per month so that the loan gets paid in full within12 months. The electronic system of the Aqua Finance Inc. did not accept or confirm this autopay for $ XXXXmonth. But I assumed this was accepted by the system as it was shown on the screen after submission. Unfortunately, I have lost the screenshot of that page.

Afterwards, Aqua Finance has been charging the minimum amount due, {$83.00}, each month which I did not have noticed due to my assumption that it was getting paid in full within 12 months. As a result, I have been charged 15.78 % on the initial amount of {$3300.00} for 2 years. The total interest that Aqua Finance is claiming is {$1000.00}. Had my autopay been accepted by their system, I would not have to pay any interest at all. 

I think their system is designed to reject payments that are scheduled to avoid interest charges. I hope the CFPB will involve an expert IT auditor to investigate their system so that customers like myself are not victimized in future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ Data International added an account onto my major three credit reports on XX/XX/2021 The account is originated from XXXX XXXX XXXX. 
I have received no correspondence from the company. 
I have consistently disputed this account as the account is not mine and I have never been associated with any such account I have filed several ID theft reports and submitted them to the credit reporting agencies in hopes of having this account deleted I have attempted to negotiate a settlement for the account with the agency to no avail just so that it does effect my or my husbands credibility in his line of work. 
The do not respond to emails or faxes. 

As a XXXX citizen and a military spouse, I just want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Funds were held on checking account on XXXX/XXXX/XXXX without my knowledge. M & T bank froze acct, could not use acct., debit or find representative that could help me I was instructed to phone legal dept, which I did, left a message on XXXX/XXXX/XXXX Direct deposits, and ATM deposits being made into acct, but ca n't access funds for anything ( food, gas, monthly bills ) There was NO NOTICES SENT to me either e-mail, online, phone or text. I called numerous times to contact. Again NO ONE called back or assisted me. Would like to know what is going on, and how long my money will be held hostage. I ca n't borrow from anyone. I live alone.

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 2022-03-11
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 XXXXt # 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 an 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 2021-04-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX This account belongs to my father who passed away in 2018 we have the similiar name XXXX XXXX XXXX his name is XXXX XXXX XXXX MY NAME IS XXXX XXXX XXXX- I WANT THIS REMOVED OFF MY EXPERIAN, XXXX REPORT .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use 3rd party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.

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 2021-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Constant miscommunication is taking place. All of this information has been reported internally to Bank of America for investigating, as well as reports filed against XXXX XXXX XXXX to the XXXX Police Department, FBI, XXXX Police Department, XXXX XXXX XXXX , & XXXX XXXX. 

One notarized Hold Harmless Letter was sent to Bank of America on XXXX directly from a XXXX  Banker as requested by Bank of America for {$3400.00} USD. Still to-date, Bank of America is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at XXXX needs to sign off on my HH Letter. XXXX has also told me over the phone that I would need to forward my Hold Harmless Letter to Bank of America a second time, in which I've done so to their HH Mitigation Team, yet Bank of America is telling me that it needs to come directly from XXXX & that I was misinformed by XXXX. 

What's the status - has Bank of America received my first HH letter sent directly from XXXX for processing? A second attempt Hold Harmless Letter was also sent to BOA via BOA Secure Messaging. 

Has my Hold Harmless Letter been received & accepted to process the Swift Wire Recall from XXXX from their scammer account holder, XXXX XXXX XXXX, an impersonator at XXXX XXXX, who has stolen my {$3400.00} in a fraudulent job scam?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: National Credit Systems,Inc.
State: CO
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:
This complaint is very simple and is a FCRA violation. National Credit Systems is reporting the incorrect date of first delinquency, a clear violation of FCRA. National Credit Systems, a collections agency, is attempting to collect for XXXX XXXX XXXX. The date of first delinquency with XX/XX/XXXX was XXXX. National Credit Systems is reporting date of first delinquency of XX/XX/XXXX with all three credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX).  This is a clear FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in XXXX, 2021. I recently sent you information regarding another debt I already paid ; however, it appears that this debt been deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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:
Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update or corrected immediately : XXXX XXXX XXXX XXXXXXXX Balance : {$50.00} XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX XXXX Balance : -

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 2021-04-17
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX sent me a credit card, which I never applied for, charging the XXXX 'XXXX  RENEWAL FEE, ( {$57.00} ), BANK INVOLVED XXXX-My XXXX XXXX XXXX Mastercard I made a telephone call to XXXX XXXX, I was told that this matter would be resolved in three business days, I was provided with a ticket number XXXX, my membership was not renewed, ID cancelled, I had a guagantee on 4 tires installed 10 months before one got damaged, and they refused service because I did not pay the renewal fee. On XXXX I tried to find out what was going on and they told me that no information was available because the account was closed and sold to MIDLAND CREDIT MANAGEMENT, latter I have received a letter from this company I contacted them on the phone and latter by mail, first call on XX/XX/XXXX, last mailing was recived by XXXX XXXX on XX/XX/XXXX, I spoke to XXXX XXXX to dispute this debt, I got a reply stating that they have reached the conclusion that their records were correct. I am a XXXX years old man this is given me emotional duress, this is a matter of principle, you must investigate XXXX 'XXXX practices to collect renewal fees, also the 2 banks involved : XXXX XXXX XXXX  and Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: OH
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 sent these companies a certified letter, which highlighted federal laws in credit reporting. These companies are to not use 3rd party Data brokers to do their investigations for them. they are to have the original contract, or my signature to prove any debt is mine. If any debt, or information is incorrect it has to be removed. These companies are not following federal law in their investigations.

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