BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # # # # # # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-03
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 noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied with my name. According to the FCRA, these unverified and UNAUTHORIZED inquiries most be remove. 

CREDIT BUREAU NAME : EQUIFAX XXXX XXXX, XXXX XXXX  ( DUPLICATE ACCOUNT ) XXXX. 

XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I observed on my XXXX XXXX XXXX report that there were account in my name opened at Bank of America. I am asking Bank of America to remove this account from my XXXX reports and purge my information from their system as this account do not belong to me. I also called their customer service number and advised them about this as well.

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 2022-06-28
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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: Problem with personal statement of dispute

Complaint:
Please see letter is submitted to honda in attached. 

Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is refusing to release my credit information to creditors I was told they have a back house freeze on my credit report I never authorize them to do that after sending them my a copy drivers license and Social Security card they still are not reporting my credit this has been going every since XX/XX/2022 the other two Credit Bureaus XXXX and XXXX have no problem with my file or reporting information. Equifax his actions are causing me financial harm and hardship please address this matter for me as soon as possible .Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Debt Recovery Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Debt Recovery Solutions XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, NY XXXX Acct # XXXX  XXXX To whom it may concern : On XX/XX/XXXX, I wrote to you requesting Validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. The only reply from Debt Recovery Solutions was via CFPB portal on XX/XX/XXXX. In my previous request directly to you, I listed my reason for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to XXXX Federal Trade commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices act Annual report and stated the following.

The Bureau notes that one or more debt collectors continued collection activities despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights.

Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation request to the relevant clients who mailed responses directly to the consumers.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until it ( meaning the collection agency ) Obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors continued collection activities on accounts in violation of section 809 ( b ) of the FDCP.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, cease your collection efforts and reporting of this account on my credit reports Immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: AES/PHEAA
State: WA
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:
Dear Madam or Sir, I am a XXXX veteran, XXXX XXXX in XXXX. 
I am a XXXX XXXX who volunteered in two counties near my home during the COVID crisis. 
I am also a holder of significant graduate loans that were held by FedLoans until recently. 

I wrote to The Office of the Ombudsman for Student Loans after reading an article outlining how many borrowers had wrongly been steered toward forbearance instead of XXXX dollar options on their programs. I was one of those borrowers. 
I had periods of unemployment and was regularly directed toward forbearance by FedLoan representative, which resulted in XXXX of dollars that I had to pay to interest/compound interest and that was not applied to my loan, thereby creating more interest on the principal held. 
I sent the letter, return receipt, in XX/XX/XXXX. The letter was received XX/XX/XXXX. I did not hear back as of last week and started making calls. I was transferred multiple times to people who could not help. A helpful agent named XXXX XXXX, in Kentucky, took my number and assigned me a case number # XXXX. 
Today, I got an email from XXXX, my new student loan holder. They've held my loans for less than 5 months and none of my payment history is on their site. 
I've looked back at FedLoans and none of my history is on their site. 
I am concerned that, like millions of other borrowers who signed on to programs that were mismanaged, I will not see the result of my diligence and the XXXX figures I've paid on my loans. 
I would appreciate your assistance in this matter. 

Very Respectfully, XXXX. XXXX Veteran, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had credit card fraud. You fit called abt my payment. I told the girl i wanted to cancel bc 1. They are taking more money then contracted for without my auth 2. They changed gym. I had abt 4 more ppl call. I told them all same. 5. They all said ok. They all had obligation to advise me if it needed to be in writing. Despite that they all said ok. They turned over to collections. Not only did i advise that gym breached contract by charging me almost {$13.00} when my contract was for 10, they can not use a contract they voided by not complying but they also had an obligation to advise me they needed in writing rather than agree to the cancellation by saying ok. Further they owed me almost XXXX $ a month for i believe XXXX or 4 years. The belligerent collector than sends me a copy of an unsigned/undated contract, which has no mention of the what the monthly monetary amts are, and very different from the signed contract i found in my files. They are all committing fraud in an attempt to collect on monies that are not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried to dispute with Transunion and XXXX  for the information reported for XXXX. XXXX customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. Transunion is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and Transunion  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to Transunion  and XXXX  as well as XXXX. There is no reason for XXXX  to show no late payment and only XXXX  to show. Transunion  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.

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 2022-11-30
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company sent me a paper bill on XX/XX/XXXX. This was AFTER the bill was paid. I logged onto the company website ( Penn Credit ), and the message said I had to contact the office to pay the bill. Upon calling the company, I was directed to an automated line that tried to sell me automotive breakdown services without my consent. I explicitly selected the option to decline this offer and was connected to an automated line that ushered me through the process of signing up. When I repeatedly said " No, No, No, No '', I was disconnected. When I called back to try to pay the bill, the woman told me the bill was already paid. I then inquired why the company sent me a bill AFTER the bill was already paid, and she said, " it was already in the mail ''. How is this possible if the bill was already paid? As an senior in my XXXX 's, I do not appreciate people trying to scam me to pay bills more than once. I want to file a complaint so that they STOP! 

Bill paid : XX/XX/XXXX Confirmation Number : XXXXXXXX XXXX sent again : XX/XX/XXXX Spoke with XXXX XXXX XX/XX/XXXX @ 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 2022-06-28
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian does not allow me to upload supporting documentation for an active dispute I filed a dispute with Experian on XX/XX/2022, requesting they adjust the status of the bankruptcy from " filed '' to " discharged ''. The dispute was initiated and I was advised to upload supporting documents via www.experian.com/XXXXXXXX XXXX XXXX XXXX ). The instructions are as follows : " Please select at least one document to upload. You may upload up to five documents totaling XXXX megabytes. Accepted document formats are TIFF ( in black and white ) and PDF. '' Using XXXX XXXX as the internet browser, I attempted uploading a black & white PDF document, which was XXXX in size ( much less than the maximum XXXX allowed ). This upload attempt failed. I then tried uploading in a different browser, XXXX XXXX, which resulted in the same error message. I then tried uploading a TIFF type document in black and white, and the same error message occurred. Each time, the error message stated that the file type was either incorrect or too large. 
I called Experian to inquire as to why this was happening, as I was following the instructions closely. Experian representative said there is nothing that can be done and to just mail the supporting documents to their address in Texas. 
This is a terrible system with terrible customer service that disables the customer 's ability to efficiently submit documentation that -- is already superfluous in the first place -- other credit bureaus report accurately on. Experian needs to be held accountable for their intentionally laborious, convoluted, and stalling processes and tactics.

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: ND
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello I have a couple of promotional plans on my IDDEAL Credit Card I opened with Comenity Bank ie Bread Financial now. 
My first plan was a 12 month no interest - but if you don't pay it off all that interest is charged back to you. Well I am a week away from the 12 months being up and Comenity/Bread Financials will not allow customers access to their accounts. They have been down for multiple days and will only respond with super generic responses via XXXX and XXXX. No representatives will answer the phone and it says that you will not be able to access or make any changes to account including payments. 
So I have my 12 month promotional plan with XXXX I can't pay off and am in close proximity to the 12 months being up and I have a 60 month no interest promo that I need to set up autopay for. 
Very frustrating that we can't make any payments or see our accounts because of website maintenance that has taken multiple days with no access to their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: VA
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 XXXX of XXXX I submitted my initial complaint against XXXX XXXX. It is as follows : On XX/XX/XXXX of XXXX I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to XXXX XXXX that same day. On XX/XX/XXXX of XXXX I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of XXXX I sent a following up request into this matter directly to XXXX XXXX. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all XXXX of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my XXXX and Experian reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.

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 2022-11-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
As technology improves, so should the written policies of a bank. The worst feeling is making the person who owns the account feel like a criminal. XXXX would NEVER treat me the way CITI treated me. I tried making a large dollar transaction requiring an activation code. The phone number associated with my account was an old phone number I no longer use. I called to have my phone number updated to make the purchase. I was asked questions that were not indicative of my identity. I answered my name, social security number and security word. They wanted me to remember a change I did XXXX months ago. I no longer have a Citibank account. They asked me if I had Citi cards and the only cards I was able to confirm were XXXX XXXX and XXXX. This was not good enough for them. This was not sufficient as they wanted me to wait XXXX to XXXX days for a letter with an activation code. I am unable to use my card. I have been a good standing customer since XXXX. I am upset they flagged my card when I continued to give them information to confirm I was the account holder. I even logged into my XXXX account to confirm my banking statement. They were not willing to work with me to assist. I hopped from XXXX representative to the next. They were not willing to take my complaint. After XXXX hours I finally got an address to submit my complaint to. Because the representatives were out of the country, it was hard to understand them as the volume was extremely low on their end. They never tried to verify my address. I gave them so much information as old phone numbers and previous addresses as I moved in XXXX ; hence why my info was not updated then COVID happened. Very difficult to deal with even as a long time customer.

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 2022-11-30
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have not given any company consent to use, report or inquire on my behalf. I have called XXXX several times to remove inaccurate inquiries and have not received remedy. 

I was given a number to call XXXX XXXX XXXX XXXX XXXX services also known as CB Indigo for inquires on XX/XX/XXXX and XX/XX/XXXX the company said they have no knowledge of an inquiry made through my name or social security number, therefore they have no way of sending XXXX any information to verify the information. I called Back a XXXX time and informed XXXX of this information and the agent I talked to was very combative. They seem to have no knowledge of how I can complete my task. 

Inquiry for XXXX XXXX XX/XX/XXXX I did not give consent for inquiry I was told there was no phone number for contact to verify any information.

Company response to consumer: Closed with explanation