BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On multiple occasions, I have attempted to contact NCS in order to resolve disputed charges. Every time I try to ask questions regarding the portion of the debt that I am disputing, the Collection Representative XXXX XXXX refuses to answer any questions about what documentation they will accept. He will then say that the conversation is over and hang up on me, or say I can talk to a supervisor and then hang up on me instead. This has happened every single time I have called them regarding my account. It is impossible to make any progress if they refuse to give me any information on what they will accept as proof of my claims.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Comerica
State: OK
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fees

Complaint:
Oklahoma  Tax Commission giv es state refunds with  a   XXXX   XXXX  . H ad my {$64.00} withdrawn from the card ; had to place two calls  to   XXXX   XXXX   to cancel  the card because the disclosures that accompanied the card said there would be $  XXXX  /month " Inac tivity Fees '' if you did n't use the card. Got a " human '' on my second call to cancel ; the   XXXX   XXXX    representative then said I had a balance due for {$.00} for the two calls I placed to cancel ( this was within  5  minutes of the time I withdrew my money at  XXXX    XXXX    ). I asked her if I would be billed for the {$.00} and she said, " No, your card has been cancelled. '' Called the Oklahoma Tax Commission ; referred back to   XXXX   XXXX   ; tried calling Comerica Bank ( listed on back of card ) and was told, " The card is issued by the Treasury ). If I had n't cancelled the card, evidently I would have received bills for not using it ( and now, will   XXXX   XXXX   report this to a credit report agency? ). What a racket!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$19000.00}

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 2022-09-01
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 far credit reporting act " XXXX XXXX '', has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: PA
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-09-01
Company: Experian Information Solutions 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 far credit reporting act " XXXX XXXX '', has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and 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 2022-09-01
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 far credit reporting act " XXXX XXXX '', has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

! 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The reason I am filing a complaint against Equifax is because they have ignored my request to provide me with the documents they have on file to verify the account I disputed. Being that the 30 day period has expired without any verification of the account, It should be promptly deleted from my credit report as per the Fair Credit Reporting Act Section 611 ( 5 ) ( A ). 
Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: NY
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: FISERV INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two letters the same day from a company name TRS recovery services listed with their logo on the letter. This is the first time I have heard of this company and the first contact I have received. In the letter they are claiming I owe a debt from XXXX XXXX XXXX the principle amount stated in the letter is {$14.00}. Transaction date on the letter is XX/XX/2021 with a transaction number of XXXX. The company is claiming that the return reason is hold on funds in account. They are charging a {$25.00} returned item fee which makes the total amount {$39.00}. On one letter the reference number is XXXX on the second letter there is no reference number. I have contacted XXXX and they have informed me that I do not owe them anything, my bank has verified that no funds are on hold and none of my payments has been returned. It is to my knowledge that this company is making a false claim and committing a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Beginning in XXXX, I entered inro a lease with GM Financial for a XXXX XXXX XXXX. In XXXX Covid hit the US and I started having difficulty making my payments of approx. {$590.00} monthly. I got GM to work with me to try to resolve the problem, and an individual named XXXX XXXX began wo work with us ( my wife. GM continously threatened me with repossession or charge-off of the vehicle. We are both senior citizens with health issues. The car is all we have for medical, food, pharmacy etc. Our family ( XXXX sons ) is assisting us with the payments, but they too have responsibilities. They wanted {$1100.00} by XX/XX/XXXX or there will be a charge-off. They simply stopped trying to help once they felt no one was " watching '' them. XXXX XXXX states to my wife since she did not contact her during the month of XXXX, there would be a charge off. We didn't call and there would be a charge off? We are both ill and our income has dwindled since XXXX. By no means are we trying to avoid payment. Our previous record with GM Financial can attest to that ( from XXXX until XXXX ). All we want is time to respond with the required payments, and stop threatening me with reposession or charge off. I am sure they will come back with the record of payment or some such thing, but we were very good customers with GM and we are not asking for a hand out, but a hand up. Can you please help? This is an urgent matter ; we want to work this out, and we don't want our car repossessed. We are so close to the end of the contract, and we want this to work. HELP! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-06-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I called the bank, someone said they were XXXX XXXX and this was a auto loan inquiry. I said I had bought a car in over four years and was not looking for a car. I got rerouted to a number that was not available. XXXX/XXXX/2016 XXXX has requested a copy of your Credit Report Hide Details Business : Phone : Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/2016Reported By : Experian

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible 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 2022-09-01
Company: Atlanticus Services Corporation
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:
Accounts were paid off and still shows a balance. Also closed accounts that were paid are still showing delinquent

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 2017-09-09
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:
Equifax hack leaked my SSN, date of birth, and address. The company had an unacceptable level of security and over 100 million people got XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Having trouble with  XXXX   XXXX   XXXX   XXXX . I am in an IDR plan. After a 1.5 % raise at my job last year I was notified that my payments will go from $  XXXX  month t o $  XXXX  month. W hen I complained about this I was told that if I switch to a standard repayment plan I will no longer be eligible for the payments to count towards PSLF. When I do the repayment plan estimator on the website, the highest monthly income based payment I get is $  XXXX  /month, eve n with factoring in that I am married, filed taxes jointly, and putting in our combined income ( which by the way is gross, not net ). When I call, no one is able to tell me really how they calculate this amount.   Also I am being given a hard time about my employment certification forms that I submit. For example, I had a hard time tracking down someone at the corporate HR office from my employer from  XXXX , so I checked off the box that said if you are having a hard time getting someone to sign, " the department will assist you. '' No one responded to me about this other than to deny the form. I even sent in my  XXXX  's from those years, which were supposed to be reviewed ; again, no response. When I finally got someone to sign the forms, they denied the form b/c the person did n't write her phone number down, even though they said they do not call the person. No one contacted her by email, or called me, they just told me " we 're just told to deny the form and move onto processing the next request. '' Basically I feel like the PSLF program not obtainable, it seems like they are just trying to delay the process until I either give up or switch to a more affordable payment plan that does n't count toward PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX sent me a letter on behalf of XXXX XXXX XXXX original creditor is capitol one ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to XXXX me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on google. this is the XXXX letter I have received from them in XXXX years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.

Company response to consumer: Closed with explanation