BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from National Credit Sytems , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX whom are owned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A settlement offer for XXXX for the balance of XXXX with XXXX account number XXXX. This debt that is attempting to be collected was already tried by the legal team for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After breaching the agreed contract in multiple ways, I filed a motion with the court. The civil case was then dropped officially on XX/XX/XXXX. 

The dispossessory and the civil case was dropped then from the original filing date of XX/XX/XXXX, if the bar can not be met in a state court to collect on the debt and such items were dismissed. Certainly attempting to now collect this debt now privately through a collections agency is at a minimum negligent and in poor practice, if not rising to the level of violating the debt collections laws, codes and rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: KY
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 wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
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: 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 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 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

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 2022-08-19
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was made aware of this debt that's on my credit report that is not mine. They gave me the wrong address where I was supposedly living at and then they gave me my parents address. Dynamic recovery solutions account number. XXXX two claims for two different amounts. Of {$600.00} and {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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: Account status incorrect

Complaint:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
So I made a donation to a teacher 's thing with my best buy card. I had a targeted {$25.00} best buy certificate with {$500.00} in spend so I decided to use my Best Buy card. 

When I logged in it said no interest with payments for 6 months. I know the best buy card is either good for no interest for x amount of time or points. Not both. I wanted the points. I have never signed up for a deferred interest item in my life. I called the number on the back of the card and got bounced around for about XXXX hours. Then got a rep that could talk to the back office but they couldn't fix it and that was another XXXX hours

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  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 1666B : A creditor 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 non-monetary relief
Consumer complaint received 2022-07-27
Company: Halsted Financial Services, LLC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Halsted Financial Services ACT # XXXX and ACT # XXXX on XX/XX/2022. I opened the letter and realized this was a debt collector from yet again another debt collection agency that I just complained and tried to dispute. XXXX XXXX has resold my account as if they are the original creditor and they are not. I never gave XXXX XXXX  or HALSTEAD FINANCIAL SERVICES my written instructions to furnish my account at all. 15 U.S.C. 1681 section 604 A Section 2 : states that a creditor can not furnish an account with the consumers written instructions. I am the consumer, and they are the creditor. That should be enough for this debt to be deleted. Also, they sent on XX/XX/XXXX that the debt was indeed valid and have chosen to keep it on my credit report but how is the debt indeed valid if they are not the current owners of the account. This account was resold to Halstead Financial Services, and I received that letter XX/XX/2022. This is another clear violation of both XXXX XXXX, HALSTEAD AND XXXX because I asked them to delete this account as well. First off, they violated 15 U.S.C. 1681 c. ( a ) ( 5 ). This section states : no consumer reporting agency ( XXXX ) 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. This alleged debt is not a record or conviction clearly but yet XXXX has chosen to leave it on my account. Even if the account is closed it should not be on my account because according to that law stated above under the FCRA nothing should be on a consumers report unless I have given written instructions which I have not, it was a judgement, which it was not, or it is the result of a conviction which it is not. It should be deleted. XXXX and HALSTEAD should not be able to furnish my account at all. I did not give them permission and XXXX did not dispute my account accurately when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
As of XX/XX/XXXX all the way to XX/XX/XXXX there has been credit card action in my name that I did not approve of and have no knowledge of is there any way that your company can help me get my credit back up and dispute all negative action that damage my credit. 
The available credit was {$200.00}, The highest balance {$420.00}, Date account opened XX/XX/XXXX, Date account closed XX/XX/XXXX, There was no action taken by capital one for some reason they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Information belongs to someone else

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Report must be in accordance with Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First I would like a cease and desist all contact with me to be sent to the following companies : AMERICAN HONDA FINANCE # XXXX, I have viewed my credit report and files and found several inaccurate accounts from unknown sources that I am requesting proof of claim and verification immediately!! Without the proper paperwork how can these items be on my credit files not having ever Been Verified and corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my account off back in XX/XX/2022 and then received another bill for XX/XX/2022 of {$12.00}. I put in a dispute since I thought I paid off the account. The dispute was resolved after the XXXX due date which I ended up paying the {$12.00} charge. Then I received another bill for XXXX showing I had a late fee and more interest charges. They charged me while waiting to hear about the dispute. I have since put in 3 other disputes and talked to several specialists and supervisors. No one has been able to help me. My disputes keep getting turned down and my account keeps snowballing in fees. It started as {$12.00} and is now currently at {$37.00}. I just want my account paid off at a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21
Company: BARCLAYS BANK DELAWARE
State: WI
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:
Barclays opened up a revolving line of credit, bank card, that is not my account. 
The local bank identified it as fraud, unauthorized user. 
A report came from the FTC describing a breach. 
Hired a credit repair firm, the account has not been removed from credit. 
The breach is not the same as receiving spam alerts and or humantraficking inquiries. 
Reported to the local police department and to the three credit agencies. 
I'd requested permission by an attorney, State Bar Association and I was told, " your not a criminal. '' There should be absolutely XXXX XXXX XXXX, recorded, against federal law. 
HIPAA violations should not be investigated outside of the United States. XXXX, Barclays Headquarters. 
Medical fraud has shut down health insurance accounts, so person ( XXXX ) could not steal up to XXXX XXXX, annual, health insurance coverage.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: CT
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 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor 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 2022-08-19
Company: EQUIFAX, INC.
State: CT
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 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage in XX/XX/2021 with 20 % equity in the loan and did not want to escrow my insurance and taxes as indicated in my loan documents and permitted under the law given the amount of equity I have. Lakeview Loan Servicing set up escrow, and I requested a few months ago to cancel the escrow after Lakeview increased the escrow payment by XXXX per month to establish an additional reserve amount in the account. Lakeview communicated that the loan requires escrow for five years. I requested that they provide proof that the loan documents contractually require me to escrow. After numerous phone calls to the escrow department, including three transfers to the escalation department, Lakeview has not been able to locate a contract document that requires me to escrow, yet continues to refuse to cancel the escrow. The escrow payments are causing me damages of over {$1000.00} per month.

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 2022-04-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX  XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-06-21
Company: Social Finance, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/22 at approximately XXXXXXXX XXXX EST I applied for a Sofi credit card under the promotion of spend {$1500.00} and earn {$200.00} in Sofi points value. At XXXX XXXX EST I was approved for the card. 

The {$1500.00} in spend was completed by XX/XX/22. 

As of XX/XX/22 the {$200.00} in points have not been credited despite meeting the terms and contacting Sofi multiple times via myriad channels. 

Contacted the company via phone call on XX/XX/XXXX. Via chat on XX/XX/XXXX. Via chat and phone on call on XX/XX/XXXX. Has been no resolution of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: ARC Management Group, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the XXXX XXXX at XXXX XXXX XXXX XXXX XX/XX/19 and was in no state of mind to tell the correct info about it being a work related incident. I filled out work related paperwork afterwards, but then workers compensation XXXX XXXX denied the claim as work related. I called XXXX XXXX XXXX XXXX XXXX  and they said they will look into it and they denied me twice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), agreed to pay XXXX out of XXXX in good faith and XXXX XXXX XXXX XXXX XXXX will not pay the XXXX remaining and I am now being put into collections and will affect my credit score. Need help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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 Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Delivery Financial Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( Delivery Financial Services , LLC ) has been falsely reporting a debt that I do not own. This alleged debt is not mine and has never been verified as mine. They have also been harassing me, family members, friends, co-workers, and my employer. They have disclosed personal information ( my social security number, finances and miscellaneous info. ) to 3rd parties without my authorization. They have violated multiple Fair Credit Act laws and also XXXX Other prohibited practices. This company is nothing but harassment and law breakers for profit. I will list all of the violations they have committed and are continuing to violate. 

XXXX Other prohibited practices Fair Credit Act Violations 804 Acquisition of location information 805 Communication in connection with debt collection 806 Harassment or abuse 807 False or misleading representations 808 Unfair practices 809 Validation of debts 812 Furnishing certain deceptive forms

Company response to consumer: Closed with explanation