BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: Experian Information Solutions 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:
for the last six months i have been disputing inaccurate derogatory information on my credit report. XXXX XXXX XXXX, experian, XXXX, and XXXX have all re-aged these debts on my credit report and have reported either missing or inaccurate payment history which is a FCRA violation. the last round of disputes i mailed off were around XX/XX/XXXX, i asked for my results to be sent to me via usps mail but nothing ever arrived. due to these inaccurate unverifiable items on my credit report i have been deprived of acquiring new credit. this account has been re-aged due to an inaccurate date of first delinquency. 

EXPERIAN REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE XX/XX/XXXX XXXX REMOVAL DATE 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 2020-01-05
Company: Debt Recovery Solutions, LLC
State: MA
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:
Debt Recovery Solutions agreed to delete an account from my credit report and the account still shows on my credit report, this company agreed to this after a complaint that was filled by me as the consumer. I called their office to ask, why the account isnt being deleted and now theyre telling me that a manager needs to review it. This has been going on for more than 4 months and I know that this process should only take about 30 to 60 days to complete, I want Debt Recovery Solutions to provide me with a letter from their company where they say, that they agreed to delete the account and that they sent request for deletion to all the credit bureaus that the account is being reported to. I need this letter as soon as possible and thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Butler and Associates, PA
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX I received a letter from Butler and assciates for a debt that goes back to XX/XX/XXXX. I replied by sending a cease and desist letter shorty thereafter. Request that they not contact me via mail or phone. This is a 20 year old debt. They fiolated fdcpa by contacting me with a final threat letter dated XX/XX/XXXX. I also adices a refusal to pay because of age of debt and has far as I am concerned this matter was satisfied by doing jail time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credence Resource Management LLC are debt collectors demanding a debt on behalf of XXXX XXXX XXXX I have not received any goods or services from Credence Resource Management LLC, and I do not know how Credence Resource Management LLC received my private information. 
Upon checking my credit reports Credence Resource Management LLC flagged my credit on XX/XX/2022 with unverified collection activity. Credence Resource Management LLC did not honorably submit their demand for funds through the US Postal service to allow me to properly dispute their claim of {$100.00} owed to them. I did not authorize Credence Resource Management LLC to use my email address or social security number to damage my credit files. 
Credence Resource Management LLC do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct any business and I have not agreed to pay/tender anything to Credence Resource Management LLC . 
I am not a party to any agreements that Credence Resource Management LLC may or may not have with XXXX XXXX XXXX I am not responsible for Credence Resource Management LLCs purchase / transfer from XXXX XXXX XXXX I have not agreed to pay/tender anything to Credence Resource Management LLC . 
Credence Resource Management LLCs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither Credence Resource Management LLC or XXXX XXXX XXXX are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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:
XXXX  XXXX XXXXDispute XXXX  XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX BANKDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute MXXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute

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 2022-07-20
Company: Atlanticus Services Corporation
State: TN
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:
On XX/XX/XXXX I tried to make a purchase at XXXX XXXX XXXX XXXX XXXX  as I was visiting my XXXX on vacation and my card was declined which was strange since there should have been $ XXXX left available on the card. I paid for the merchandise with another card and left the store. Immediately upon getting to my car I called the company to find out what was going on. They informed me that my card was locked due to suspected fraudulent activity. I asked what they thought was fraudulent on my card that would warrant it being locked and they said they couldn't see the exact reason but if I were to send proof of address and a copy of my driver 's license to validate my identity then the information would be reviewed, and the account could be unlocked. I did state that I was out of town and didn't have access to a utility or any other mail that I received she then told me to send a copy of bank statement and my driver 's license. I have now sent everything to them but continue to get the run around. Yesterday I spoke with a rep who told me that they had everything they needed, and my card would be unlocked within the same business day. As of XXXX it was still locked so I called them back to ask why at which point I was told that my proof of address was not sufficient. This 14 days after this process had be started and I have had multiple conversations with the company re this issue and have been told that the proof of address was good but the driver 's license they had multiple issues with and I had to send it XXXX  times at which point I was told everything was good. Now they are saying they need proof of address. They are just jerking me around and I am unable to use my card but they are expecting to get payment on time and of course eveything that I have on autopay with this card now needs to be moved somewhere else before those purchases are denied as well. They never contacted me to tell me that there was a problem with my card they just locked it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The company involved is Bank of America. I have been a customer for over 20 years. 
I had a Company Credit Card, XXXX, with Bank of America. The company has stopped operating and credit card account had outstanding balance on the account. No one disputing legitimacy of this debt. 

I had a personal Joint Account ( XXXX XXXX XXXX ) checking account with Bank of America. The account was with my wife as a co-signatory. She did not have anything to do with the Company nor Credit Card account in question. 

Bank of America went in and took all of the money from my personal checking account minus {$100.00} to cover corporate debt. After the fact, I got a letter explaining that Bank of America exercised its right and removed money stipulating vague close in the agreement that allows them to do that without any court judgement. 

I have filed a formal complaint with Bank of America and after waiting over a month I received 1-statement-answer to read my agreement. 

Those unfair collection practices have to be stopped as innocent people get penalized because Bank of America has access to their account. And they do that without any warning or due process.

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 2022-01-25
Company: EQUIFAX, INC.
State: TN
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a complaint against XXXX. On several occasions I have contacted TransUnion requesting they remove outdated information from my credit report. The outdated information consists of late payments made on my student loans. As a XXXX XXXX XXXX XXXX veteran my student loan debt was forgiven in 2014. It is my understanding that the subject information should have been removed seven years from date of my loan forgiveness. However, TransUnion has not yet removed the information from my credit report even though I have requested that they do so.My lates attempt to have this outdated information removed from my credit report was approximately three weeks ago. As of today, the subject information is still being reported by TransUnion. No other credit reporting agency is reporting this outdated information.

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 2021-07-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I received a call from Penny Mac Loan Services in Arizona. With a lot of pressure from the salesman, XXXX XXXX, I agreed to apply with the condition that the application could be cancelled at any time. He told me the loan would be at 3.1 % interest rate. He told me that I needed to give them {$650.00} for an appraisal with a credit card over the phone. I did over the phone. He also had me apply by way of computer. When on the phone I did check the Nationwide Multistate Licensing System/Nationwide Mortgage Licensing System and Registry. He was listed. After a couple of hours and checking some reviews I became alarmed and decided to E Mail my cancellation and withdrawal of my application. They refuse to cancel my application and refund my {$650.00}. I contacted the appraiser they had hired and cancelled the appraisal. The appraiser assured me that they had not and would not charge any thing as I had cancelled their visit. XXXX XXXX, XXXX XXXX 's supervisor at Penny Mac said they would credit my card {$650.00} by end of business XX/XX/XXXX, he has not. I want {$650.00} credited to my credit card immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-02
Company: EQUIFAX, INC.
State: NV
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: Problem getting your free annual credit report

Complaint:
Since approximately XX/XX/2018, i have attempted to receive my free annual credit report from Equifax. Whenever I attempt to login, I get an error message stating that the information I entered does not match what Equifax has on file. After about a week of this occurring, I contacted Equifax 's consumer assistance line. The agent who I spoke with stated that they were having an update and that's why I'm unable to sign in to receive my report. Ok, fair enough. I ask to be sent a report. The absent states she can not do that as their computers are updating as well. Odd, but I accept it. Over the course of the next 2 months attempting to access my free report ( legal right ), I am denied each time with an update being the reason everytime. One day, XX/XX/XXXX ir so, as I'm speaking to an agent in the fraud department- how a fraud alert was requested by me I'll never know, as I still haven't received a report from Equifax . I digress. I explain my frustrations of a two month update. The agent confirmed my suspicion. There's no way that Equifax could run a two month long update and still operate. He has no idea why they were lying. He verifies my identity, removes the fraud alert, and proceeds to confirm my current and previous addresses with me, checking for spelling as well. I attempt to log in. To no avail. Despite my persistence, I am unable to access my report. This past week, I have discovered the reason. Equifax keeps changing my address despite the TWO address verifications I sent in. Equifax is denying me my right to my free report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: TN
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2019-11-22
Company: LEXISNEXIS
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Lost Control This incident never happened to my knowledge. I was was XXXX XXXX Military at the time and I dont recall having this accident. 
XXXX At Fault Accident- Rear Ended The police report shows I was not at fault and in this state Im fairly sure that those that are rear ended do not make them at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, Do NOT give Discover Bank my lawful authority to furnish my nonpublic personal information and Discover Bank shall be fined under the Gramm-Leach-Bliley Act for noncompliance and not comply with the rules according to the Act, which in fact in {$100000.00} ( Per Violation ). I am demanding Discover Bank to stop furnishing my nonpublic information I revoke any consent as of XX/XX/2022, and Discover Bank shall be criminally held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Accounts not removed after fraud /theft report submitted

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 2022-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I prepaid {$230.00} for a service call and battery installation from XXXX. Upon inspection of my vehicle 's battery, the service technician discovered my battery was not the issue. I then only received a jumpstart in order to get my vehicle back to my property. XXXX then adjusted my service and the receipt reflected the amount I expected to pay which was {$100.00}, however, the payment of {$230.00} remained on my credit card statement. I filed a dispute with XXXX, faxed all necessary paperwork to Capital One in a timely fashion. Capital One then credited my account of the amount difference I was disputing of {$120.00} ( {$230.00} prepaid amount, minus {$100.00} for actual service I received ). After their " investigation '' and correspondence with XXXX, they reversed the decision, and the amount I was disputing ( {$120.00} ) charge was added back to my credit statement. I have spent HOURS trying to explain this simple math equation with Capital One and they don't seem to understand. I have ALL necessary paperwork to rightfully pursue and be reimbursed the {$120.00} from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-02
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX Accounts not removed after fraud /theft report submitted

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 2021-07-23
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i was told my account was being closed on XX/XX/2021 and a check was being mail to my home for the amount that was in the account. i want the tracking number for the check because that it a large amount just to be sending out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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