BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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 attempted to access my account multiple time this week. However, I was not able to do so, as the system displayed an error message. 

In addition, I placed numerous phone calls this week to obtain the following objectives : 1. ) Letter Receipt Verification of Check Received- Verify whether the company received my letter and enclosed check for the balance on my account ( e.g., {$760.00} ).

a. Not only were the call reps not able to verify that they received my letter ( they indicated that they did not have record of my letter and check as ever being received ), but, in addition, they refused to address my additional questions regarding my request to remove this debt from my credit reports.

2. ) Letter Receipt Verification of Request to Waive Balance 3. ) Request to Remove this debt from my credit reports The company refused to make my account available. In addition, they refused to discuss this account with me and my requests. 

Their action resulted in a continued detriment to my credit rating ; and an inability to receive enhanced credit terms and refinance various efforts. Their actions to delay removal of this debt continue to wreak financial cost on me and my family. Per XXXX  and other credit resources, my credit scores are hindered by at least XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 did not consent to authorize nor benefit from the following account ( s ). Block and remove.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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  charged off an account on my credit report and the card was never mine to begin with. it was obtained fraudulently. I have disputed this several times with no progress. The account was closed XX/XX/2022.

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 2023-12-14
Company: AC AutoPay LLC, Denver, CO Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
i used autopay to refinance a loan. my credit was ran twice and i was told i was approved and given an interest rate. My credit and wages were sufficient to approve me for the loan, but then reversed the loan approval and claimed its because im an XXXX and that they dont loan XXXX.. ive been in this country since 2001 and have never been discriminated against in the financial sector for anything to do with finances ... thats what a credit report and poof of income are for.. when i told the rep at autopay that it was discrimination based on my nationality, he said that because they were a credit union they werent required to follow he equal credit opportunity act and that it only applies to banks ... upon further investigation i found out that the company XXXX werent a credit union but, a premier technology-enabled auto finance company... now i have XXXX inquiries on my report and auto neither autopay nor lengenuity have tried to fix the mistake. Iv had an auto loan, personal loan and credit card for years through a credit union, and ive never been denied because of my country of origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, the consumer and natural person was denied for an extension of credit by AMERICAN EXPRESS on XX/XX/XXXX  when I applied for a credit card. 

Adverse action against the consumer is UNLAWFUL according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability according to 15 U.S.C 1692k. American Express is subject to criminal liability for violating 15 U.S.C 1691, as I have proof of discrimination due to the response received from you and is enclosed. 
American Express is in violation of 15 U.S.C 1642, U.S.C 1681m, and C.F.R 1002 ( Reg B ) as I, the consumer have a right to credit and applied in good faith but credit was not extended to me. 

Furthermore, the fact that my Social Security Number ( Credit Card/ Account ) was used and I received no benefit, is fraudulent activity committed by AMERICAN EXPRESS as unauthorized use per 15 U.S.C 1602p and constitutes unauthorized use/ Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-10-26
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented an apartment in XX/XX/XXXX from Mosaic at XXXX XXXX XXXX in XXXX XXXX, FL. I broke my lease XX/XX/XXXX due to a very bad situation which we had to involve the police. The XXXX at the apartment complex worked with me and in the end, I only owed {$1700.00}. I made my last payment on XX/XX/XXXX and my account balance was XXXX on my apartment portal. XX/XX/XXXX I received a call from XXXX which is Rent Debt Automated Collections, a collection company stating they represent the new owners of the apartment complex, Waterline Apartments in XXXX XXXX and I still owed that amount and they were going to report it to my credit report. XX/XX/XXXX I emailed my proof to the collection company. 2 days later I called collection company and he confirmed they received my email and said he saw the proof I sent. XX/XX/XXXX, the account appears on my credit report on XXXX XXXX as an unpaid collection. XX/XX/XXXX I spoke with XXXX at the collection company XXXX ( direct # ) and he said upper management would take a look and call me back. He confirmed my proof was in the system and my account had a XXXX balance and was paid. XX/XX/XXXX I spoke with XXXX and he said he spoke with XXXX and it would be removed from my credit report. Now, it shows as " Account Paid in Full was a XXXX '' but it never should have gone to collections because it was paid in full and never a collection. I want this removed from my credit immediately as it has caused my XXXX XXXX to plummet and my other creditors have noticed and are reducing my credit balances which is also hurting my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023, USAA Bank closed my account because they stated I used my account for business transactions. I clearly stated and can provide proof that my account is only used for personal transactions. I am in the military and because of this account being closed, I have to go through the process of updating the military with a new account for my military pay and this will take at least 30 days to process. This will have a financial constraint on my family and I pleaded my case over the phone and provided verbally what the transaction are and what they were for but they still closed my account. They also didnt take anything I stated into consideration and would not provide me any proof as to how my transactions in my account was business related. They just closed the account on an assumption and never confirmed with me about anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/22 the account was closed and on XX/XX/22 it was reported as charged off. Now from XX/XX/22 until the present they are still to the CRA the the account is being charged off. Once an account is closed, it can only be charged off once. So they arereportinginaccurate information to the CRA.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted the Child Support Agency 2x from XX/XX/XXXX- XX/XX/XXXX and each time they said this account has been closed since XX/XX/XXXX and they will submit information to the credit agencies to remove this information from my account because it is paid in full. Experian credit agency never investigated anything. I have also requested this information from the child support agency and they said because this account has been closed for so long it has now been Archived and the wait for me to receive this information could be substantial. Either the reporting agency never investigated by submitting this info to child support or never investigated the so called findings from child support to assure accurate reporting on a consumer 's credit report. per 15 USC 1692. In addition this account had been opened in XXXX, again showing the lack of investigation done by anyone because this account should have been removed years ago.

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 2023-11-21
Company: EdFinancial Services
State: MI
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:
I have contacted multiple times about my loan amount being inaccurate. I have screenshots of both Ed financial website and XXXX XXXX stating my loan balance is XXXX. After the amount was XXXX for over a month somehow a balance was put back on my account. I paid on XX/XX/23, {$890.00} and XX/XX/23 {$890.00}. On XX/XX/23 {$43000.00} was paid off. The total balance is XXXX, yet now the number has changed and it does not make sense how you are adding to everything already paid off.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-26
Company: Sequium Asset Solutions, LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to request your assistance in resolving a distressing issue related to erroneous collections accounts that are inaccurately reporting on my credit report. I am a victim of identity theft, and these accounts do not belong to me. The XXXX accounts in question are as follows : 1. Account with XXXX XXXX XXXX for {$210.00} 2. Account with XXXX  XXXX  for {$90.00} I have diligently checked my credit report and can confirm that these accounts have been inaccurately reported and are negatively impacting my credit rating. These erroneous accounts have the potential to cause long-lasting harm to my financial standing, which is of great concern to me. 

As a victim of identity theft, I have taken all necessary steps to report and address this issue, including filing a police report and working with the credit reporting agencies to dispute these inaccuracies. However, despite my efforts, these collections accounts remain on my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the closing and resolution of these unknown collections accounts. A fair and just resolution would be the immediate removal of these erroneous accounts from my credit report. Removing these inaccuracies is essential to restore the integrity of my credit history and ensure that my financial future is not negatively affected by circumstances beyond my control. 

I understand the importance of maintaining the accuracy of credit reports and the potential impact on one 's financial well-being. I trust that the Consumer Financial Protection Bureau will work towards ensuring the removal of these erroneous accounts, as this is crucial to my ability to access credit and financial opportunities. 

I request your prompt attention to this matter and your assistance in resolving this issue. Your support in helping me achieve a fair resolution by removing these inaccurate collections accounts from my credit report is greatly appreciated. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XX/XX/. I have reported several things over the past 2 years and yet nothing have been resolved.

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 2023-11-21
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The following amounts were charged on 3 separate days ( XXXX ) but XXXX waited until XX/XX/2023 to post the charges from lowest to highest by manipulation of the bank backend code, to hopefully cause the account holder to overdraft and be able to charge fees for each overdraw, but the total balance was XXXX which left XXXX, I checked the account on XX/XX/2023 and it was missing another XXXX. Leaving XXXX in the account. They are intentionally deducting money from accounts to induce overdrafts that can be charged, and if the " Deductions '' are in error account holders will dispute, and they reverse BUT the bank still gets to report the erroneous fees in " Income ''. 

See Below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against MACYS/CITIBANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted MACYS/CITIBANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MACYS/CITIBANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

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 2023-10-31
Company: National Commercial Services, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector did NOT confirm that NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX is a debt collector for you are now in violation of the Fair Debt Collections Practices Act by not disclosing in your initial written letter that you are a debt collector collecting on a debt and that any information obtained will be used for that purpose ( 15 USC 1692e ( 11 ) ). Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including you, NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX who has decided to infringe on my personal privacy to communicate with I, the consumer, without my prior consent pursuant to XXXX XXXXSC 1692c ( a ). Proof of violations of the Fair Debt Collections Practices Act attached labeled as Exhibit A.

Pursuant to 15 USC 1692a ( 3 ), I am the consumer because I am the natural person allegedly obligated to pay any debt.

Pursuant to 15 USC 1692a ( 6 ), NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, is a debt collector because you use interstate commerce or the mails for the purpose of collection of any debt. 
Due to NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX fraudulent actions, this constitutes as aggravated identity theft for knowingly, possessing and using, without lawful authority my identification with intent to commit unlawful activity which is a direct violation of Federal Law and felony pursuant to XXXX8 USC 1028 ( a ) ( 3 ) and 18 USC 1028A ( a ).

Pursuant to 15 USC 1692c ( c ), I am notifying you, NATIONAL COMMERCIAL SERVICES CALIFORNIA COLLECTION AGENCY, in writing that I, consumer, refuse to pay this alleged debt, and I am demanding that you Cease and Desist all forms of communication with me through all mediums, ie ; email, text messages, phone calls, consumer reporting agency or any other forms of instrumentality of interstate commerce or mails permanently. 
Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation and you are in violation of XXXX Federal Laws which equal to the sum of {$10000.00}. NATIONAL COMMERCIAL SERVICES CALIFORNIA XXXX XXXX did not confirm they are a debt collector and have failed to comply with the Fair Debt Collections Practice Act ( 15 USC 1692 ) may be held not only civilly but criminally liable for any actual damage sustained in your attempt to extort me if you violate this CEASE AND DESIST!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
I applied for a XXXXXXXX XXXX XXXX on XX/XX/23 and got denied, regardless of the reason for being denied I have the right to credit, withholding my access to my Securities is Securities fraud youre violating the Equal Credit Opportunity Act and consumer credit protection act since you are denying me my credit please retract my application thank you. XXXX XXXX XXXX attorney in fact for the all-capitals name XXXX XXXX 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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).

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