BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-03
Company: DISCOVER BANK
State: GA
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:
The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$9000.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had lost my job and was able to find new employment however, I was falling a little behind in the payments. I contacted the lender and was able to make payment arrangements. The agreement was that if I never missed any payments they would not send this account to collections. I honored the agreement and unfortunately the lender did not do the same. The representative I initially made the arrangement with told me that I was in no danger of this account being reported to collections. Unfortunately, they reported this account to collections. This collection is in error and having it on my credit report is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: PNC Bank N.A.
State: GA
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, INC.
State: CO
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 XXXXXXXX # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been attempting to get this collection agency to properly report my debt for over 3 years. It has finally reached its time to be deleted off of my credit report and the statute of limitations has run out on the debt. This company keeps putting any date they want as the original date of collection or date opened. The date of collection or first date or delinquency should have been around XX/XX/XXXX. The original debtor was XXXX XXXX, they then sent it to collections with XXXX XXXX ( acct # XXXX ) and in XX/XX/XXXX it was deleted from my credit file under that collectors name. However, it had already apparently been to another collection agency called Perfection Collection, they then increased the amount owed and changed the date of original delinquency/placed for collection date. Over the course of several months that have turned into years Perfection Collection kept reinserting/re-aging my original date. In XX/XX/XXXX I disputed again, and the file was removed as it was supposed to be and it was either time for deletion automatically due to it expiring or because the reporting was erroneous. Then on Sunday, XX/XX/XXXX I got an alert on all of my credit bureau reports that a new collection was added ; it was this same collection again but under a new LLC name that is the same person, address,, etc of Perfection Collection but he has sold the file to himself and other LLC name and he is still trying to state the original collection date as XX/XX/XXXX in an ILLEGAL attempt to re age my file. I opened a dispute with XXXX who I do not believe even looked at my information to see the company keeps just changing names and dates on my credit report every few months to fit whatever need so it can put it back on my report or re age it so it can stay longer.I am again asking for help and that someone address this company and their illegal practices, I would like to even move forward with filing a complaint and pursing my rights to sue for damages and receive the funds from the fines they should be imposed. I have more than enough supporting documentation to show these illegal re-aging practices this company is doing. They are committing clear violations of the Fair Debt Collection Practices Act and violating statute of limitations. I am also submitting the original letters I have been sending over the last few years. If I can not get this resolved I will be seeking counsel and then I will be seeking attorney fees, statutory damages and actual damages. This is my third attempt with submitting a complaint to you all with no resolution for different reasons ... FYI ... XXXX XXXX XXXX is Perfection Collection, they are the same company, same owner, same address, same phone number, etc. I have checked with the secretary of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: DISCOVER BANK
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
I have never applied for a credit card from Discover, but I received one last Saturday ( XX/XX/11 ). 
I have called Discover about this, and they confirmed this was fraudulent activity. Discover told me that they will look into this but did not take any action, and they did not update me with details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: GREAT LAKES
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I 've made almost {$11000.00} in payments since consolidating my loans in XX/XX/XXXX, but my principal balance has n't been reduced. Mysteriously, all of my monthly payments were applied to interest over the last 17 months until last month, when just {$35.00} was applied to principal. <P/>My payment amount has remained the same ; my interest rate has remained the same. Nothing has changed since I began repayments on my loan in XX/XX/XXXX, except having consolidated my loans in XX/XX/XXXX. <P/>I 've gotten no response from Great Lakes Higher Education Corp. in Wisconsin, my student loan servicer, as to why no portion of my payments reduced the principal balance of my loan. I have an extended graduated repayment plan, but a simple amortization schedule calculation indicates my monthly interest payment should have been at most {$30.00} less than my monthly payment amount. This means the servicer has failed to apply principal portions of my payment for all but the last month 's payment. I calculate just more than {$580.00} in principal that has been applied instead to interest, just on my consolidated loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: IL
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 two fraudulent auto loans on my credit report that the credit bureaus refuse to remove. One from XXXX XXXX XXXX and the other from XXXX 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am name is XXXX XXXX and as I reviewed my recent report, I have found a lot of multiple erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the multiple items stated below. Under FCRA,30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2016-01-19
Company: First Choice Assets LLC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
When the company called me, I stated that they had the wrong number, they were looking for a XXXX. Then he tried to confirm the address and again i stated that had the wrong number and he states that I am just asking a question. Asked for the company 's information and advised that i would be filing a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Avant Credit Corporation
State: DE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a loan from avant last year in XXXX of XXXX. I received an email about refinancing for additional funds or lower Apr. My Apr for a Delaware consumer is XXXX, but I noticed on their website they offer Delaware loans highest 36 %. I contacted them and their statement was this was new interest since my loan opened and I could reapply for the lower Apr. I tried reapplying and was denied. Logged back into site after applying it ran my credit again to deny me without me actually filling out application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Avant Credit Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a personal loan with Avant, first of all they are loan sharks charging me 30 % interest. I am a single mother and XXXX veteran who had several XXXX resulting from my military service. This resulted in medical bills and me having to take unpaid leave from work.I had made payment arrangements with avant to lower my payment for 6 monthsI had changed my bank account however, avant continued to charge the old account and not the new XXXX. One day I get an email stating my account is {$2000.00} past due and another day its {$3000.00}. I am trying to pay this off but Avant wont work with me and they are destroying my credit ;. I am moving for a better paying job shortly but because of this I am unsure if I will be able to secure housing for my XXXX XXXX XXXX son and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: FC HoldCo LLC
State: GA
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

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 2020-01-15
Company: Exeter Finance Corp.
State: GA
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 did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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 XXXXXXXX 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. 

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. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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. 

In accordance with the Fair Credit Reporting act XXXXXXXX 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. 


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. 


In accordance with the Fair Credit Reporting act BANKRUPTCY 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 2022-06-19
Company: EQUIFAX, 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 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. 

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. 

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. 

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. 


In accordance with the Fair Credit Reporting act 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.

In accordance with the Fair Credit Reporting act BANKRUPTCY 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred {$850.00} to my Fiance in  XXXX ,  XXXX  on  XXXX   XXXX ,  2017 an d I tracked transfer which was picked up in Colorado, USA! Nowhere near  XXXX !  Western Union just gi ves me the run around but is no help at resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have advised creditor of a chapter XXXX bankruptcy over a year ago and to please cease contact they still continue to call and threaten legal action is being pursued

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My name is XXXX XXXX, i am a Federally Protected Consumer. On XX/XX/2022, Federal Loan Servicing was sent a Cease and Desist Notice which was received by their office on XX/XX/2022. Within the notice, I asked for an audit trail of all of the alleged accounts for " Validation '' purposes. Of which they have to send me according to 15 USC 1692 ( g ) or be in violation of federal law. I have not received any correspondence or audit trail from them. Audit trail may be sent via postal mail or through a private link via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
1 ) XXXX XXXX reports that I owe {$140.00} on a secured account opened XX/XX/XXXX and closed XX/XX/XXXX. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

2 ) XXXX XXXX is reporting incorrectly. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

3 ) XXXX is not my account. This is fraud. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record. 

4 ) XXXX is not my account. I have asked for proof/validation due to identity theft for utility accounts that were established without my knowledge or permission. I have disputed this account asking for my original creditor 's agreement and original signature according the Section 609 ( A ) ( 1 ) ( A ) of the Fair Debt Collections Practices Acts. Transunion XXXX  XXXX has failed to provide documented proof on the allegations of this incorrect information damaging my credit report preventing me from getting a new home. I request removal of this record.

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