BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: FCC Finance, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Tree days ago on XX/XX/XXXX, I notice a change in my credit score. It when down about 30 points due to a new account posted with 120 days past due payment. The company is FCC Finance after I call them, I found out that FCC Finance just acquired a loan company by the name of XXXX XXXX. I did have a loan with XXXX XXXX back in XXXX. It was my understanding that my loan with XXXX XXXX was fully paid after I completed all payments. After that, I move to Florida and never hear anything from XXXX XXXX. In 6 years XXXX XXXX never showed up on my credit report or reported a collection on by behave. Now, this company FCC Finance ruined my credit for a fee that apparently I did not pay, a fee of {$180.00}. Because of this {$180.00} we are going to lose our house. You see, we are about a month away from the closing date on our mortgage they are currently building our house here in XXXX Florida, and with this late payment posted by FCC Finance, my loan officer told me we have very little change in getting the house and we will lose all the money we already paid. I begged FCC Finance to remove that late payment form my record, I explain I did not new about the {$180.00}, but they did not care they even got angry and annoyed at me. And then I ask why no one try to contact me before they posted this on my credit report. They said they try to send an email and when I ask what day they could not give a straight answer. You see there is no way I will put in jeopardy my family 's future for {$180.00} if I knew I owe this money I will have paid it 6 years ago. 

I did pay the {$180.00} the same day I contacted FCC Finance despite the anger and powerlessness I felt and still feel. I am very desperate and disappointed on how this company behaved towards me and how much I will lose for a XXXX year old late fee that no one had the dignity of trying to contact me before posting this on my credit report. I am not a law expert but I am counting on you to help in any way you can. This type of behavior forms a company is not right in any way. 

FCC Finance is from Texas but in the web site below they also do business in Florida and since I am a Florida resident I ask for your help. 
URL : https : //www.fccfinance.com/

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: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 XXXXXX/XX/XXXX There was an inaccurate reporting on my credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: VA
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Cascade CISS Holdings, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently noticed hard inquiries in my credit report, I did not know about them, I do not recognize any of them, there should be a mistake. These matter is having me very concern since I did not know about this issue, there are 7 inquiries from the past and they are affecting my credit very much. I wish to resolve this matter as soon as posible please XXXX XXXXXXXX XXXX XXXX Universal credit service XXXX XX/XX/XXXX Credit plus. XX/XX/XXXX Universal credit Service XX/XX/XXXX Universal Credit Service. XX/XX/XXXX Credit Plus. XXXX XXXX US Departament of edu XXXX XXXX As you can see

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
On XX/XX/2022 I submitted request for Experian to remove this incorrect reporting from my credit. Experian sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/ with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/ I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my 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 2023-11-04
Company: Experian Information Solutions Inc.
State: GA
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:
Collection Letter : Per the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-18
Company: Radius Global Solutions 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 demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. RADIUSGLOBAL XXXX has violated my rights and I sent them multiple cease and desist letters without prevail. This company does not have the right to collect in the state of Georgia so they are criminal. And pursuant XXXX5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-08
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I RECEIVED MY XXXX STATEMENT FROM XXXX XXXXXXXX ON MY XXXX XXXX IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH XXXX XXXXXXXX REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A XXXX BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH XXXX AND EQUAFAX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. MY XXXX SCORE DECREASED BY XXXX POINTS AND EQUIFAX DECREASED BY XXXX POINTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am disputing a charge for {$90.00} on XX/XX/2023, under " misc fees ''. I have since called daily, sometimes twice a day without a resolution. They explained that those fees were charged in error as part of another claim ( XXXX ). That claim was for {$18.00} and was resolved, however, the {$90.00} miscellaneous fees has not been resolved. 

What is happening is that the bank keeps checking that claim and saying it is resolved but does not want to address the {$90.00} that they charged me. I have asked for a direct number or fax but none have been provided. 

Below is a copy of the email I sent the bank. 
Dear Citizens, I am writing about a dispute that was incorrectly processed. I have called over 6 times in the past week and received two letters from citizens, but no one will resolve this. If you look at the claim, it will say it is for {$18.00} and you see that XXXX issued me a credit. That is not my issue. YOU deducted {$90.00} on XX/XX/XXXX under " Misc charges '' which was an error in resolving this dispute. I am asking you t credit me back my {$90.00}. 
I ask that you please review the XX/XX/XXXX translation for {$90.00}, not the {$18.00} charge. Please refund my {$90.00} or give me a justification for it. 
Thank you, XXXX XXXX Disputed amount {$90.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: American First Finance, Inc.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
America first finance took two payments from my checking account. When the loan was made current. The amount was {$200.00} and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
Company: ACS Education Services
State: FL
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 am writing to bring to your attention a deeply concerning issue regarding the information that ACS ( ACS Education Services ) has been submitting to the credit bureaus. This erroneous information has had a profoundly negative impact on my credit report, jeopardizing my financial stability and preventing me from making significant purchases, such as a home. 

I have been a diligent borrower and have consistently made payments on my student loan account with XXXX. My loans are currently on hold and despite my efforts to uphold my financial responsibilities, it has come to my attention that ACS has been submitting incorrect information to the credit bureaus, which has been inaccurately reflected on my credit report. 

The consequences of this error have been severe. I have been in the process of trying to secure a mortgage for a home purchase, a goal that I have worked towards for years. However, due to the inaccurate credit information reported by ACS, my credit score has suffered significantly. As a result, I have faced rejection from multiple lending institutions, making it nearly impossible for me to achieve my dream of homeownership. 

I am deeply frustrated and concerned about the impact that ACS 's mistakes have had on my financial well-being. It is not only affecting my ability to purchase a home but also potentially hindering other aspects of my financial life, such as obtaining favorable interest rates and credit limits. 

I kindly request that ACS takes immediate action to rectify this situation. Specifically, I ask that you promptly investigate the erroneous information that has been submitted to the credit bureaus and ensure that the accurate and updated information is reported as soon as possible. Additionally, I urge you to communicate with the relevant credit bureaus to rectify the inaccuracies on my credit report and provide them with the correct data. 

Furthermore, I am seeking compensation for the emotional distress, time, and effort that I have had to invest in resolving this issue. It is only fair that I am reimbursed for the losses I have suffered as a result of ACS 's mistakes. 

I believe in resolving issues amicably, and I hope that we can work together to rectify this situation promptly. I have attached relevant documentation to support my claims and would appreciate a response within 30 days to outline the steps ACS will be taking to address this matter. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution that will restore the accuracy of my credit report and allow me to pursue my financial goals without unnecessary obstacles.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-03-07
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I the consumer applied for a Home Depot credit card and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Home Depot/Citi Bank due to their response by the company. See attached. Home Depot/ City Bank is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Home Depot/Citibank behalf . I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank 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 explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting act, credit reporting agencies, have violated my rights, for account XXXXXXXX XXXX 

15 US 1681 Section 602 states I have the right to privacy. 
( My information has been furnished ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions. 

15 USC 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 2023-04-11
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Netcredit/XXXX XXXX my account was opened XX/XX/2021 account was closed and sold to a collection agency that is not legally licensed or registered in the state of Florida as a debt collector or collection agency. Since Netcredit/XXXX XXXX no longer own this account can they please remove all tradelines from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with XXXX reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the fair credit reporting XXXXXXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681, section 60 for a section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions.

4 U.S.C 1666B : a creditor may not treat a payment on a credit account under an open and consumer credit plan as 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