BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX, I'm XXXX years of age, and work diligently to maintain a good credit history. My consumer 's credit score with the three reporting entities : Experian, XXXX, and XXXX were historically around the 700 range ( file attached ) up to XXXX of this year 2022. 
In XXXX, I paid off a car with XXXX XXXX, and didn't have any open accounts remaining. Experian and XXXX in XXXX of this year 2022. stopped calculating my credit score because I didn't have any open accounts, therefore, when a bank, car dealership or any authorized vendor that I'm trying to attain credit through, checks my consumer 's credit report with the reporting agencies, WITHOUT A CREDIT SCORE, MY CREDIT IS DENIED, AND I'M TOLD THAT I NEED A CO-SIGNER, I'm XXXX, educated with a great career ( income of XXXX ), and can't get a car loan. due to EXPERIAN and XXXX don't possess the initiative to score my historical data. 
100 % OF ALL CONSUMERS, with previously credit established, should have a consumer 's credit score. this is creating unbearable hardship, unnecessarily. 
I reached out to CFPB for assist and got none. my next recourse if to contact my senator and file a class action lawsuit with my attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
sent a validation letter to the company they did not send the correct information I asked for. This company has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights.

Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy.

Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. 
Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! 
( Please see form attached ) Due to your companies negligence, I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided, then you are too block and delete this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date Late Date XXXXXXXX XXXX XXXX XXXX  XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX Balance XXXX XXXX XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: ADP Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/22 the amount was {$770.00}. I went to get a money order at a currency exchange. And the computer froze mid transaction. Somehow the money is out of my account but they couldnt find or see the transaction on their end. They suggested I call my bank/prepaid card to credit it my money but they wont. They have me jumping thru hoops saying I need to send a email providing more information. Then they said not an email you must send a letter. They keep making up new stuff. As you can see From the pictures I sent. They havent credit me the money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently got a copy of my credit report & im seeing inquires on my report that I didnt authorize. I called the police department & they told me I may have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: AMERICAN EXPRESS COMPANY
State: TX
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 have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On this card, I've had a pay over time offer until XX/XX/XXXX where the only terms are to pay the minimum payment by the due date ( to remain " in good standing '' ), which I have ( screenshot attached ). On XX/XX/XXXX, due to a change in deposit banks, my checking account # and routing # for this payment changed. I informed American Express on XX/XX/XXXX to cancel a payment scheduled that day ( which they claim can be canceled by XXXX am but the button to cancel wasn't on the screen ) but they refused. I was told I could ask for a returned payment fee refund afterward so I made a parallel payment from a different account. On XX/XX/XXXX, I found out despite complying with this requirement to make parallel payments on time, my general APR and my pay over time APR had been changed to the penalty APR because somehow my card was not " in good standing '' despite complying with the terms of the program and making on time payments and I was charged {$690.00}. It was already a nightmare getting the returned fee refunded and now I'm finding American Express is engaging in this deceptive and illegal practice against the terms of the program. They still state on another webpage that I have 0 % APR until XX/XX/XXXX. Despite paying a hefty {$690.00} annual fee, I encountered a customer service who was too incompetent to understand nor cared. I will cancel all my cards after 17 years of membership. They are horrible and will engage in illegal practices out of greed. They need to resolve this or this is a clear case for arbitration I will pursue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: NM
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:
My right Are been violated in many ways AND THIS IS ONE OF THEM. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGTH TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: PA
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:
DISPUTED ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and Equifax failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 


The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. 

EQUIFAX on XX/XX/XXXX removed credit line with XXXX XXXX  AND security first bank, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX XXXX violation of the FDCPA and FCRA. Section XXXX ( XXXX ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See Equifax credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA Equifax It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following XXXX changes were made to the entry : XXXX. Changed from student loan educational loan XXXX unsecure loan XXXX. Changed from XXXX year of ON-TIME payment TO no payments made XXXX. Changed from XXXX XXXX first TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to XX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff.

1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
When researching the collection agency, Credit Collection Services, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Credit Collection Services and instruct them remove this debt from my credit reports. 

RE : Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter of validation with return receipt requested. They received the letter on XX/XX/2022. They did not respond within the 30 days allowed. Therefore, it must be removed from my credit report. They now have reopened two closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
When researching the collection agency, Amsher Collection Services, who put incorrect information on my credit report, I discovered that this company is not authorized to do business in the state of Texas. I live in Texas and was under the impression that a collection company has to have a valid license to do business in this state. Please contact Amsher Collection Services and instruct them remove this debt from my credit reports. 

RE : AMSHER COLLECTION SERVICES - NMLS ID : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Thank you. 

XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: JOHN GIBSON AUTO SALES, INC.
State: AR
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 wrote John Gibson Auto, to let them know I recently noticed late payments on my account that I did not approve, also let them know I went over my contract and never opted in to anything to be reported. 15 USC 1681 stats a consumer reporting agency can not furnish an account without my written permission. 15 USC 1681 a # 2 consumer reports SHOULD NOT INCLUDE transactions or experiences between consumer and person making the report. Most importantly reporting an account as late that I never even receive statements for, because that would be mail fraud and they know all debts are an obligation of the UNITED STATES per HJR 192 of 1933. My car was paid in full when I signed my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: UNITED COMMUNITY BANK
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
United Community Bank engaged in unfair and deceptive practices by drafting what I thought was an inactive/closed checking acct for several years triggering an overdraft protection line of credit to pay an insur pmt I'd assumed was long terminated. They then paid the line back with the excess overdraft proceeds remaining in the checking acct. This obviously occurred for years all the while the bank collecting interest with no attempts at notification. They apparently only contacted me after the line of credit reached it's max limit and became past due. 

This company acquired my prior bank, XXXX XXXX, but both had my forwarding address & only recently contacted me demanding past due payments.

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 2022-10-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi my name is XXXX XXXX in around XX/XX/2022 I applied at some apartments called XXXXXXXX XXXX XXXXXXXX XXXX I paid the application fees they processed my application I was approved. But due to an unexpected tragedy i had to decline there offer. I received all monies owed to them for the application process and I did not sign a lease yet in still I have a debt or collection for XXXX that I didn't have any knowledge of until XX/XX/2022. The debt is also on my XXXX and XXXX Credit Report. I would like a specific and verified breakdown of the services and products that I owe them for. And is the XXXX for because they will not process the application with the application and admin fee paid in full. I'm have also sent a dispute with both XXXX and XXXX by CERTIFIED MAIL, also genesis credit management XXXX will also be notified. 

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX *Phone XXXX Thank you for all your efforts and actions XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I initiated a wire transfer from Wells Fargo 's official website to a XXXX account. According to the confirmation note I got from Wells Fargo, the money should be sent on XX/XX/2022, and be delivered to the recipient on XX/XX/XXXX. The amount I transferred was {$11000.00}, wire transfer fee was {$45.00}, tax was {$3.00}, and the total USD taken from my account was {$11000.00}. The money was transferred in USD, so no currency exchange was involved. 
However, the recipient hasn't got the money until XX/XX/XXXX, so I called Wells Fargo 's costumer service to ask about this situation. I was told that the money should have been on the recipiant 's account according to Wells Fargo 's record. I was provided a confirmation number which is said to be given by the recipient 's bank when they received the money. Given this confirmation number, the recipient checked with their bank, only to be told that their bank did not provide the number nor did they receive the money. 
On XX/XX/XXXX, I called the customer services again and was told that the regular customer service could not solve the problem related to wire transfer so my request would be transferred to the special team for wire transfer and I should be replied within 10 business days through my Wells Fargo online account message center or my email address. I was also given a ticket number regarding this call.

10 business days later, on XX/XX/XXXX, I still didn't hear anything from Wells Fargo ( neither message center nor email ) regarding this wire transfer, and the recipient didn't get the money. So I called the third time to the customer service only to be told to call back at the regular working hour when the wire transfer special team works. 
I don't want to call them unless it's absolutely necessary, because a ) they should have solved my problem because it has been so long, b ) waiting on the line is so time consuming, and c ) I have to pay the bill for calling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On I filed a complaint ( XX/XX/2022 ) against, EQUIFAX requesting that they honor my dispute Pursuant to 15 USC 1692g ( b ). It's been well over the 30 days. EQUIFAX has exhaust the allotted time giving Pursuant 15 USC 1692g ( b ) .EQUIFAX has fail to provide me proof of verification. So, at this time, I ask that you step in and have them delete this fraudulent accounts. Since, they can not verify these account. Pursuant to 15 usc 1681b ( a ) ( 2 ) and Pursuant 15 USC 1681c-2 I didn't authorize this information to be furnished and because of that it is identity theft. Nor, did I consent to the following inquires being furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
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:
my Credit Card Score got down starting of XX/XX/2022. I suppose the cause is the inquiries

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