BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently paid off this account, so as far as I know, I do not owe anything. When I logged into the website, it still shows that my next payment is XX/XX/XXXX. It also shows that {$130.00} will be due. I asked for someone to clarify this for me on XX/XX/XXXX, but my email and concerns were completely ignored. If I owe some money, I would like to know about it. On XX/XX/XXXX, their site showed the outstanding balance was {$8300.00}. The check was for {$8300.00}. My records show I am owed {$92.00} in overages. I asked how to retrieve that additional cash, but that too was ignored? I asked them if I can have that extra mailed back to me? The tracking number for the check is XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX checked my bank account. On top of the {$92.00} of overage, it also shows they took {$130.00} from my account on XX/XX/XXXX. This brings the total amount owed to me to {$220.00}. It is disturbing that my account could be paid off, and they still take money from my account. Furthermore, there is no way to stop the autopay on the website. Customers are directed to reach out to them, which I diid, but was subsequently ignored. They are now impacting my ability to pay my mortgage on time by taking money no longer owed to them. 

As I have stated, they owe me {$220.00} and I would like someone to explain why all this additional money was taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Information is missing that should be on the report

Complaint:
I have tried several times to explain that these weren't my accounts but for some reason no one is believing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: FL
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collectionsfrom your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Bank Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

XXXX ) Documentation that shows I agreed to pay this debt with my signature. 

XXXX ) The Agreement that grants you authority to collect on this alleged debt. 

XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit reportor I will seek litigation for XXXX damages. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been seeking validation and verification from XXXX regarding a negative account on my credit profile, asking for crucial documentation like an acknowledged agreement and transaction history for the balance calculation. Unfortunately, XXXX has refused to provide any such documentation, yet they've reported this unverified debt on my credit report. Moreover, given that this matter appears to be over the statute of limitations, I believe it's crucial to address this discrepancy. Please assist in forwarding my concerns to the respective companies involved.

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 2023-05-09
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: Credit inquiries on your report that you don't recognize

Complaint:
i pulled my credit report and noticed several credit inquiries that are on my report that i didn't apply for. i am a victim of idenity theft. 

XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Im filing a complaint against Bank of America, I lost my phone, debit card, wallet and license, and someone was able to use this information and fraudulent charge {$4800.00}, I have spoken to higher ups in the claims department and all I get is the runaround, Ive been a customer for about 13, years, I gave them all my information and even wrote a letter, every time I call they say they are gon na issue me credit and take care of it on the day I call and never do, why lie to your customers. Imagine this, Im not working, I come home to my cable being shut off, and ui being turned off, I had an XXXX person living with me and had to move her to my uncles house and had to borrow some money from family members, and last but not least imagine having to money foXXXX XXXX dinner and having to go to families house cause theres no money for groceries. If there is anyone out there that can help me to get this money back it will be greatly appreciated, I filed with the XXXX and attorney general, I hope Bank of America sees this and credit my account, this is so wrong.

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 2023-11-27
Company: EQUIFAX, INC.
State: MA
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 am writing to bring to your attention the unresolved issues I am experiencing with Equifax regarding inaccuracies in my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information, and as of the current date, I have not received a response. The details of the inaccuracies and the required corrections are as follows : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$690.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$740.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$22000.00} ) : The following account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, Balance : {$320.00} ) : I require that you verify the accuracy of the account identified as XXXX The reported balance of {$320.00} is inaccurate, and the Past Due amount should not be presented as the account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. Additionally, I request verification of the Date Opened, Date of Status, and First Reported. 


XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$420.00} ) : The following account is not mine. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IN
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 am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
**Their investigation did not fix an error on your 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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 am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open accounts on my credit reports with Experian and XXXX. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. 

I have identified the following accounts on my credit reports with Experian and XXXX that continue to be inaccurately reported as late openings : 1. XXXX XXXX XXXX XXXX Balance : {$4700.00} ; 2. XXXX XXXX XXXX XXXX Balance : {$4600.00}. 


I have previously disputed these inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. 

Despite my efforts, I have not received any meaningful response or resolution from Experian and XXXX. The late open accounts remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. 

I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct them in both Experian and XXXX credit reports. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both Experian and XXXX credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. 

Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.

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 2023-12-07
Company: EQUIFAX, INC.
State: CA
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 XXXX with the balance of {$3200.00} XXXX XXXX XXXX XXXX with the balance of {$5300.00} and XXXX XXXX leasing with the amount of {$0.00} reported XXXX XXXX, are the result of identity theft, and They are not belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: GA
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 reported this twice with both XXXX and XXXX and lastly Experian via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 

Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, XXXX, experian, XXXX are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXX 's, actions, or lack thereof, represent a serious breach of these vital safeguards.

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 2023-08-16
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. Systems is attempting to collect a debt from me without validating the debt. I requested validation of the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA by mail and it has been over 30 days with no response. The debt continues to be present on my credit report. Continuing to attempt to collect a debt and reporting it to the three credit bureaus without validating the debt is illegal and fraud.

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 2023-08-16
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I applied for Security protection on XX/XX/XXXX o with Synchrony Bank, PAYPAL Cards and credit line, oi=n the computer with an agent due to loss of employment. I upload all documents requested for two accounts. I received three different letters on XX/XX/XXXX and XX/XX/XXXX all requesting more information. All information was proved again with new applications as requested by email and finally USPS mail. I followed up by phone XX/XX/XXXX at XXXX XXXX  I was told there was hyet another note saying the application was not dated. This was false. I requested a review and supervisor. I was put on hold and was to pass through to XXXX who had reviewed the application. XXXX dropped me to her voice mail instead of talking to me. I left a detailed Voice mail and my number which they had, I went online to check the status and all my information was deleted and no longer on the system that showed all the uploads. I have letter showing the claim and copied of faxes and emails. I called today and they said I never filed a claim and I must be current to file. I advised I have not missed a payment, paid for the service and filed by upload on XX/XX/XXXX. He said I was not being truthful. I asked for a supervisor and was hung up on. I had provided all documents to the Office of the Insurance Commissioner who directed me to 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 monetary relief
Consumer complaint received 2023-08-16
Company: Recovery One, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2023 or around this date I received a notice from Recovery One. Notice date is XX/XX/2023. 

XXXX forwarded a debt under my name to recovery One ( A debt Collection company ) and they claimed that check I issued was Non-sufficient. 

I did not have any transactions with XXXX, the check maybe under my name and my residential address because XXXX XXXX is sending promotional checks for me to use for anything, under my credit card. Our mailboxes were broken and all our mails were stolen several times in XX/XX/2023 and XX/XX/2023. 

XXXX did not send me a letter, billing department said they were calling me but they had the wrong number. A letter would be much better if they can not reach me by phone SO I CAN DISPUTE earlier. The Invoice # XXXX, billing dept said it is not under my name but the check payment was mine. Possible because my mails were stolen. I did not get the name of the account from XXXX. 

I do not want to pay them {$520.00} and now Recovery One is asking for Police Report. 

Thank you.

Company response to consumer: Closed with explanation