BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$62.00}

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 2023-05-12
Company: Experian Information Solutions Inc.
State: IA
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 have submitted multiple disputes with Experian regarding inaccurate credit reporting from XXXX, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as Experian shares a duty to ensure the accuracy of the information reported to it by the creditor.

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 2023-06-19
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I am writing this letter in reference to XXXX, XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Upon inquiring to make a payment, they presented me a different amount so I had to explain why. In a mean time, the operator insisted not to listen what I am trying to explain, ended up saying abusive insult over the phone and hang up on me and never pick up the call when I tried to reach out. The issue is their altitude and aggressive behavior towards those trying to make a payment and neglecting their job as a collector. 
Please check the recordings the phone call took place XX/XX/XXXX approximately XXXX ; XXXX EST and a male who picked up a phone call at XXXX ACSI Allied Collection Services , Inc. for the payment for the XXXX who he claim to be a manager.

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 2022-12-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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 Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello i sent multiple letters out to XXXX and transunion about these inquires on my report but noone has gotten back to me yet on my transunion account i have 4 inquires and on XXXX i have XXXX thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from XX/XX/2016 and i have no idea what they are.

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 2019-06-05
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account with Citibank on XX/XX/2019. I was advised with a {$5000.00} deposit I would receive a {$200.00} credit if I kept a balance minimum of XXXX in the account for 60 days. The {$200.00} credit would be credited after 60 to 90 days of that date. 
My balance never went below XXXX as I deposited XXXX and with that amount would not be charged any service fees. Needless to say they never credited me back the {$200.00} for keeping the minimum balance for the minimum time Citibank had requested the funds be in the account. Citibank has refused to even acknowledge this offer.

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 2023-03-22
Company: National Credit Systems,Inc.
State: SC
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:
National Credit Systems are reporting inaccurate information on my credit report and it is hurting my score, not only that it is hurting my reputation with my employer and financial obligations. This item that is being reported shouldnt be as a payment was sent to the original creditor in XXXX of 2022 in the amount of {$3300.00}. The original creditor sent the payment back and refused to apply the moneys owed. I spoke with the GM of XXXX XXXX and was advised that they would revise the return of the payment and apply it to the balance owed. The money was sent from XXXX XXXX XXXX XXXX it was for rental assistance, in which the company was obligated to apply. I thought this issue was handled until I started to receive multiple calls and voicemails a day from National Credit. They had repeatedly contacted me more than 3 times a day and leaving voicemails each time, in which is a violation of my consumer rights. This matter needs to be handled immediately, as I am not able to find a house because this inaccurate information is reporting on my credit report. I am also unable to accept a promotion at my job, which would greatly help my financial status because this inaccurate information being reported. As a payment has already been sent to the original creditor. If this isnt resolved immediately I will seek and obtain legal representation, and take both National Credit Systems and XXXX XXXX  to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and saw that there were 2 collections on my credit reports from Professional Placements. I don't know who they are and never had any contracts with them. 
I sent a letter to them asking for validation of the debt-showing a contract with a signature between myself and professional placement and have not heard anything back. 

I need this inaccurate information removed from my credit account.One collection is {$89.00} and another for {$3800.00}. 

I don't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: BOK FINANCIAL CORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX, a division of BOKF, NA ( the " Bank '' ), is the trustee for a Special Needs Trust ( the " Trust '' ) which was established for the care of a XXXX injured individual ( the Decedent ) who XXXX away suddenly and unexpectedly in XXXX XXXX. The Bank is in regular communication with the father and caretaker of the Decedent ( the Caretaker XXXX, and knows the Caretaker gave up employment opportunities and dedicated himself to the care of his now-deceased son for the last decade. The Bank knows that the Caretakers sole income was a stipend he earned as Caretaker, which the Trust stopped paying after the XXXX of the XXXX. The Caretaker is the primary beneficiary of the Trust.
The Bank has unfairly and unreasonably delayed closing the Trust and disbursing the remaining funds to the beneficiaries of the Trust. The Bank has also refused to reimburse the Caretaker for trust expenses the Caretaker paid out of pocket over the last decade. The Bank misled the Caretaker by indicating it would reimburse his expenses after paying a healthcare lien, yet the lien was paid in  XXXX XXXX and the Bank has not reimbursed the trust expenses paid by the Caretaker. 

In addition, the Bank refuses to communicate with the Caretaker about basic daily administrative items such as vehicle and home insurance for Trust assets. Caretaker lives in a home owned by the Trust and drove a vehicle owned by the Trust until he was forced to report it as a planned non-operational vehicle based on a lack of communication from the Bank about auto insurance. 

The Bank is unreasonably and wrongfully delaying disbursement of the Trust proceeds to the beneficiaries. It is unfairly maintaining control of Trust assets and has made deceptive representations about reimbursing the Caretaker. The Bank is required to file a final accounting in order to dissolve the Trust, has not done so over nine months after the XXXX of the Decedent, and ignores all inquiries about when the document will be filed. 

In fact, in the last communication it had with the Caretaker, via e-mail on XXXX XXXX, XXXX, the Bank admitted it was having difficulty complying with California regulations because it was unfamiliar with California law, stating, I am trying to get this wrapped up as quickly as I can, but am not as familiar with navigating the California rules as I am with Kansas or Missouri. As such, it appears the Bank is misleading consumers by offering services in numerous states when it is unqualified to do so in a competent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Prosper Marketplace, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I closed my account a couple months ago and now i can no longer see my account details when i log in. I also don't receive paper statements and when i requested them a representative said i cant get paper statements. So no online access, no online payment option and no statements to keep track of balance, interest being charged, etc. I feel the company is trying to make it difficult on purpose so i'll forget to pay and they can charge additional fee 's. There's no way for me to keep track of anything.

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 2023-07-11
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 Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: DE
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

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 2023-04-30
Company: Experian Information Solutions Inc.
State: AL
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:
I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan.

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised.

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions.

Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future.

I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter

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 2023-03-22
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 15 U.S.C. 1681 section 602 A states i have the rights to privacyUnder section 604 ( a ) ( 3 ), a consumer reporting company may provide a consumer report when it has reason to believe that the user requesting the report has one of the permissible purposes specified therein with respect to the consumer who is the subject of the user 's request.XXXX XXXX XXXX 15 U.S.C. 1681 section 604. It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) & 15 U.S.C 1681 -2 ( A ) ( I ) A A Person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-05-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act my bankruptcies case numbers XXXX, XXXX, XXXX has been violated. I applied for auto credit, without my knowledge numerous companies ran my credit without my permission 15 U.S.C. 1681SECTION 602 A states I have the right to privacy U.S.C. 1681 SECTION 2 It also states a Consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2018-11-13
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citicank is stating that I have an account ending in XXXX, but I have no records of this account and it is not showing up in my Citibank website. I have called Citibank multiple times to try to resolve this but they have not sent me any information on this account. I have requested them to sent me all documentation showing how & why they believe this is my account. I told them I don't have any problem paying, but there is no statements, billing, nothing on this account. This has been going on since XX/XX/2018 when I first called them about this. I have also, called XX/XX/2018, XX/XX/2018 & XX/XX/2018 about this account and requested statements, documents, etc on it but have not received anything on it. Citibank reps have called me only to request payment on this account, and I again requested the information but have not received it.

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