BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX, refuses to remove a reported late payment for unauthorized transactions that, were not only removed, but acknowledged that they failed to inform me in time. The merchant responsible for the unauthorized transactions has put in writing that they mistakenly charged the card and reached out to the bank to try to reverse them prior to the credit reporting.

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 2023-08-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Attempted to use my card on XXXX XXXX and got declined. Received an email saying my debit card is suspended. 

Called Citi. Agent said there was nothing she could do. Ridiculous.

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 2023-12-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
At the beginning of XX/XX/2023 I had XXXX payments ( {$600.00} each ) taken out of my checking account from XXXX. They weren't getting back with me so I filed a complaint with the CFPB and they then sent me a check, but it was for {$520.00}, not {$600.00}. 
I contacted them and they said that they will correct the issue, but I haven't heard back from them since. 
This is really inconvenient and insulting. 
I need my {$76.00} back from them. 
Thank you, 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 explanation
Consumer complaint received 2020-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I became an XXXX XXXX service member on XX/XX/XXXX to present. Bank of America offers military checking and a benefit of this type of account, in conjunction with the SCRA law, is no overdraft, extended overdraft, and NSF fees. Bank of America did not approve of my XXXX XXXX status until XX/XX/XXXX to which I have been charged a total of {$5400.00} ( {$1300.00} for XXXX, {$2200.00} for XXXX, {$1800.00} for XXXX ). They have refused to refund my account even though SCRA and Bank of America policy stipulates bank fees should not place the service member in financial difficulty. I have been continually protesting this through phone calls and letters but with no avail.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: NY
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-08-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been disputing false information on my credit report. I have no knowledge of any debt. I contacted XXXX. Experian and I didn't receive any results of my complaint and it's been well over 30 days. I would like to get any false information removed from my credit profile.

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 2023-04-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Resurgent Acquisitions, LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. In accordance with the FAIR CREDIT REPORTING act 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. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt-out pursuant to 15 USC 6802 .

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUESTS FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : XXXX {$1500.00} -XXXX  XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am requesting that you remove the late payment from my account as it is inaccurate. I have never been late with this account and have been working hard to make my monthly payments on time. This late payment is unacceptable and I urge you to take immediate action to rectify this error. I have attached relevant 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 non-monetary relief
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit 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:
A tenant committed identity theft against me after being terminated from employment. They had access to my mail, identification documents, and bank account info, and electronic devices from information I thought was safe in my own home. I didn't expect someone I knew and trusted would steal from me and take out debt in my name illegally and without my consent or knowledge for transactions that didn't benefit me. This individual burglarized my house and police reports were filed but informed that someone can't be charged for theft if its their residence ( they had a lease agreement ) so charges were dropped. The tenant XXXX XXXX and her boyfriend did not have my permission to utilize my information to open accounts or purchase items. They used my checking account information to validate payments, and when I changed accounts they used stolen accounts to validate payments resulting in termination. Best Buy has refused to properly remove these charges and reports fraudulent information against me.

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 2021-07-14
Company: ENCORE CAPITAL GROUP 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 status incorrect

Complaint:
Midland Credit Management had been sending me correspondence for a year to collect a debt. I would call the company when contacted and try to work with the company to resolve the debt. The company was disinterested in resolving the debt each time I called the company. Ultimately, the company proceeded to send a claim to court, despite my ongoing attempts to resolve the debt. I called the company on XX/XX/2021 and the debt was ultimately settled for an amount of {$950.00}. A contract was signed to resolve the matter finally, between both parties. The following Monday and next business day after the claim was settled, Midland Credit Management proceeded to report to all credit bureau agencies false information, regarding an outstanding debt to their company from me, for an amount of approximately {$1500.00}. I proceeded to call the company 's lawyers to understand why this information was reported inaccurately to all credit companies when the matter had been resolved the week before ; additionally, the debt had never been reported to credit bureau agencies, as my records will attest, until the after the claim was settled, the week of XX/XX/2021. Ultimately, I called the lawyers of the company and the company itself to receive clarification for the false representation of the claim for a debt that had been settled, but I have been redirected 3 times to various phone numbers of the company which all led me back to the company 's lawyers once again. The company 's lawyers refuse to answer my phone calls and send me directly to message and I still have obtained no clarification, as to why a claim that has been settled out of court and has been negotiated for a year, is now being reported as outstanding from this week onward, when it was resolved the week before and is thus being falsely represented to credit bureau agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for a debt verification letter from XXXX USA 15 days ago. I called them back and they told me I can get it until their investigation is complete first. I have the right to receive information that negatively impacts my consumer report. They told me I dont have that right.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I've been sending letters to TransUnion every month since XX/XX/2021, addressing inaccurate information/accounts. Since my initial dispute letter in XXXX, I've subsequently asked for Method of Verification, I've done Factual Disputes with attached proof of everything for my disputes - to include copy of emails from XXXX XXXX XXXX XXXX stating account could not be located, proof that I placed a freeze on all third party reports, proof that TU is reporting differently than XXXX  & XXXX. I've also addressed and attached proof that TransUnion continues to report an account that was deleted by the other two CRA. With each letter sent, I attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately & that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting. That they're also supposed to provide me proof of how they got the information, steps for their investigation. Repeatedly they cite verified without providing proof if how or where they get supposed verified information. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty. TransUnion is blatantly violating several sections of the FCRA. I demand that TransUnion delete any and all derogatory remarks on my report pursuant to USC 1682 b ( 2 ). Furthermore, I feel they should be sanctioned for violations of the FCRA sections 609, 611 & 623.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX - has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that 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

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 2018-11-29
Company: Harpeth Financial Services, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
Hi, I have filed a report against this company and filed a report with Visa. They have withdrawn money from my account first my debit card and then processed through my bank account and withdrew money twice. One day was a scheduled payment and the other day was on a day that was not authorized. There was no notification that was sent to me that they were going to withdraw another amount from my account two days after they withdrew money for the loan payment. I filed a dispute with Visa and they filed back and stated they have every right to withdraw when they want. I never signed paperwork stating that they can just withdraw money from my debit card whenever they want. It states clearly in the contract if they cant withdraw from the checking first then they will withdraw from the debit card on the account. Which they already withdrew from my checking and then ran it through my debit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In 2018 I contacted XXXX around XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, transunion would not removed it, XXXX  did remove it. And I dont know If XXXX did anything. 

I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at santander. This is ruining my credit score

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