BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My parents received a missed call and a left voice mail message today, XX/XX/XXXX from someone stating they were from " XXXX XXXX (? ) XXXX '' a mediation firm, asking to speak with " a gentleman by the name of ( my name ) '' then proceeded to list the last four of my social security number. They claimed a civil matter is pending and it's time sensitive and listed their number for direct contact. XXXX. I called the representative back and she claimed that XXXX XXXX is attempting to sue me for an account closed out in XXXX. I have not received any legitimate contact in regards to this account for years. The lady then told me they could settle for {$320.00} today and could make payments but I have to let her know by Friday, XX/XX/XXXX XXXX EDT or else it's getting pushed onto court. I asked for verification of the debt and she said they couldn't provide that information because all information is held by the XXXX XXXX for " litigation purposes. '' I searched the number and apparently this is a known number for attempting to fraudulently collect on old, already paid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Credit Consulting Services Inc debit validation letter after I seen a ding on my credit report. I never received a letter from this company to collect a debit. I wrote C.C.S on XX/XX/20 They received it with certified mail on XX/XX/20 They sent a letter back XX/XX/XXXX with just the Original creditor name XXXX XXXX XXXX XXXX and Balance of {$1400.00} Still Credit Consulting Services Inc didnt not provide Validation on this bill. 
I sent Credit Consulting Services Inc a second Response letter on XX/XX/20 and they received it on XX/XX/XXXX which I asked to send copies of Ink signature and copies of any HIPAA authorization. I still have not received any letter from credit Consulting Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Chime Financial Inc
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
EFT using chime pay anyone feature sent to wrong recipient numerous disputes denied, support messages deleted, recorded phone call with support staying recipient was not the account owner that was paid never used for investigation, deliberately violating federal EFT laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.

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 2023-11-06
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 reviewed copy of my credit report, I am shocked by the unauthorized inquiries i viewed upon my report. Bases upon federal law I am promised accuracy for my report. I demand all these unauthorized inquiries shall be DELETED from my credit report immediately.

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 2023-12-19
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I still have a active fraud alert after I repeatedly disputed and turned off the alert

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: ID
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: Problem with personal statement of dispute

Complaint:
This is not my account, I did not authorize it and Equifax says they certify its mine after XXXX closed it and sent confirmation it was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Consumer Portfolio Services, 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:
XX/XX/2022 I experienced financial hardship because I had XXXX and was unable to work. I was late making payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with Equifax. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
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 have sent this company numerous letters and spoke with a rep to have the account removed due to the pay to delete agreement we made. The collection company has removed the negative remarks from my credit report but XXXXXXXX XXXX fails to uphold their agreement or respond to the certified letters/ requests Ive sent over to their company. This has been going on now for over a year and yet they fail to removed the account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX Account # 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 2019-03-13
Company: Credit Karma, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Credit Karma and XXXX has as XXXX security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called XXXX  for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XXXX of 2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Was XXXX From XX/XX/XXXX Until XX/XX/XXXX And I Have Provided Proof Of That FACT I HAVE Sent A Copy Of My Release Papers FROM THE FEDERAL GOVERNMENT And A Police Report Stating The Facts That I Am A VICTIM OF IDENTITY THEFT

Company response to consumer: In progress
Consumer complaint received 2019-01-17
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First Citizens Bank Opened checking and savings accounts on XX/XX/2018 online. Not at a branch office. 
Issue : Regulation D charges to a savings account XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$90.00} XX/XX/XXXX - {$670.00} On XX/XX/XXXX I went and talked with a Service Rep at the First Citizens XXXX NC branch. I told her what had happened and she looked up my account to verify the charges. She then informed me that I was using my savings account improperly and suggested opening a second checking account to do the same thing with it that I was using my savings account for. She said she would look into the charges and see if she could do anything about reversing some of them. She called me on XX/XX/XXXX and said that there was nothing she could do because the account was created online and not at her branch. So she gave me a # XXXX to call online customer service. 
XX/XX/XXXX I called the online customer service and talked with a rep. They said the fees were required by the government and they could not refund them but did say they would give me {$100.00} back as a goodwill gift. 
I never received any calls or emails telling me of the fees they imposed or that I was using the savings account incorrectly. I do not deny that I was transferring multiple transactions out of my savings account. I was doing this to budget my payments from my paycheck which I had direct deposited into my savings account. There was never a large amount in the savings account, I probably never had over {$2000.00}. If I did it was just for a few days after my check was deposited until I moved the money to my checking account or a payment was drafted. I was just trying to budget bill payments from my paycheck for my house, car, student loan, utilities and other monthly payments. I did not realize that I could not use my savings account in this way. I probably did received the fine print regulations for checking and savings accounts and the restrictions on savings accounts may have been listed there. But it was never made a point of concern and I was never notified after any of the fees were debited from my account. 
I would like to see if I can get all of these fees returned. 
I did look up some information on the Regulation D and it states that Regulation D requires a depository institution to comply in one of two ways : either ( 1 ) prevent transactions in excess of the limit or ( 2 ) adopt procedures to monitor excess  transfers on an ex post basis and contact a customer who exceeds the limits more than occasionally. 
I never received any notification from First Citizens letting me know I was violating these Regulation D guidelines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
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:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.. 

My XXXX XXXX account is reported multiple times on my Equifax credit report please remove immediately My XXXX accounts is reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-07-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Going issue with this company. I have contacted them in the past regarding this issue they fix the problem then a few months later they repeat with collections. they issued a negative rating on my credit report. It has drop significantly XXXX points. No one at this office will help with my problem. Cant get though to them they switch me from one operator to a Norther. I need help this has been going on long enough. XXXX issued the collection co Credence Resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My checking account dont add up a lot!

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-08-23
Company: Credit Karma, LLC
State: NJ
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 opened the XXXX XXXX card on XX/XX/XXXX of 2018 and was charged the annual fees upfront which amounted to almost {$100.00} ( {$75.00} + {$19.00} ) and on XX/XX/XXXX my credit score went down 54 points. I did not have this card within 30 days and it was reflected on my credit report. Since then, I have made 4 payments and the company has refused to allow me to make another payment this month. This card is supposed to help build credit but won't allow me to take the proper steps to ensure I can maintain my credit report.

Company response to consumer: Closed with explanation