BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi. On XXXX i went to my local citizens bank at XXXX XXXX XXXX in XXXX new york between the hours 1-3. I deposited between $ XXXX in cash It took 4 transactions to deposit it all completely. On the last transaction it showed the amount that was deposited. Everything seemed fine then within seconds of showing me the total deposit. The atm says invalid account then as its proceeding to give me my money back it never gives me back any money and says machine error please talk to your financial institution. So i go into the bank Explain what just happened. The tellers tells me i have to make a claim with the claims department. Leaving pretty upset. I make a claim that day XX/XX/XXXX XXXX i wait about a week and call the bank to ask my claim status. The bank says you have two claims on file Sir. I replied there should only be one claim. He says well you have 2 one for {$1100.00} and one for {$1700.00}. I tell him the one for {$1100.00} is wrong. i never made that claim. So he proceed to get rid of the {$1100.00} claim, but the claim number i origanally was given was for the {$1100.00} claim that i never made. So i asked for the claim number to the {$1700.00} claim. The bank operator gave me the correct claim number. 
3 weeks after my last phone call with the bank i got my claim letter in the mail dated XXXX. Saying the bank records indicate there was no machine error and as a result citizens bank will not be credit your account in the amount {$1700.00}. So ive proceeded numerous times since receiving the letter to talk to the claims department Ive been told everytime that someone from claim will contact me in 2 business days. Its been numerous days since my last call to them and i still have not heard from the claim department and i also asked for all documents they have to come to there conclusion. ive heard nothing from them and today is XXXX. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I searched for " free credit reports '' on XXXX. The third search result is TransUnion, which is the site I selected. I filled in a request for a free credit report and the website prompted me to fill in my credit card information. There were no readily apparent terms or conditions, indications, or boilerplate text showing that I would be charged {$24.00} for a subscription ; however, after agreeing to what I believed to be a free credit report, TransUnion attempted to enroll me in a yearly program at a monthly cost of {$24.00}. I immediately canceled the subscription that I never wanted in the first place. I then checked my bank account to see whether I had already been charged. Sure enough, there was a pending charge for {$24.00}. Next, I contacted TransUnion to try to resolve this issue. A confrontational customer service agent told me there are no free credit reports and I agreed to the subscription.

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 2023-02-22
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put JEFFERSON CAPITAL SYST, A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
JEFFERSON CAPITAL SYST XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency.

Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ).

I do not have any business with your company, and I do not owe this alleged debt.

A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you.

If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions 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 dispute letters to XXXX, XXXX  and Experian In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card.

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.

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 2021-12-15
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. I have attached my Documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: EQUIFAX, INC.
State: MO
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'm disputing the following accounts on the fact that they do not belong to me, maybe it's a mistake on the credit reporting agencies part, or it's due to fraud since my identity has been compromised months and months ago. The following accounts I'm demanding to be blocked from my credit report are, # 1 XXXX XXXX {$3300.00}, # 2 XXXX  XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
capital one XXXX [ 18 months never late ] 900 payments blocked v different name on s s a card XXXX XXXX XXXX [ XX/XX/2017 [ XXXX ] total 986 credit breach elder abuse s s a fraud my payment XXXX and XXXX and XXXX claim on file XXXX and XXXX and XXXX all claim on file document sent and still not corrected abuse by family. i am XXXX victim of abuse my di decreased each transfer i am discovering new tactics of fraud. please helping thank you. at present they have XXXX as being owe which is life insurance s s a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX, date of birth is XX/XX/XXXX, XXXX is XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX needs to be removed from my credit for the following reasons : The alleged dollar amount is incorrect. I received correspondence indicating that {$240.00} was owed ( see attached ), then correspondence alleging {$200.00} was owed. 

Nothing is owed and nothing was ever owed. This was paid by insurance. Although not owed, the alleged debt was paid on XX/XX/XXXX ( see attached ). 

Further, paid medical debt that was in collections can no longer be included on consumer credit reports ( see attached ). 

If this is not removed on or before XX/XX/XXXX, I will be filing suit against both Trans Union and XXXX XXXX 


Thank you for your time and 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 2023-07-03
Company: EQUIFAX, 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. 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 2023-11-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I am requesting the bureau to investigate the accounts that are inaccurately reporting me as late, despite my timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: Access Receivables of NC Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ( XXXX XXXX XXXX recently obtained a copy of my credit report. Access Receivables Management continues to violate my rights according to Fair Debt Collection Practice Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. This company have violated 15 USC 1692b ( 2 ), 15 USC 1692b, 15 USC 1692c. 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d, 15 USC 1692e. This company have violated my rights as a consumer and misuse my name. Hurt my reputation and my life. I have attached my LICENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NJ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-26
Company: Experian Information Solutions Inc.
State: LA
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 Convergent Account XX/XX/XXXX {$420.00} placed in collection from XXXX XXXX XXXX. XX/XX/XXXX {$560.00} placed for collection from XXXX XXXX XXXX. XX/XX/XXXX {$770.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX {$1200.00} placed for collection from XXXX XXXX. XX/XX/XXXX {$1500.00} placed for collection from XXXX XXXX XXXX XXXX XXXX. 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.

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 2023-01-14
Company: EQUIFAX, INC.
State: IA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I presented a {$100.00} bill to change, the bank refused. They require the consumer to have an account. This happened on XX/XX/ at XXXX XXXX, Bank of America XXXX XXXX in XXXX, VA XXXX. 

Can a U.S. bank refuse to exchange legal currency?

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 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 2023-08-26
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX 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 C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a 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 2021-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls to this number asking for a different person each time. The names of he people they are seeking have no connection to the number being called. Called XXXX, XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX / XXXX I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX / XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage on my home through M & T bank they put 2 parcels on my lot when there is only one. So after that happened my monthly payment went up over {$300.00}. I called one year ago today to find out why i paid double the amount if property taxes and not one person could give me an answer for over a month. I called back after another payment posted with the additional money and was told that i paid for 2 parcels and it was a clerical error and i would get my money back from the city at the end of the year! So i have to pay over {$3000.00} for their error and now the year is up and the payment has not went back down. I asked what would happen if i didn't have the extra {$300.00} a month in my account to pay for the mortgage and was told that my house would have been foreclosed on. Ive never ever received a formal letter from the bank explaining how they messed up. After a year i finally reached a breaking point and called my lawyer and he found it outrageous that this has happened. This is horrible for anyone to deal with.

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