BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-10-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from the Bank of the West that they would close my account with NO explanation and reasons.

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 2020-10-04
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has reported an account on my credit report as a collections account that I need validation on. If not, I demand that they be removed from my credit reports. I need the following information to be sent for this account that they have submitted to all 3 credit bureaus. I do not have full information on them, as I am only aware of the information that is currently shown on my credit report. Account : Account # XXXX Alleged balance : {$460.00} Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. the items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-10-03
Company: EQUIFAX, INC.
State: VA
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:
This is my first 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I sent a dispute to TransUnion ( File # XXXX ) about the following account : XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1700.00} ) On XX/XX/XXXX, I sent a dispute to XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/XXXX, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.

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 2022-04-06
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank solicited the creation of a new savings account with high interest rate. It looked like a good deal so I opened the account and left my funds on deposit for several months. I then wanted to use some of my funds and encountered unreasonable withdrawal limitations. It would take me 6 months just to get my initial funds back. Next I requested to close my account, but they said it will take 14 days and I need to wait until after a pending deposit is completed. I feel like this is a predatory banking process. Other banks that I use ( XXXX XXXX and XXXX XXXX ) don't have the same limitations.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my consumer reports and noticed that I had a late payment 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 Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand this payment be updated to on time as they should be as I was NEVER late. 

Thanks,

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 2020-10-04
Company: EQUIFAX, INC.
State: OK
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:
My credit score was dropped almost 100 points from XXXX to XXXX because I paid off and closed credit cards. Both XXXX  and Equifax both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
809. Validation of debts, USAA violated 809. Validation of debts by failing to provide a notice of debt in a timely manner prior to the closing of the card. By self admission, USAA failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

This claim is substantiated by USAA in CFPB complaint # XXXX by USAA with their following statement : " On XX/XX/XXXX, the credit card was re-opened as an exception. On XX/XX/XXXX, the MasterCard charged off with a balance of {$2700.00}. XXXX XXXX, thank you for speaking with XXXX XXXX, of our staff, who advised you that USAA accurately accepted the notarized POA form on XX/XX/XXXX. Furthermore, it was accurately revoked on XX/XX/XXXX. '' USAA failed to provide the appropriate timeline required to inform this cardholder with the account debt nor provided any time for this cardholder adequate notification of any opportunity to remedy the debt, by the omission of the process USAA is required to communicate with any cardholder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like for all the incorrect information to be removed from my credit report because I did not authorize nor did I open those accounts.XXXX XXXX  needs to be removed in the balance of XXXX opened XX/XX/XXXX, XXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXXXXXX XXXX XXXX  needs to be removed in the balance of XXXX dollars opened XX/XX/XXXX, XXXX XXXX XXXX with a balance of XXXX dollars needs to be removed from my credit that was opened on XX/XX/XXXX that's not my car, and XXXX XXXX needs to be removed. I would like all the inquiries removed because I did not open those accounts XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX don't belong to me. I would like my name spelled correctly along with the correct address.

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 2022-09-16
Company: ARS National Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls multiple times with different numbers when I look up numbers its computer generated numbers. I said same thing about sending info to me its misleading with out proof. Company name is ARS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In Mid-XXXX XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my SSN since XXXX when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in Michigan like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since XXXX, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from 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
Consumer complaint received 2023-10-05
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:
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 2023-05-24
Company: California Business Bureau, Inc.
State: CA
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, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: CITIBANK, N.A.
State: MI
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:
My XXXX credit card, that I had for about 14 years, was converted to a Citi credit card. 

I informed Citi that I wanted to set-up an auto pay arrangement the way it was with XXXX. Citi failed in its duty to set-up auto pay. Rather than having the bill paid when due, no bill was being paid. 

Emails received gave the impression the bill had been paid as before, but the bill was not paid. 

I think Citi is responsible for my outstanding bill, the late fees and the interest charges. 

I filed a previous complaint with the CFPB, but Citi has refused to work with me in good faith and has even damaged my once sterling credit bureau history. 

I need further help from CFPB. 


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 2021-05-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how XXXX has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.

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