BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: Home Loan Center, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied on XXXX XXXX website for a personal loan. I was declined. They sent me an email telling me to login to my dashboard. So I click on email link to go to the dashboard. And this dashboard has a wrong physical address on my account. I was very concerned because I am the victim of ID theft. I called customer service and wanted an answer. The agent said I didn't know what I was doing and I told him English is my first language and I know how to read and I did know what I was doing. He asked his manager and then said " that happens, the wrong address on the account, be we don't know why, just login and update it. '' They didn't take my concern seriously at all. I had a problem applying for this loan. At first, they ask to verify your identity and ask for your last 4 digits of your social security number. And your address. But then I got a message saying they couldn't verify my information. I then entered my entire full length 9 digit social security number. Now I'm afraid someone stole my identity again. He did say my loan application was declined based off my real address, not this fake address, but how do I know this is accurate. Now I have to pull my credit reports to see if this fake address shows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX XXXX and Ive had checking account with Citi Bank for more than 2 years. I have my funds from my side job depositing into the account. I recently deposited a check from XXXX XXXX XXXX XXXX for a recent car that I sold to one of their customers. I sent the ceck to the citi processing center in XXXX XXXX Tx to deposit it into my account. I checked my account about a week later, and it was blocked! I called multiple times to citi only to get the same run around. The check needed to be verified. I finally called the monday after the deposit, and to my surprise Citi said they were going to keep the BLOCK and requesting to CLOSE MY ACCOUNT! What is any reasoning for that? I have done NOTHING wrong in my accounts and now Citibank is trying to hold my money for 30-60 days for no reason. I have been given NO reasoning as to why this decision is even considered. Id like to open a case with somebody and get to the bottom of why my funds are being held. 

If you could respond ASAP that would be great. Im just trying to get my account to stay open or AT LEAST be able to access my funds that are rightfully mine. 

XXXX XXXX XXXX. 
check amount : {$19000.00} dates called : XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Park Hill Holdings
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MyRental states that I have been evicted or had an eviction proceeding initiated. Neither of those has occurred in my rental 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 explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Apple Card was locked on XX/XX/2023, contacted Goldman Sachs and they can not tell me why it was locked or how I can get it unlocked. They tell me someone will reach out to me eventually, and they wont tell me a timeline for that happening. In the meantime, I can not pay my bill, use my card, see any statements or transaction history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: AL
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. 
1. XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX  acct # XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, has violated my rights [ Inquiries ] XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX ( XXXX XXXX ), has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX, has violated my rights XXXX XXXX has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights XXXX. XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXX. XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX. XXXX XXXX, has violated my rights 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 ASection 2 : 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 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.

Last four of SOCIAL SECURITY # XXXX  IT WOULDN'T LET ME PUT IT IM THE REQUIRED FIELD, AND THIS WAS THE ONLY PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The XXXX on this loan is very high, which makes it nearly impossible to payoff the loan. The XXXX is nearly 65 % I am also called several times even if the past due amount is only {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital Accounts XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Capital Accounts called for someone I know personally. However, neither of us have provided Capital Accounts with any contact numbers including the number Capital Accounts called that is considered " XXXX '' and is not given to just anyone. 

When I spoke with XXXX other Capital Accounts Repetitiveness including XXXX, they refused to disclose how they obtained my " Private Number. '' XXXX also refused to verify the address I provided here and further refused to provide actual address of Phone Number XXXX by stating he found " No Outbound Call '' which came to my " Private Number '' and is how I obtained the phone number XXXX as Capital Accounts. 

FCC Complaint # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
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:
for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges

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 2023-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter on XX/XX/XXXX, requesting the removal of unknown accounts and inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate correction in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the specific items listed below : XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to emphasize that I did not open these accounts or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.

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 2021-05-30
Company: Experian Information Solutions Inc.
State: NJ
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 {$0.00} Closed 2 late payments This account does not belong to me please remove

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 2021-06-01
Company: Absolute Resolutions Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was violated by XXXX XXXX XXXX XXXX. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by XXXX XXXX XXXX XXXX, for the amount of {$38000.00}. Exhibit A provided show how I was violated by XXXX XXXX XXXX XXXX, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that XXXX XXXX XXXX ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) XXXX XXXX XXXX reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NC
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 XXXXI XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights .

15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) 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 more than seven years.

15 U.S.C. 1681S ( a ) ( 1 ) states that 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 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 2021-11-24
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from CAINE & WEINER attempting to collect a debt for XXXX. 
I responded in a reasonable time frame disputing the alleged debt. I also sent a cease and desist along with a invoice as violation to 15 U.S.C. Were found. 
CAINE & WEINER did not acknowledge the cease and desist or invoice. 
Weeks later I received another letter stating that the alleged debt was verified. 
Only I as the consumer can verify an alleged debt which in this case I did not. 
Violations are as follows : 15 U.S.C 1692c- CAINE & WEINER did not have my consent to contact me 15 U.S.C 1692b ( 1 ) -Stated that I owed debt 15 U.S.C. 1692f ( 8 ) -CAINE & WEINER on mailing envelope 15 U.S.C 1692k- Civility liable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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:
I have repeatedly asked Equifax for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by XXXX XXXX XXXX XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).  Recently, Equifax provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received a decision from my loan servicer stating their investigation is correct and all information is reporting accurately. The loan reflects late payments during a period the FEDERAL GOVERNMENT SUSPENDED PAYMENTS. Please remove these accounts from my credit report to align with FTC. 

AGAIN, The federal governments has executed the cares act as well a mandate to suspend ALL STUDENT LOAN PAYMENTS. LATE PAYMENT ARE STILL REFLECTING WRONG. PLEASE REMOVE ACCOUNT FROM ALL 3 BUREAUS AS THE STATUS IS NOT CORRECT AND ACCORDING TO THE FTC US15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: South Mississippi Collection Services Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice a collection on my credit report and sent out a dispute for the alleged debt of XXXX $ on XX/XX/2020 to south ms collection Attn : XXXX XXXX XXXX with the letter attached to the complaint for further information.

Company response to consumer: Closed with explanation