BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: AMCOL Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern, I am writing to express my deep concerns regarding your collection agency 's behavior, particularly your deceptive claim that you work on behalf of XXXX XXXX XXXXXXXX in connection with an alleged debt. Such deceptive practices are not only unethical but also in violation of the Fair Credit Reporting Act ( FCRA ). I demand that you immediately cease all collection activities related to this account. 

I have taken the necessary steps to verify my financial obligations with my insurance provider and can confirm that no outstanding debt exists with XXXXXXXX XXXX  XXXX. Your false assertion of this debt is not only misleading but also a direct violation of the FCRA. 

Under the FCRA, you are required to provide me with the following documentation to validate the alleged debt : 1. **Original Documentation : ** I request that you provide the original documentation, including invoices, bills, and itemized statements, which demonstrate the legitimacy of the debt in question. 

2. **HIPAA Release Form : ** Given the sensitivity of medical records, I insist that you produce a HIPAA release form authorizing your access to my medical information, as is legally required to proceed with any medical debt collection. 

3. **Chain of Ownership : ** Provide a complete chain of ownership and all relevant records of this alleged debt account from its origin to the current holder, as required by FCRA . 

Failure to provide this information promptly will be considered a willful violation of my rights as a consumer under the FCRA, compounded by your deceitful practices. I am prepared to take legal action to protect my rights and ensure that such deceptive practices do not go unchecked. 

I demand that you respond to this dispute within 30 days of receiving this letter. Any further collection attempts without proper validation will be met with immediate legal action, and I will report your company to the appropriate regulatory authorities. 

I expect your full cooperation in rectifying this situation in a lawful and ethical manner. Deception has no place in debt collection, and I will not tolerate any further harassment or untruthful tactics. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 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 non-monetary relief
Consumer complaint received 2023-05-27
Company: Kikoff Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a prepaid card with Kikoff. They are showing an alleged {$6.00} pending balance on the account that is not mine. They have also reported my account as delinquent to the credit bureaus repeatedly because of this and have charged off my account since 2022. This has damaged my credit standing. Kikoff needs update this information to show a XXXX balance on this account and delete the alleged late notations and any reference to a chargeoff from my credit report 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 2020-06-14
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is a follow up of my first complaint and BlueBird a Company owned by America Express haven't send me any papers to file a claim about my moneys

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Colony Brands, Inc.
State: MN
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:
Montgomery Wards is reporting negative information on my credit report that is not mine. The social security number is not mine and they continue to report negative information on my credit report ( XXXX ) every month for the last year and continues to do so even with letters and filing a complaint. I would like this removed since this is not my account and never has been. Montgomery Wards even told me that it was not my account but still continues to report it on my credit. Also, the account belongs to XXXX XXXX XXXX and I am XXXX XXXX XXXX, last name spelled different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2022-02-01
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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:
XXXX XXXX XXXXXXXX XXXX  account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. 
I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Feder
al statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the company or affiliates are to contact me or any family members by any means other than the US mail system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-08-03
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: Information belongs to someone else

Complaint:
There is an account on my credit report from XXXX XXXX. I never opened an account with XXXX XXXX. After speaking with someone when they attempted to collect, I was told this was a conversion from a XXXX XXXX  Card that I had for XXXX XXXX. This card had a {$0.00} balance on it when it moved from XXXX XXXX as it was never used, and the replacement card was apparently sent to my old address at which point a balance appeared. 

So I have no idea where the balance on the card came from as I never had the replacement card sent to me at an address I could receive it, I did not enrol the card in any sort of payment or online portal ( as I was told by collector was done ) or anything of the sort. In fact, I had no idea the issuer had even changed.

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 2019-12-03
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 an identity theft victim and I've attempted to resolve this matter with both parties but receive no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 


Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXXXXXX XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. 

Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2023-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to dispute several fraudulent hard inquiries that have appeared on my credit report. Upon reviewing my credit report, I have noticed multiple inquiries that I did not authorize or consent to. 

I am concerned about the potential negative impact these inquiries may have on my credit score and overall creditworthiness. As a responsible and diligent consumer, I take great care to protect my personal information and only authorize inquiries when necessary. 

I believe that these inquiries are a result of identity theft or fraud, and I am requesting that they be immediately removed from my credit report. I would appreciate a prompt investigation into this matter, and any assistance you can provide in resolving this issue would be greatly appreciated. 

Please let me know the steps that I need to take in order to address this matter and provide any necessary documentation that you may require. I also request that you provide me with a written confirmation of the removal of these inquiries from my credit report. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Here are the inquiries : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX Sincerely, 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 2023-08-16
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My car was repossessed XX/XX/XXXX. I was told i had until XX/XX/XXXX to pay XXXX to get it back. I payed XX/XX/XXXX, and they said that day the car was sent to the auction and they wiil get it back they told me it will be back the XXXX. Its still not there yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2021-06-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XXXX, On XX/XX/XXXX i transfared XXXX XXXX XXXX  ( XXXX ) XXXX from my XXXX XXXX XXXX hardware wallet to my Coinbase account. 

I received a transaction conformation ( attachment # 01 ). 

My XXXX XXXX XXXX XXXX are gone of my XXXX  XXXX  XXXX but never received this Funds on my coinbase account ( attachment # 02 ). 

I opened a case with conbase customer suport on XX/XX/XXXX ( Case # XXXX XXXX Unfortunately i just get automated emails saying please be patience ( attachment # XXXX ). 

Thank you very much for your help,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I currently am a college student at the XXXX  XXXX XXXX XXXX. For the XXXX XXXX  semester, I received a refund based on student loans that I've been approved to receive. The amount that I received as a refund was {$2200.00}, and I decided to open up a checking account with Citizens Bank as a way of accessing the refund money. XXXX  days after updating my school 's XXXX  account to allow the deposit to occur into my Citizens checking account, the bank decided to lock my account and freeze me from viewing and accessing my account balance by essentially removing my account. The refund money I was supposed to receive is unable to be accessed, and I currently have ~ {$2200.00} in loan money ( deposited as a refund into my CItizens account ), that I have no idea how to access. I called Citizens bank for further questioning, but the support people were unable to let me know what is going to happen, and their nearest branch is out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans Union failed to investigate my dispute and instead sent me XXXX copy and paste sensless letters. The purpose of these senseless letters is to cause a delay in postponement. Trans Union has been sued for this behavior. They have 30 days to investigate my dispute which they failed to do so Im demanding that they removed from my credit report for disputed items.

Under 15 USC 1681 the law states the Trans Union is supposed to conduct these disputes with fairness and impartiality but instead they avoided their job. This is very stressful for the consumer and in my case XXXX XXXX so its excessively stressful

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 2021-10-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello i have disputed by mail and by phone also online with Experian about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX  XXXX  so i disputed through XXXX XXXX and they removed it yet Experian say they are still veryfying through XXXX XXXX.I spoke with XXXX and they said the courts do not report to them. I want this removed!

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 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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