BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: PA
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. XXXX  and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which it states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( XXXX bank ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX Bank ) the financial institutions and the Consumer  reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Equifax, XXXX, XXXX, ( XXXX Bank ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a XXXX XXXX XXXX not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX Bank ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' Equifax, XXXX, XXXX are not maintaining reasonable procedures. also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. And I'm opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Over the past couple of months, I have received notices from Citibank regarding Regulation D- which is a regulation that limits an account to 6 transfers per month. I contacted Citibank on multiple occasions to make ask and make them aware of the fact that in XX/XX/XXXX, the Federal Reserve Board eliminated that rule due to COVID-19.  Each time I spoke with someone ( Via chat ), they were either not aware of the rule or I was told that Citibank 's system had not caught up ( whatever that means ). This morning, as I was checking my accounts, I noticed that my savings account had been closed. I called Citibank to try and understand what happened. The first person I spoke to pretended as if she couldn't hear me, the second person I spoke to told me that Citibank set 's their own rules, and the third and final person I spoke to looked into my account, agreed that there is no longer a limit but told me that I should have reached out to Citibank- I reminded them that I had, on at least 3 separate occasions. Beyond frustrated I hung up. I called another bank, XXXX XXXX, to see if they were aware of this ruling, and they too were not. 

I have attached the various chats I have had with CitiBank customer service agents, as well as the letter I received from Citibank regarding closing my savings account. I reached out to Citibank on XX/XX/XXXX about the matter where I was reassured by the agent that the issue would be escalated so that it does not happen again.

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 2023-08-04
Company: EQUIFAX, 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 two cars reporting on my in the amount of {$23000.00} and {$35000.00} that does not belong to me I am a victim of identity theft I have notified every one of this I have also sent a copy a police report to each credit bureau. This has greatly affected my every day well being

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Possibly fees from Wells Fargo complaint

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 2021-04-15
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Carter-Young Inc a debt validation letter two times on the following dates : XX/XX/21 & XX/XX/21 and each time Carter-Young Inc has failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
- In XX/XX/XXXX, our home mortgage creditor discovered a " {$0.00} '' debt by Credit Collection Services on my FICO credit file. It cleaned off 100 points. 

- On further investigation, we found it to be tied to a XXXX XXXX XXXX dollar bill which we had paid off in XX/XX/XXXX TO XXXX  when we got the bill in mail in mail. 

- Despite that, my XXXX  balance account seemed to have reached some Credit Collection Services, who brainlessly reported an XXXX dollar account to FICO as OPEN. 

- I had zero communication from this company, no mail, nothing. For an entire year, they kept reporting to FICO that i owed them XXXX dollars and severely damaged my credit resulting in INCREASED RATES of our home loan. 

- When i tried to contact the company, they realized this error and said " Oh OK we will send the closure now ''. 
I asked for them to share with me the closure report, so i can try and fix the credit damage on our end too. 
" No we have a policy to not mail this to the debtor '' I never even owed them a dime ... 

Now i'm sitting with damaged credit, with this company who have illegally put a collection on my account ( XXXX dollar )!! And they are not willing to help fix it in time. If I lose the home loan, we have sufficient cause to sue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
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 have recently came across a copy of my consumer report and have noticed an account that does not belong to me. According to 15 USC 1681c-2 Please block anything as a result of Identity Theft. Fraudulent account ( XXXXXXXX XXXX XXXX XXXX ) Fraudulent inquiry XXXXXXXX XXXX date of XXXX XXXX XX/XX/2022 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: U.S. BANCORP
State: WA
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:
There are over 31 hard inquiries on my report I do not reconie. XXXX XXXX resent, XXXX XXXX XXXXXXXX XXXX recent for car there is 3, loan inquiries did not do, us bank, XXXX XXXX XXXX debt consolidation. all but 3 are in correct

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 2021-04-16
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE.

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.

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 2021-04-16
Company: Experian Information Solutions Inc.
State: NY
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:
HELLO TIRED OF WRITING XXXX, XXXX, EXPERIAN ABOUT BREAKING THE LAWS. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-05-16
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My cash app account/card was used to make unauthorized purchases on XX/XX/XXXX my card was charged {$9.00} at XXXX XXXX XXXX XXXX XX/XX/XXXX my card was charged again by XXXX XXXX XXXX XXXX XXXX for {$9.00} my card was also charged by XX/XX/XXXX on multiple dates beginning XX/XX/XXXX for {$8.00} on. XX/XX/XXXX for {$10.00} on XX/XX/XXXX for {$10.00} twice I was charged that on XX/XX/XXXX they charged me {$11.00} on XX/XX/XXXX for {$34.00} I was charged by XXXX XXXX on XX/XX/XXXX for {$2.00} on XX/XX/XXXX for {$5.00} then XXXX eats charged me {$37.00} on ok XX/XX/XXXX they also charged me the same day for {$47.00} I was also charged by XXXX multiple times on XX/XX/XXXX {$3.00} on XX/XX/XXXX for {$29.00} and {$3.00} on XX/XX/XXXX {$7.00} and on XX/XX/XXXX for {$60.00} and I was Charged by XXXX on XX/XX/XXXX for {$18.00} and {$17.00} I contacted cash app to refund my money and they did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: MI
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:
Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX XXXX  account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX  to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
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:
See attached document!!! 

On XX/XX/2023. Contact was sent to XXXX XXXX XXXX XXXX and Experian XXXX XXXX XXXX about several inaccuracies on my report. The following companies instead of acting in my best interest as a federally protected consumer ... XXXX and Experian continued to add information that is known to be inaccurate. I am shocked at their clear disregard for their duty to uphold the rights enacted to consumers. I am hurt and my rights to privacy have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield and associates has called me 16 times since XX/XX/XXXX. I have no debt sent to collections, I do not owe them anything. Dates of calls are : XX/XX/XXXX, XX/XX/XXXX 4x, XX/XX/XXXX 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. The phone calls are harassing and predatory in nature immediately asking for personally identifiable information. The last call received as of XX/XX/XXXX, the rep that called me said something along the lines of " consider this your last warning '' and immediately hung up, I do not know what they are threatening me with, or for. I do not owe debt to anyone besides a car payment that is not anywhere near being turned over to collections. I have looked online and this " business '' is highly suspected to be a scam and not a legitimate operation, if this continues I will seek legal action against them and contact my state representative as they seem to have a business model of preying on poor people who don't know that this is a scam or otherwise predatory " business ''. Online reports indicate Wakefield and Associates withdraw more money than " customers '' agree to, and only exist to get people to agree to let them drain their bank accounts. The fact this " business '' exists is indicative of the poor state of business regulation in America and is a stain on our national identity, as well as threatening the livelihood of Americans who don't know any better. I suggest the government reign in this scam operation before more Americans have their money drained from their account without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : 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 explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Synovus Bank
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
First progress card Secured Cards has {$2000.00} hold on my accounts reported my account to XXXX and XXXX after 30 days of non payment minimum due instead of waiting 90 days plus holding my {$2000.00} for security deposit. These people has. I shame because I explained this on a fax. The problem was I was overseasast 4 months and they charged me annual fee of {$29.00} when I was overseas for service. They never sent me any email about it as well so of course I couldnt make the payment not knowing I owe them money. I made the maynent as soon as I came back from overseas plus with late fees. But THEY HAVE NO SHAME they destroyed my credit report even after 30 days of missed payment. All other credit cards wait for 90 days but these crooks didnt want to wait and they purposely destroy my credit score. I want them to IMMEDIATELY remove the credit report and compensate for the damages they caused me please Credit cards ending XXXX and XXXX They have a terrible system of making payment anyway. Customers dont have a way to make payment instantly but wait almost 2 weeks so i can send the money digitally from my own bank. Thats how they make their customers fail their payments otherwise they would had better and faster payment methods. Plus they holding XXXX {$1000.00} security deposit anyway so why would they report me after 30 days and I am overseas plus they never sent any email about the yearly fee {$29.00} because I never even use these terrible cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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:
There are a couple of creditors listed on my credit report that do not belong to me.

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 2023-09-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam, I am reaching out to contest the presence of a credit account linked to XXXX  XXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ).

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities such as acquiring a new vehicle, securing a loan, or purchasing a home. 

I greatly appreciate your prompt attention to this matter and kindly ask for regular updates regarding the progress of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation