BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: Malen & Associates, p.c.
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:
Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both XXXX XXXX XXXX as well as XXXX XXXX is not my legal name. The nature of the information concerning these accounts is also inaccurate. I have made numerous disputes with XXXX XXXX to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as my apostille birth certificate bond. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by XXXX XXXX XXXX XXXX XXXX BANK and/or XXXX XXXX. The debt collectors MALEN & ASSOCIATES as well as XXXX XXXX XXXX XXXX are utilizing this false information for personal gain. These debt collectors claim to represent these credit card companies but in fact they have purchased these debt obligations in an attempt to collect on them. XXXX XXXX XXXX XXXX in particular claims to represent XXXX XXXX by way of a default judgment in a XXXX XXXX XXXX XXXX yet is unable and/or unwilling to join themselves to a XXXX XXXX Supreme Court case where XXXX XXXX  is named as a potential creditor. This is index # XXXX. The fact that XXXX XXXX  and/or XXXX XXXX XXXX XXXX remains unable and/or unwilling to collect on a default judgment rendered almost four years ago speaks volumes to the frailty of said judgment as their claim is also subject to collateral attack. I reserve my right to pursue any and/or all offenders to the fullest extent of the law. I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Nordstrom lowered my credit limit from {$7500.00} to {$1000.00} without notifying me in violation of federal law. When I looked at my credit report and saw this decrease, which had a negative impact on my credit score, I called them and asked them why they had decreased it as I had received no notice. The representative informed me the limit was decreased due to inactivity. I informed her that I never received any notification that it would be decreased, and explained that previously when Nordstrom had threatened to do this, they sent a letter notifying me and I subsequently called in and told them that I did not want the decrease, and they kept it the same. In this case, I informed her I never received anything. She told me that something was sent, and I requested a copy of it. She could not locate or produce anything to provide to me, and when I asked about why not, she went to speak with her supervisor who said Nordstrom was not obligated to send me any notice. She said they were only required to send notice if an account was being closed. When I explained that had not been the previous practice ( as I had previously received notice that the limit was decreased ) she expressed ignorance to this practice. I said it made no sense that they would inform a consumer of their account being closed, but not that the credit limit was decreased, which had an adverse impact on my credit score. I told her federal law requires consumers to be notified of any action that might have an adverse impact on their credit score. Adding insult to injury, when I requested a credit increase I was denied and told it would not increase unless I made months of purchases on the card, which is extremely predatory. I never received notice that the limit would be lowered, then when the limit is lowered ( which decreased my credit score ), I am told the only way to increase it is to make purchases with the card for approximately nine months. This lack of notification, which violates federal law to inform consumers of adverse action impacting their account seems design to engender additional credit debt in a predatory fashion is egregious, which is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date reported XX/XX/2021. 
I had debt collection from CitiBank for XXXX $ and I have paid this amount ( as soon as I got this notice ) to collection agency. 
I owe nothing right now to CitiBank. 

I had financial struggle at that moment, since that I have never had an issue with debt collections. 
Also I've tried to contact CitiBank support with no luck. 

Nowadays this negative mark hurts my credit report.

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 2020-10-15
Company: Experian Information Solutions Inc.
State: MD
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've made several attempts with Experian in a attempt to report my score accurately my latest attempt was on XXXX. Between the XXXX reporting agencies Experian XXXX   and XXXX  my score is up to a XXXX point difference with XXXX  and a XXXX point difference with transunion I'm being told its because the use a different scoring model from the other credit reporting agencies and refuse to investigate. I can understand a up to a XXXX pont difference which is still unreasonable for anyone but XXXX and XXXX point differences is outrages for anyone something is obviously wrong hear. Under the Fair Credit Reporting Act credit reports must be done fair and accurately please investigate I need this problem fixed so that it will not negatively impact my credit.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: KY
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:
Mulitple Late payments that can not be found with XXXX XXXX. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was a victim of ID theft and my account with BOA was compromised. I was not given information about the reason why my account was closed or what had taken. The account says suspected of Fraud activity and was never determined. 

Closure status date : XX/XX/2019 Original charge off amount : {$280.00} I reached out to BOA to reconcile the situation via mail and never received anything back.

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 2019-04-19
Company: EQUIFAX, INC.
State: CA
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:
many fraudulent accounts are reporting under equifax credit reporting agency, i have disputed several times and even with a police report stating the fact that i had been a victim of ID theft. but they are not belong helpful at all, and when calling them every single time they are asking verification and have answered all the questions they are saying that i was not verified and i have no way of finding out whether or not what the situation is about my disputes and fraud accounts. please let help me out, your are my last hope, i receive Social Security Income and these fraud account are giving me headache, they are about to cut off my SSI, and i have no way of proving that these were fraud account. because quifax is not helping me in any sort of way. i need to proved the clean equifax report to the administration in order for my SSI to be  continued. 
i beg of you to help me so i wont be homeless. 
thank you for your help, i will be attaching my police report and the FTC report and the letter explaining what i have sent equifax thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello there, A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX or XXXX of every month depending on how long the month was. 
On XX/XX/XXXX  XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX of XX/XX/XXXX  and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX, MyFICO and XXXX that I had a high balance on my XXXX. I immediately contacted XXXXXXXX told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on Transunion and XXXX. I lost XXXX points on XXXX and Transunion but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. 
Today XX/XX/XXXX  they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, XXXX  and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. 
Id really appreciate it if something can be done about this since XXXX is completely incompetent and has refused to do their job. My fico and XXXX scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team Thanks, 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 2023-03-24
Company: ACIMA CREDIT, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX XXXX retained an XXXX XXXX with my identity. Acima helped to allow this and are now uncooperative in getting this resolved. They refuse to remove this fraudulent account from ALL of my credit reports. Even though I have an email from them stating that it is indeed fraudulent. Meanwhile it appears as though I have a {$5000.00} charge off lease with Acima on my credit report. I am now experiencing hardship attempting to obtain an allotment loan, my bank account has been flagged as high risk via clarity a division of XXXX and NOBODY wants to work with me or help me when I am screaming that I have been hacked and my identity tarnished. Acima has also made the process of even attempting to make payments on MY Acima loan impossible, as they have other bank accounts tied into my personal profile and identity. I believe this all lies in the hands of Acima. They need to right their wrongs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 reached out to Captial One XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I had credit cards with them which was included in a Bankruptcy XXXX XXXX and discharged XX/XX/XXXX. The way they have the accounts set up in their system is preventing me getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Back in XXXX of XXXX, there was no announcement that Comenity  Credit Card was going to shut down their payment processes online. There was no way to log in to see what was being billed, there was no way to make a payment, not even by phone. Then when I found out " Easy Pay '' was opened in XX/XX/2022 there was still no representation of statements of bills and no way to know how much was being charged to my account. There was no announcement that the website was back up. As of now, I can see statements, but not all of them are accounted for XX/XX/2022 is missing. I have been trying to make payments and sent Comenity two physical letters from my bank stating the payments were never tried and have not heard back from them on this specific topic. I have been charged for " chargebacks '' saying Comenity tried to charge my bank but it never went through. None of the payments I scheduled went through the day I scheduled them to go through. I have been charged late fees that have added up to over {$200.00} on my credit card. I asked to have them removed, but no response was made until today XX/XX/2022, and was just simply told I did not qualify. Other customers of Comenity were subjected to waived fees and charges. I have reported them to the XXXX, but nothing was done and no reports or changes have been made. 

I have also received a " bill '' in the mail explaining my account was closed due to the supposed sent-back payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2021 I was transferring my Florida XXXX to a XXXX XXXX account and the check got separated from the paperwork. The original check was deposited into a XXXX account ( I have copies of the original check and the XXXX check ) at Bank of New York Mellon. I have reached out numerous times to try to find this check. BNYM Research and Resolution Dept will not talk directly to the public to assist me in finding my retirement money. SOMEONE has the authority to trace these checks and find my money. PLEASE have someone look into this matter. I am desperate to find these funds. It is my ONLY retirement savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-10-14
Company: Lendmark Financial Services
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a letter from Lendmark giving me an offer of {$3100.00}. I called towards the end of XXXX spoke to the manager XXXX XXXX. She offered me options but did not want the letter offer code. She later said I did not qualify but they would honor any letter that Lendmark sent to me. This particular letter had an expiration date that passed so they could not honor it. XXXX XXXX told me that if they send me another letter in the future that they would honor it. 

I did receive another letter from Lendmark giving me an offer of {$2900.00}. I called the local office on XX/XX/XXXX. is spoke to the manager but she did not want to honor the promo code. On XX/XX/XXXX, I put the offer code on their website ( lendmarkfinancial.com/personaloffer ). After doing so the website result stated that the promo code expired. It is not supposed to expire until XX/XX/XXXX. 
It appears that Lendmark is using deceptive trade practices and does not stand behind it's offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
TransUnion has XXXX separate files for me under XXXX separate names. Each file has its own file number. I have tried numerous times to update my personal information. TransUnion has not updated my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief