BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-07-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive tried disputing multiple accounts on my credit report.every month since XX/XX/2023. I have previously sent multiple requests to validate my debt with attached account numbers and names Each month, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Under the Fair debt collection practices act I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation and the inaccuracies are still on my credit report. The charge of accounts are falsely manipulating the statute of limitations which is the FCRA violation. Please delete collections, charge offs inaccurate personal information immediately due to the Gramm-leach-Bailey act : Protection of non public personal information 15us code 6801. Negative accounts : block of information 15 is code 1681 C-2, and Accounts verified : Procedure in case of disputed accuracy They have no replied to my dispute its been over 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX. Beginning in XXXX of 2020, I have made repeated attempts to freeze my credit with XXXX XXXX XXXX XXXX by all means available. I tried by phone and I am cut off after putting in requested information. I try at XXXX and XXXX and try to log in as instructed, which includes requesting a new password, and every time I am refused accessed to my account and told to call the previous toll-free numbers for assistance. Every attempt to contact XXXX   XXXX XXXX XXXX is refused. 

I sent a registered letter containing all requested documentation for identification, ( Proof of delivery : Tracking Number : XXXX. Your item was delivered at XXXX XXXX on XX/XX/2020 in XXXX, GA XXXX. Status : XXXX XX/XX/2020 at XXXX XXXX, XXXX, GA XXXX ) and a letter requesting a credit freeze. I have received not response from XXXX  XXXX XXXX XXXX concerning my request. 

I had not problem requesting a credit freeze from XXXX  or Experian. I requested credit freeze on line and both Transunion or Experian complied without any problems. XXXX XXXX XXXX XXXX refuse to allow me to make contact by any means.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-03-02
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I'm a Binance US customer and I have a crypto  wallet with them. I'm unable to access my account. I've contacted Binance customer service multiple times. I was asked to send them a video and voice recording for verification. I informed them that I do not feel comfortable sending a recorded digital image of myself for privacy reasons and asked if there was any other way to verify me without sending them a video and voice recording. The response was that they do not accept any other forms of verification and if I wanted my account to be unlocked only way was to send them a Video of me holding my ID along with me stating the following in the video : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. I confirm that I am logging in from a supported state. ". I believe Binance US can not force people to send them recorded Images and there should be other options for verification. Binance US Customer Support Ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions 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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA 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, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous 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 FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any 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 sus
tained 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. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/1987 Balance : {$5500.00}.

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 explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: CO
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:
Experian and XXXX several times keep violating my consumer rights I never received goods or services from this company. I have told both XXXX and Experian several times that this has to do with identity theft. They have lied several times telling me they have never received my driver 's license or any of my supporting documents. Attached are my driver 's license, social security number, FTC Identity theft report, and as well as police report. This is considered willful noncompliance, discrimination, and false information because, both XXXX and Experian state that they have never received documentation from XXXX, XXXX Please refer to the attached documents and remove the following account from the credit report because this account can not be validated. The reason it can not be validated is that it was a result of identity theft my information was stolen and not used for the benefit of the owner. So, how can this information be valid if, it was stolen and misused for illegal purposes? Also, this account was opened in another state XXXX, FL and I do not have a record of living in this state my driver 's license is from Colorado, not FL ..... 


This is proof that both company 's credit bureau and the financial institution received all documents as requested. They are both required by law and respect my consumer rights these are the damages below that both companies are doing are stated such as : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again an affidavit identity report isnt needed in the process for identity theft block and removal.

7 ) violation of 15 U.S.C. 1692g Validation of debts

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 2022-09-18
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently started to use a chime account I have had for a while because it allows early access to my XXXX XXXX XXXX I found that some how my account is be accessed fraudulently and using my account as they will on a XXXX XXXXXXXX  thats also fraudulent because the account I had was closed due to misuse by other people. Im also being charge by a XXXX XXXX or site that I have no knowledge of. I reach out to them but I got no answer in phone or reply email. I disputed the charges with chime and was giving a provisional credit but before I knew it was there it was sent to someone on XXXX XXXX  and XXXX XXXX I told them that I dont currently have a XXXX XXXX and I dont know this site. They denied most of the disputed charges and reversed provisions that were give. Even tho i never spent any of the credit. I havent allowed anyone access wnd My card hasnt be stolen so idk how this is my fault. Im only living off that right now and they have allow more than if it to be taken at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX. I called Citizens Bank card services and spoke with someone about a late fee I had received. I had asked for a courtesy rebate of the late fee. It was an error. I explained that due to Covid-19 I was an essential working and was working incredibly long hours and simply forgot. I was told they could not rebate the fee. I said ok- I understood. I then received an email asking about my experience. I had explained the situation and said the customer service rep was great- he was doing his job but I didn't feel that for someone who has had the card with them for 9 years and they have never had an issue with my payments etc. that I felt it wasn't a fair decision. I never heard back from that survey email. Then I received a letter that they have decided to close my account now- due to my credit score being a XXXX. I feel this was in direct response to my complaint. In the past 9 years my credit score had been much lower ( due to a divorce and loss of significant income ) and never had that happen. I have never been late on the card and there has never been issue. I called to speak with someone at Citizens Bank XX/XX/20 and was told I would get a return call and never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: World Omni Financial Corp.
State: NM
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Morning To whom it may concern : My name is XXXX XXXX, I have lease not ones before from same institution before, but all my loans have been same institution for many years. So I have a question and hope is a valid XXXX. 

My Payments are do on the XXXX of each month, so I have try to write to the financial institution one twice XXXX times and many mores, My question is simple, my month start on the XXXX of each month, so that been said from XX/XX/2022 to XX/XX/2022 it is a month correct, that institute my month and my agreement when the changes were made correct. 

So each month I also have a XXXX dats, period extra to make the payments correct, Now also when I'm over the the XXXX days, is about a fee of {$40.00}, need to be paid, so if the {$40.00} dollars are over XXXX days still don't constitute a full payment of a the principal correct. 
So the principal each month is {$380.00} of the loan, therefore the late fees is place or move to the back of the loan, and at the end of the lease it should be paid in full correct, so XXXX XXXX, should this be reported to credit buraus as late payment from principal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the FAIR CREDIT REPORTING ACT XXXX  account US DEPARTMENT OF ED has violated my rights under 15 USC 1681 section 602A & 604A section 2 15 USC 1666B View attachments below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Kikoff 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: Account status incorrect

Complaint:
I am reporting all accounts on my credit report that are inaccurate I have no acknowledgment of these accounts I reported this several times and the credit companies still arent removing this off my of my report causing My credit score to be low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am having a nightmare trying to resolve fraudulent charges on my Bank of America credit card account. I have maintained this account for over 40 years, but in the past XXXX months have been receiving multiple charges from a company called XXXX ' - which my wife and I have never done any business with! When I first contacted B of A on XX/XX/2022 they promised to credit me back for the fraudulent charges, and promptly sent me out a new card with a new account number. Within 60 days, we received additional charges from 'XXXX  ' in the amount of {$1000.00}. on the new account! When I called to again contest fraudulent charges, I was told that 'XXXX  ' had the ability to continue charging me, even with new cards/account numbers. At this point, my wife and I had had enough, and asked B of A to promptly close our C.C. account and reverse again the fraudulent charges. I specifically withdrew permission for B of A to automatically pay down outstanding balances from my checking account, opting instead for a final paper bill that we could examine for any legitimate balance due. We were specifically assured that this change was made. 
Despite these instructions, on XX/XX/2022, we awoke to find out that B of A had withdrawn, without permission {$2100.00} from our personal checking account, again for XXXX ' charges that had previously been disputed. This unexpected cash grab caused us to be overdrawn on our checking account, causing even more pain and suffering. When I called B of A on the afternoon of XXXX XXXX to once again resolve the matter, I was on hold for XXXX minutes before a very sympathetic customer representative assured me that she would reverse the charge, only to be disconnected before any changes could be made. Despite my phone number being in the record, no call back was received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022 Citizens bank removed XXXX funds allocated for my bill in my checking accounts for so called offset after they instructed me to make a payment arrangement with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXXXXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation