BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted XXXX ( the data furnisher ) in writing via XXXX certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to XXXX  on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to XXXX on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to XXXX XX/XX/2023 ). As of today, XXXX has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citizens bank is advertising a XXXX bonus for opening a deposit checking account ( any checking ) and depositing over XXXX within 60 days of opening for a XXXX dollar bonus. They also advertise up to XXXX dollars for debit card purchases. I opened my account with them on XX/XX/2023. They said they pay 4 months after opening. I should have been paid XXXX XXXX. or at least at the end of month ( XXXX XXXX ) as advertised. I have met all requirements. Instead when I call them to inquire they leave me on hold, hang up on me, and promised me to correct my account with the deposit, but they did not. This is unacceptable and false advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX XXXX gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Used $ XXXX  HELOC to purchase home onXX/XX/XXXX. Flagstar Bank drew the full line to close the purchase, then on XX/XX/XXXX drew another $ XXXX  without notice and marked my account. Then onXX/XX/XXXX they reversed the second draw. This has made my refinance process a nightmare because i have to show that there were no draws on the HELOC in the past 12 months but they have refused to fix this error in their records of my account activity. I may not receive my refinance because of their error and unwillingness to fix it.

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 2023-10-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX 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 2023-08-04
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Us Auto business was closed back in XXXX n transferred loan to Westlake.Westlake does not not the contract between us auto and I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In response to CFPB:XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX , FL XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit file. The item Im disputing is a late payment, as reported by XXXX. 

This delinquent account record is inaccurate because in XX/XX/XXXX and XX/XX/XXXX fraudulent charges where made which followed to XX/XX/XXXX. They have charged me for that with interest. Whatever payments I was making was for fraudulent charges, on XX/XX/XXXX there were a lot of charges made on that month you charged me for. the money they said i owed for XX/XX/XXXX, I did not owe. They owe me money when those payments would be unsure of because of interest charges on the unclear amount.i did not owe october because they didnt know what I owed for XX/XX/XXXX. I had fraudulent charges in which they agreed to in their investigation. they are focusing on the wrong stuff. Furthermore, I need a proper reinvestigation into this matter, because what they are replying to has nothing to do with my dispute.. I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent.

I have included copies of them agreeing to credit my account back for charges made in XX/XX/XXXX month ( in which theyve recorded i did not pay for charges that were not made by myself.

Please investigate this matter and correct the disputed item as soon as possible.

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 explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 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: 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
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:
XXXX XXXX  XXXX had asked me a couple of times to update my profile with them which I always did. I was later informed that my SSN is already being used by another of the bank 's customer in a different state. I provided the bank with my SSN card, XXXX XXXX, and a government issued ID for update purpose. However, I was made to understand that the other customer using my SSN had opened a credit card account with my SSN which led to the reason of my filing a report last year on this platform. I contacted the Social Security office to make a complain and I was advised to file a report with the local police dept. which I did. I also contacted the three bureaus. On contacting Equifax, Equifax confirmed that the information I provided did not match the one in their records and asked me for more documents for further identity verification which I did. Last year ( 2019 ), Equifax sent me a mail stating that my SSN belongs to a deceased person after faxing my documents to them for the umpteenth time. Equifax is NOT helping to fix the problem. Equifax has declined dissociating XXXX XXXX XXXX from my SSN. Equifax has declined identifying me with my full and correct legal name after all requested verification documents have been faxed to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Aldous & Associates, PLLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received my first letter from Aldous & Associates P.L.L.C on XX/XX/2021. 

I responded with a validation letter on XX/XX/2021 via US mail certified mail with a return receipt. Asking for Validation of debt and also asking for them to only contact me only in writing. In my letter, I specifically asked for communication in writing. See below ( 1 ). Also, in the letter, I asked for Validation which they never sent me. See below ( 2 ). I sent a second letter on XX/XX/2021 via US mail certified mail with a return receipt verifying I have never received the valdiation and again asking for communication only by mail. Yet, I still am receiving phone calls from Aldous. 

As of XX/XX/2021, Aldous has called my phone 2 -3 times a week. I know this because I have a recording of every phone call via my answering machine. I have had between 10 - 20 phone calls after asking them not to contact me by phone.

( 1 ) " In writing, I would also like to request that your offices make no telephone contact to my home or my place of employment. However, suppose your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties. In that case, it will be considered harassment, and I will have no choice but to file suit. Therefore, all future communications with me MUST be done in writing and sent to the address noted in this letter. '' ( 2 ) '' As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on XX/XX/2021. 
Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests. '' As of XX/XX/2021, Aldous has ignored my request to communicate by writing and has harassed me by phone on multiple occasions after asking in a received letter twice. Aldous also as of XX/XX/2021 has not validated my debt per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, Transunion XXXX XXXX has all types of different names on my account. previous addresses that I did not give authorization or consent for them to report to my credit. As a consumer this is violating me and my personal information. I demand for XXXX, Transunion and XXXX to delete ALL MY PERSONAL 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
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Company keeps veryfing innacurate 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 explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
According to per 15 USC 1681 I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER 15 USC 1681XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: DC
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:
To Whom it May Concern : My complaint is in regard to Experian and there inaccurate reporting and incomplete investigation of my dispute. Initially, I thought my issue was with XXXX. However, after writing XXXX and speaking with their legal department, they informed me that they indeed were reporting my payment history accurately and advised me to open a dispute with Experian to have it corrected. I had thought all this time that I had missed a payment! But I know that my payments were set up to autopay. In that moment, I realized that they had opened and closed my dispute with no real investigation. I went to check how the late payment was reporting on the other two reports through my Experian account and to my surprise, there was no late payment on XXXX and XXXX. XXXX had responded correctly that they had reported it accurately. Experian is the only agency reporting the information incorrectly after opening and closing my dispute as quickly as possible and with no resolution. This negligence has inconveniently negatively impacted my credit score in challenging time in our country, where having access to credit can make or break you and all you hold dear.

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 has violate my rights. 
15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state 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 2020-12-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
To whom it may concern.

I had two money orders that were purchased on 4/21/ 2016. At the date of purchase, the teller at TD bank guaranteed me that they did not expire. As long as I didn't lose them, I could deposit them whenever I needed. I put them away for emergency. 
On XX/XX/XXXX I wrote one of the money orders out to my friend to deposit at her bank because i owed her money Her bank said they could not deposit it because they needed the bank it was purchased at to reissue it. 
On XX/XX/XXXX I took the two money orders back to TD bank to get them reissued. Instead of reissuing them, the teller deposited them and said to see what happened since after 3 years they get stale dated. On XX/XX/XXXX the money was deposited into my account and showed on my available balance. I also deposited XXXX $ at the ATM into my savings, while i was waiting for the money orders to go tnrough. After the money was authorized and available into my account, I then transferred XXXX $ of the money order into my savings because the minimum they require is XXXX XXXX On XX/XX/XXXX after the money was authorized, they just took the money out and charged me two XXXX $ transfer fees. Prior to this, no one from TD bank told me that after 3 years money orders get stale dated and goes to the state. Also, nowhere on the money order does it state any date of expiration. I dont understand why they would deposit the money orders, authorize the money into my account, then 3 days later return the money and charge me a transfer fee. This has been a very stressful ordeal and it seems like TD isn't helping me or being clear about where my money is and what two do. It even says on their website that money orders do not expire. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to submit a formal complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, EXPERIAN AND XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, EXPERIAN AND XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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