BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There is information on my consumer reports that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself

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 2023-12-13
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
American Express online banking XXXX mos CD matured XX/XX/23 ( Sunday. ) Their email and letter said call during grace period to close. I called XX/XX/23 ( Monday ) and was told it would take up to 13 days to transfer my funds to my checking account ; and I would be notified by XXXX mail only. I was later told it would be XXXX days. I called on the XXXX day, XX/XX/23, and was told XXXX days was incorrect. My funds will not be released until XX/XX/23. There is no disclosure of this additional 10 day hold of my funds after maturity in any of their materials, from inception to the letter and email stating my CD was about to/ had matured. This is a deceptive practice, and an aggressive way to keep my funds and allow them to automatically renew for another XXXX mos. ( During a second call on XX/XX/23, I was told I could call a few days before maturity to get the new interest rate and give instructions on closure or renewal. I told the representative this information should have been in their email and letter- it was not. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MO
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: EQUIFAX, 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 a victim of identity theft and have tried to resolve this issue several times by calling Equifax but the information remains the same. I have valid police reports to assist and filed a report with the federal trade commission regarding identity theft. I am asking that Equifax removes this information from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter to file a formal complaint. I was contacted by a representative for this account. As I explained to the representative the case was dismissed in court. However, even though it was dismissed in court, without me owing a debt, I did legally live in the unit and paid the rent. I went to the bank, and did research on the check. I found out the cashiers check was never cashed. I had the check reissued, the representative explained that there was an amount owed for XXXX. I explained to the representative, I was not in the unit, and was not paying. A collection agency can not take over from a court of law, I sent in a vacate notice in XXXX. We were in court in XXXX. I am not paying for a month in which I was not there. I asked to speak to a supervisor and spoke to XXXX XXXX. XXXX XXXX informed me, it did not matter what the court ruled, and the company sent this account for collection. I explained to him I am not willing to pay when I was not there and I am not legally responsible. You can not overrule a judge, he told me to check my lease. I again stated what occurred in court, and explained that I would file a bk before I pay for something that I did n't live in. He told me keep the cashiers check, and keep my money. He then hung up. Since that call, I have continued to be harassed by him and XXXX XXXX threatning to sue me. I finally gave them the name of the BK attorney. I know it is illegal and a debt collection company can not override a judge

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received two text notifications from XXXX ( XXXX ) XXXX that I sent a person I don't know - XXXX XXXX - {$3500.00} and another {$500.00} to " Total wirless '' using XXXX. I neither initiated or approved either transfer. I immediately started receiving calls that came in from " Bank of America '' and after about 10 minutes felt like the person with whom I was speaking was trying to walk me through steps to ultimately give him access to my account. I hung up. He called back repeatedly. I am now on hold with BofA waiting to speak to an associate. The first person with who I spoke said the person who previously called did not sound like a BofA representative. While I have been on hold I have received multiple texts welcoming me to XXXX XXXX. I don't have a XXXX account and this is clearly some type of breach related directly to 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 2018-05-09
Company: American Student Assistance
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Sir/Madam : Please be formally informed that neither the US Department of Education not the American Student Assistance has sent me any information about being in default or late on payments. I have never obtained a letter from the latter stating that they currently represent the debt nor a phone call discussing the matter. I have never been given due process to dispute the debt or discuss any solutions with the organization.

I ONLY obtained notice from my part time employer that the funds were being withheld as of the next pay period.

Furthermore, the amount attempting to be collected at 15 % is egregious and will result in major hardship to me. I need to have this matter resolved immediately and I thank you in advance for your help.

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 2022-05-19
Company: EQUIFAX, INC.
State: MS
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged of the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, SD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/2021, XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXXXXXX XXXX : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted documentation to this company on XX/XX/XXXX advising them my identity was stolen and accounts were opened with my information without my knowledge. I provided a FTC report and police report to prove I was a victim. They responded telling me this account was verified. They didn't do a proper investigation providing me with any contract with my signature on it. My federal protected rights have been violated and I'm not able to obtained a vehicle or anything worth having due to these circumstances.

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 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022, Capital one received validation request letters by me the consumer under the authority of the Truth In Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Capital One claims is owed. Capital one failed to provide any evidence of a debt within the 30 days that TILA and FDCPA allows. I am giving Capital one another opportunity to Prove their claim. In the event that this debt is not validated by Capital One as required by the FDCPA they have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Copies of agreements are not evidence of a debt. Copies of statements are not an authenticated record of accounting or evidence of any debt. I am Asking for real proof such as : 1. the original promissory note, front and back, associated with the alleged Loan.

2. any along, front and back, affixed to the Borrower 's promissory note for endorsements 3. all bookkeeping journal entries associated with the Loan.

4. the deed of trust associated with the Loan. 
XXXX the insurance policy on Borrower 's promissory note associated with the Loan.

6. the Call Reports for the period covering the Loan.

7. the deposit slip for the deposit of the Borrower 's promissory note associated with the Loan.

8. the order authorizing the withdrawal of funds from Borrower 's promissory note deposit account.

9. the account number from which the money came to fund the check given to the Borrower.

10. verification that Borrower 's promissory note was a free gift to the Lender from the Borrower.

11. the name and address of the current holder of the Borrower 's promissory note.

12. the name and address of the Lender 's CPA and Auditor for the period covering the Loan execution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Vehicle disappeared without notice from creditor. I do not have any information on this vehicle on who took the vehicle or what happened to the vehicle after it was taken. I did not receive any documentation. Therefore, I would like to have the vehicle removed from my credit permanently. It is hindering my progress in moving forward. It is causing XXXX, XXXX XXXX and XXXX because I have been trying to get this resolved for years. With no resolution or answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This is regarding unlawful debt collection practices of XXXX. XXXX received a court order to have my bank account seized to pay a debt, taking every penny to my name XXXX it was basically enough money to cover rent and expenses for a month ). This was done with no notification. After seizure, I contacted them to know why did they do this after I had told them as soon as I get stable employment I would work out a payment plan. They said they unsuccessfully tried to serve me at an address that I did not recognize. I have been at the address I currently live for more than 10 years and had provided it to them twice, in addition it is my credit card billing address. They said because they could not reach me they posted notice in some newspaper and this is all a judge needed to know in order to find judgment against me. This is illegal according to California Civil Code section 1812.700 - 702.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I got an email from my bank ( XXXX ) stating that there was a negative item on my credit report, and I should check it. According to XXXX, Experian reported a collections account from a company that I've never done business with. When I tried to use Experian 's online system to dispute the report, I only received error messages on their page. I will call them as soon as they are open and complain.

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 2023-01-17
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: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove this negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$4700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00}

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 non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The Fair Credit Reporting Act prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. THIS ACCOUNT WAS DEEMED FRAUDULENT AND WAS REMOVED FROM CREDIT REPORT IN XX/XX/2022.

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 2022-05-19
Company: Colony Brands, Inc.
State: LA
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 accordnce with the fair Credit Reporting Act, Ashro Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection company " Transworld System Incorporated '' call multiple times a day. They use multiple different phone numbers to make it look like it's a different company calling through out the day. Every time I block one number on my phone they call with 3 different numbers. I have not answered and told them not to call yet but I shouldn't feel anxiety  and fear every time a new number shows up. I'm waiting for calls for job opportunities so I have to answer every time they call but there is usually a lag between when I answer and say hello and when they start talking to I usally hang up if someone doesn't start talking right away. Also the voicemails on my home phone are all in robocalling voice. It is never a real person for me to even tell not to call

Company response to consumer: Closed with explanation