BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please note, this is not a duplicate complaint and I'm not using any third party for this matter, I have tried to call Experian and asked them to update my personal information and remove addresses from my report that don't belong to me, but Experian refused to do so. 
So I'm sending this complaint because on my report a few addresses that I have never lived. I believe I'm victim of identity theft and my personal information went to the wrong hands, so as a result I got these addresses on my report. 

My current address is XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have lived at this address for more than 7 years. 

Addresses below don not belong to me and I have never lived there : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please do your investigation and verify who these address belong to and remove them from my report.

I have provided my verification information, such as : Proof of Address, copy of SSN, copy of Driver License. 
PLEASE UPDATE MY REPORT TO CURRENT INFORMATION THANK YOU

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 2019-10-17
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including three bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

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 2023-04-24
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 @ around XXXX. to about XXXX. I went to a Bank of America ATM @ XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I used my bank card and deposited {$410.00} in the drive Thru ATM. I completed the whole transaction and the screen prompted me to choice which option did I want to receive my receipt and I choose the print option. As soon as I choose that option the ATM displayed ( The ATM is Temporally out of Service ). I just assumed that the atm was out of paper. I checked by mobile banking app and found out that my funds were not deposited. I called the Bank Customer Service the next day ( XXXX XXXX ) and spoke with the rep and she stated she could file a claim and I would have to wait 10-15 business days to receive a credit to my account. That is unfair as a customer because it was not me who made the mistake. I called the next day to talk to someone else to see if they can help. This was the atm department and they stated that the earliest that they could do anything with my account would be XX/XX/2023. I have bills that are scheduled to come out of my account and they stated that the would reimburse me their NSF fees but not with my bills NFS fees that will occur by sending my payments back. This is not Fair my atm card lets the bank know about all of the transactions on that card. Why should I have to wait XXXX business days to received MY MONEY that I deposited?

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 2023-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Agency is not licensed to collect in the state of NC. I would like the services removed off credit report with all 3 credit bureaus. 

Amounts : {$2800.00} {$2800.00} {$2000.00} {$380.00} {$610.00} {$230.00} {$210.00} {$50.00} the agency is not licensed to collect in NC. Agency has filed items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I submitted a letter to the CEO of Chase but only received a form letter response which did not address my specific concern. This will be the 2nd time in my lifetime I have experienced this same problem and ironically both times ( 20 years separated ) it was with Chase. The core issue is I will periodically receive text & email alerts to validate charges. When I receive these and I respond no that I do not recognize the charge they immediately cancel the card and reissue a new one. In most circumstances this would not be so problematic, however Chase did this twice to me within a 60 day period and I was traveling both times. I fully understand this is part of their fraud mitigation but it leaves the consumer in peril when traveling. I recommended they should pick up the phone and call the customer to address intervention if they are that concerned about fraud. I say this because the 2nd time they cancelled my card, although I did not recognize the charge I did recognize the business. I immediately called the business and it was a mistake for which they immediately refunded the charge. If XXXX would have just called before cancelling the card it would have saved me a lot of inconvenience. Their form letter indicates they did nothing wrong and fail to provide any service recovery for the inconvenience they created due to their process. I explained in my letter to Chase that other credit card companies call me before cancelling the card and in most situations we were able to mitigate any concerns with fraud without card cancellation. For Chase, it is crystal clear that they dont care about customer service or any inconvenience they create for the customer. They will just say it is their process. I tried to convey that other banks are more customer service oriented and their company should reconsider their process. All I receive are form letter which I presume are computer generated so the fact is that Chase is doing nothing to address this problem. I believe they should be required to indicate up front boldly the risks of using their credit cards if this is going to be your sole credit card because there is high probability they will cancel the card and if this is done when traveling, for example, it becomes very problematic. Chase could care less about customer impact so there should be an effort to provide warnings to consumers relative to their business practices of immediately shutting down the card instead of having a more proactive approach of contacting the customer directly via phone. As stated, other banks are more proactive so companies like Chase should have more stringent disclosure requirements to protect consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had repairs done on my home out of my own pocket, the insurance company did inspections and released the funds to me. I sent checks to PennyMac Loan services because they hold the mortgage. They are now saying they won't release the funds or schedule an inspection so i can finish the sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had applied for unemployment for the XXXX XXXX relief but never received a card for the XXXX XXXX relief but I received paperwork that I used it and even a XXXX for taxes I burly found a way to find out if I could receive my money that was issued to me by the government so here I am trying to see if it's possible to get what was granted to me since someone else used it like if it was there money XX/XX/2020 is when they received the money and I don't know how long they continue to receive 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Bankruptcies that are not mine are being reported when it belongs to someone else I have I have requested many time for a update and validation via certified letters but never been provided anything the inaccurate information is still being reported on Transunion only US BANKRUPTCY XXXX US BANKRUPTCY 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 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX  in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX  in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

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 2018-04-28
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a 20 year XXXX XXXX service member. I have a family of XXXX. My wife is XXXX. I had orders to move to Florida. I lost a substantial amount of income and initially asked about a short sale 3years ago and was told my account wasnt eligible. I found out later by my commanding officer that I should be eligible since the orders forced me to move. Citimortgage finally agreed. I have had 3 offers submitted at their asking price. The first offer at the last minute they changed the price and I lost that buyer. They have since raised the price to XXXX which is inconsistent with other short sales I the area. I feel as though they are discriminating against me. Why would a buyer expect to pay full price on a short sale. I am asking they reevaluate the price point also there needs to be some accountability for timelyness. They took so long to approve the offer that I lost 2 more buyers. I think they are trying to force me into foreclosure.

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 2019-10-17
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have issued a check from my checking account for {$10.00} payable to elementary school. 
My checking account has enough balance but check was declined with reason account frozen. School has issued a debt collection letter for {$10.00} + {$30.00} fee = {$40.00}. 
It was so embarrassing for declined check of so small amount + costed me {$30.00} fee. 

Upon contacting Citi bank, I was told that even though checkbook was issued by Citi. It is citi policy that check should have been activated before using hence auto declined. 

Contacted Citi bank via online chat on XX/XX/XXXX at XXXX CST. I was on chat for hour with 90 % wait/hold time ( Citi should be able to check thr record ). such a poor customer service

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 2023-08-12
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have received multiple letters from XXXX XXXX and XXXX in attempts to collect an alleged debt where Santander is listed as the original creditor who sold the alleged debt to these companies. I need a copy of this vehicle loan agreement that I originally signed sent to me within 21 days of the receipt of this complaint. I also need the date that the alleged debt was written off by Santander sent to me within 21 days of the receipt of this complaint. Note : No information included in this complaint shall be used in any attempt to collect a debt. Should my information be used as such, I shall lawfully pursue Santander for breaching my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CHECK INTO CASH INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my XXXX  report a credit inquiry XX/XX/2019 from the following. 
Check into Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX I didnt apply for anything credit or cash Called phone number got automated service left message received no call back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 
Who is going to govern these agencies?

By 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. 

XXXX  - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data 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 2023-01-07
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:
I took a personal loan to pay off some credit cards, but did not close those accounts. The credit on those cards is still available. The credit bureaus are lowering my credit score, even after I now have more availability. The credit scores should increase. This needs to stop.

Company response to consumer: Closed with explanation