BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has garnished my check from a debt in XXXX which I was given a 1099C in which I had to file on my taxes which I sent a copy to them 3 times with the last paperwork being sent certified in XXXX. I reported this issue to them on XX/XX/XXXX they sent me a letter stating that they were going to reopen the judgement and amend to correct my name. My question then if is closed how are adding different employment for me on the judgement which had a place of employment I had never worked. They are sending my information to third parties which they did during COVID-! 9. My information was sent to New Jersey and I get a letter from the state that my PP loan was denied they informed I would have to get a IP PIN to file taxes for the rest of my life. Now on XX/XX/XXXX I get a letter with same case number for HSBC Bank which was on the original judgement now they change the name of the company to XXXX XXXX XXXX XXXX with the same case number XXXX. I'm a over XXXX and work a seasonal job to help with expenses. They have violated so FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

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 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX  ) Account number XXXX 3. ( XXXX  ) Account number XXXX XXXX. ( XXXX  ) Account number XXXX 5. ( XXXX XXXX Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A 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 Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2022-05-28
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from AMEX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and 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 2022-05-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several derogatory accounts reporting on all three of the credit reports ( XXXX, equifax, XXXX ). The derogatory accounts are all past the Maryland XXXX XXXX XXXX. 

The bureaus have been notified yet refuse to remove the accounts. The account are reporting at XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX, and XXXX XXXX XXXX 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

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 2022-03-23
Company: CITIBANK, N.A.
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have told them that I have never had any account with Citibank until recently and that if they could please send me documentation I would take the appropriate steps. They become abusive and threatened to arrest me and that I will be sued in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: GA
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/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax Data Breach and that may have gotten in the wrong person 's hands

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is 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 reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and

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 2022-05-28
Company: Merchants and Medical Credit Corporation, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX sent my debt to a collection agency even though I was making payments on it. They never gave me written notice that the debt would be sent to collections. I received a letter on XX/XX/XXXX from Merchants and Medical Corporations , Inc. XXXX saying that they were a debt collector and I had a bill of XXXX. They also sent me another bill for XXXX. If I am making payments with them and they are on-time payments, how can they send this to collections? It has ruined my credit. 

My online account at XXXX has been removed and have no access to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied by phone in XXXX for a Citigold Checking Account. I gave the telephone representative a code for a promotion that would allow me to earn XXXX XXXX XXXX XXXX ( frequent flyer ) miles if I completed a set of requirements ( such as depositing {$1000.00} and making XXXX bill payments from the account. ) The telephone agent assured me that I was eligible for the promotion and that I would receive XXXX miles once the promotional requirements were met. I proceeded to meet all of the requirements for this promotion. In XXXX, I called back again and spoke with a phone representative ( and a supervisor ) who assured me that I was on track to receive the XXXX XXXX bonus. When I had not received the bonus in XXXX, I called Citigold and was told that I needed to file a " dispute. '' I received an email back from Citigold on XXXX XXXX saying that there was not an XXXX promotion offered in conjunction of the opening of my account. I called Citigold back on XXXX and was told that they did not dispute that the agent had told me I was eligible, and that agents had been telling various people that they were eligible, but that the agents were mistaken and that people needed to have been specifically targeted for this promotion. I asked how the company could mislead investors this way and whether or not this was a " bait and switch '', but was told that all they could do was re-submit my complaint to their " back office. '' I asked to have the recorded calls that I have made with Citigold pulled for review, but the agent said he did not think he could do that. Citibank has profited from holding my money and from orchestrating my financial transactions, yet refuses to deliver the bonus that they agreed to when I opened this account.

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 2015-12-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
In XXXX 2015 I received a form letter concerning a change in my Macy 's account ; specifically, Macy 's was closing my American Express store account and had selected XXXX Bank as their preferred credit provider. When I had not received a new credit card by early XXXX, I visited the local Macy 's store ; they suggested I write to the issuing organization XXXX about my missing card. I sent a letter on XXXX XXXX to request information and the new credit card. As of this date I have not received any response to that letter and still have not received a new credit card. I am concerned that a credit card in my name is still missing and have not been able to get any information from Macy 's or the Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: NV
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: CA
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-03-20
Company: Experian Information Solutions Inc.
State: MO
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 NUMEROUS 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 XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX : {$25.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/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 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I deposited {$26000.00} into my savings account. Bank of America BOA said the funds were available, but overnight they emailed me and said they are putting a hold on the funds. XX/XX/2022 I went to the XXXX California branch and requested they release the hold. 

I then received an email stating that they are releasing the hold. 

On XX/XX/2022 I was going to use the funds and the bank app and a call to their customer service center said the funds are not available. They said they can hold it as long as they want. I checked the bank that I drew the funds from and the funds left my bank on XX/XX/2022. 

I called the XXXX California branch, and the person answering the phone stated to me that I can not access my funds and I am contacting the wrong person. 

I requested a call from the branch manager who was initially helping me and he refused to connect me.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: AL
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:
Re : Discover Bank : Account # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, regarding their inaccurate reporting and refusal to remove an account from my credit report. 

Background : For several months, I have been diligently corresponding with Experian to rectify an issue with the reporting of an account on my credit report. Despite my repeated attempts to dispute the accuracy of the reported information, Experian has consistently refused to remove the account, which is now impacting my creditworthiness and financial standing. 

Details of the Complaint : Inaccurate Reporting : Experian has continued to report the account 's payment history as being in collection every month, even though the account has been closed. The account 's payment history should not have been reported further after the account closed. This inaccurate reporting misrepresents my creditworthiness and financial situation, potentially affecting my ability to secure loans, obtain favorable interest rates, or engage in other financial transactions. 

Failure to Correct Inaccuracies : Despite my best efforts to provide evidence and supporting documentation proving the closure of the account, Experian has neglected to take appropriate action to remove the inaccurate reporting. This refusal to address the issue is in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. 

Adverse Impact on Creditworthiness : The continued reporting of the account as being in collection has had a significant negative impact on my creditworthiness. I have experienced numerous adverse consequences, including difficulties in obtaining credit, securing favorable terms on loans, and facing higher interest rates. 

These actions have continued despite me providing proof from XXXX themselves that the account had been closed and should not be reported as a collection account each month.

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