BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
Ive written numerous letter to Experian since XXXX XXXX XXXX exceeding my rights as a consumer. I am the original creditor and no one can report anything to my consumers credit report without my written consent. 
I know that Experian received my letters because I sent it with a return receipt and they still have yet to grant me my request. How can Experian keep breaking the U.S.Code? Please send me a copy of my written consent.

Under 15 USC 1681b ( 2 ) - Permissible Purpose of consumer reports in accordance ( 2 ) with the written instructions of the consumer to whom it relates!!

Experian do not have permissible purpose Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Its been well over 30 days and my demand for these items to be removed have not removed at all. 

Experian took information from someone else other than myself and reported it to my consumers credit report. Experian and the companies liable are committing identity theft/fraud. Thats aggravated identity theft! 
( 18 USC 1028 ).

Under 15 USC 1681a ( 4 ) Accurancy and fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy!!!! 

As a consumer, I have the right to fairness of credit reporting! No One can dictate what goes on my report other than myself! 

These are just a couple laws that Experian has broken. 

Experian knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: VA
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 USC 1681. 

Equifax 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 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 2023-02-14
Company: Experian Information Solutions Inc.
State: MI
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:
n 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

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 2023-08-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
After CITI DOUBLE CASH CARD robbed me of {$230.00} by siding with a merchant who promised 100 % customer satisfaction and to pay for return shipping, but did not honor either promise, as I proved with screen shots of the merchant 's XXXX page, I tried to close my account. CITI 's website says that the way to close an account is to call their customer service number, which I did on or about XX/XX/2023, when I asked them to close my account. Since then they have continued to send me checks, and now they have emailed me that they are sending me a new card. I want this to stop. They are crooks, in cahoots with XXXX scam artists, and I want nothing to do with them. And I don't want responsibility for any checks or cards that they send 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 2022-11-24
Company: EQUIFAX, 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:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-05-18
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Union Bank on XX/XX/21 in a local branch and enrolled in a {$300.00} referral offer. The bonus offer requires to complete three direct deposits of {$500.00} or more OR spend {$1000.00} in total on a minimum of ten ( 10 ) purchases with the Union Bank Debit Card Mastercard. I confirm I have already completed both requirements and am waiting for bonus to hit in anytime. However, after almost 60 days of account opening, I received a notification from Union Bank that my login has been locked and my account will be closed on XX/XX/21 due to XXXX. At this moment, the locked login cause great inconvenience as I can not check my balance or download statements to find out my checking account number. Moreover, the date is interesting that after almost two months of account opening and deposit requirement are met, they all of a sudden decide to close my account, just right before they are due to credit me the bonus. I have never seen any bank closes account due to XXXX post-opening, and if there is such case closing account within one week after account opening makes more sense, but definitely not after two months. Therefore, I accept their decision to close my account but I request Union Bank to credit the {$300.00} bonus into my account before they end my relationship on XX/XX/21. I have to seek help on CFPB and hope this problem can be resolved properly. Thanks.

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 2023-07-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX we requested that our cash back total on our XXXX XXXX XXXX XXXX serviced by Comenity Bank be transferred to our checking account on file with the bank. When the money never appeared in our account, I contacted customer service. That dept. suggested I contact fraud which eventually sent me back to customer service. I was told the money ( {$140.00} ) had been transferred. When I asked them to identify the account used they could not provide that information. On XX/XX/XXXX I initiated a dispute. On XX/XX/XXXX I received a letter dated XXXX requesting I call a number provided to resolve my inquiry. When I called I was connected once again to customer service who advised the inquiry had been closed without an explanation as to why. After speaking to several people who offered different speculations as to what happened ( rewards were never processed and they were applied to my account- not true ) I eventually spoke with a CS rep who actually tried to be helpful. He was able to determine after speaking with multiple departments that the rewards were sent to a bank account other than the one we had on file. We do not have other accounts. This rep was able to share the last 4 digits of the account used which do not remotely match our account. The bank claims we have responsibility for this and it is our loss. I initiated another complaint and asked for an expedited resolution. The secure message response to this was that the complaint process is 3 months which means they have failed to provide my rewards for over 6 months. This process has been very time consuming and in my opinion is designed to frustrate the consumer and result in resignation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2017-05-16
Company: Lustig, Glaser & Wilson, P.C.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
ON XXXX/XXXX/XXXX and XXXX/XXXX/XXXX i have recived those summons pertaining to credit card debit, from law offices of lustig , glaser & wilson , p.c . in XXXX ma. XXXX, i was told to call the office and i did and i explained my situation that im in finacial hardship and a dependant living XXXX, they told me to send a written statement saying what i had just said, so i did, i called back to see if they had got the statement, no answer to the question, then they proceeded to tell me to read the summons and sign it, i had told them there was no where to sign, so they said they would send me something to sign ( not telling me what after asking ) i had received it signed notized and sent back, IT WAS A STIPULATION OF JUDGMENT )., i got a letter staying that they never got the stipulation of judement i sent, but i made copies.. I called and they told me dont worry about that., after not getting any answers i called a voluntary law office free of charge to ask a question about this, he told me i should have gone to county clerks office to let them scan the summons in, so, i went on line to the XXXX court portal and found they had won one of them, the other was still open, i went up and had them scanned, And then i got a FINACIALl statement from them to fill out.I had no court date, they just did all this without my knowledge., now i find out the other summons they sent they won, after all i had gave them, a written letter, they requested, a stipulation oF JUDGEMENT i new nothing of what it meant, and now a FINACIAL statement stating that that i failed t make satisfactory payment arragments with them ... they had already won and i had no court case., no knowledge of them even going., i have not filled the finacial statement out, i feel that they did not follow the rules of the law and just decided to do what they wanted without me knowing, i have made a complaint with attorney generals office in mass, and explained it to them, i barely get by .now they do this, getting away with an action i was unaware of., so they won both cases, and i was not present for either one nor did i know of anything else that they did.,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU 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 2023-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and 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 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 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 2022-02-23
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase pro closed my account and will not give me access to my transactions so that i can file my taxes for 2021. They do not respond to emails. Their customer service people refuse to help me via phone. There inaction will be costing me money in fines if i can't get my taxes filed or file the wrong info with the IRS. Please provide me with my crypto currency transaction log. This all started in XXXX of XXXX. Now going on 5 months without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Medical Data 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:
Recently while conducting a monitor of my credit report I discovered that  MEDICAL DATA SYSTEMS INC  #  XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow me to validate th e alleged debt. I am aware that there is a debt from   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ],  to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL-NOVANT HEALTH to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, a  nd HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address li  sted above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as   a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-04-11
Company: EQUIFAX, INC.
State: IL
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 convergent account # XXXX, # XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: GA
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 USC 1681. 

XXXX XXXXXXXX. XXXX : # XXXX, XXXXXXXX XXXXt Bank : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX Bank, 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 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