BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: MI
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-17
Company: EQUIFAX, INC.
State: FL
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  account # XXXX, has violated my rights.15 USC 1681 section 602 states I have the right to privacy.15 USC section 604 A section 2 : it also stated 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 an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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:
This account does not belong to me. 


15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-09-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
An attempt to open an American Express credit card using my information was made on XX/XX/22. I received an alert from XXXX XXXX and I contacted American Express. I reported this was fraudulent and was told this would be removed in 30 days. As of today XX/XX/22 the inquiry is still on my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened the XXXX membership account and the XXXX representative talked me into applying for a XXXX XXXX Citi XXXX card. A few months ago. I purchased {$190.00} worth of groceries at XXXX. As soon as I got the bill from Citi, I wrote a check for the entire balance ( {$190.00} ) placed it along with the bill stub in the return envelope and send it off to CITI. About a week later I started getting notifications from CITI saying that my due date was coming up and that I better pay my bill. It confused me because I remember sending them a check. I looked at my records and sure enough I had sent them a check. I got on their website, and it said I had one more day to pay my bill. The website showed my balance as being {$190.00}. I figured the bill and check must have gotten lost in the mail or something. I waited until the day before my bill was due, and still the balance was at {$190.00}, So I figured I'd better make a bank transfer so I didn't jeopardize my credit. I set up a bank transfer with my personal checking account and transferred {$190.00} into my Citibank account. So my bill would get paid on time. Then the next day I get a notification saying that my check had cleared and I have {$190.00} credit on my account! I called citi and explained that I had paid twice, once by check, and once by bank transfer, because Citibank kept sending me daily notifications that I had to pay my bill! The customer service agent said there was nothing they could do except request a refund. I said I wanted them to refund the {$190.00} back into my personal checking account where it came from immediately. They said there was nothing they could do for at least 14 to 28 days. I said it wasn't acceptable to hold my money for two weeks to a month and that they needed to refund it sooner. They said too bad there's nothing we can do. I feel citi is running a scam operation trying to get people to pay twice. I have an excellent credit score and pay all my bills on time. What CITI bank is doing is unacceptable. 
Thank you, 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 monetary relief
Consumer complaint received 2023-11-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a collection notice from Transworld Systems INC. seeking to collect an alleged debt of {$120.00} claimed to be owed to XXXX XXXX. 

I immediately disputed this debt by sending a validation request letter to Transworld Systems INC. asking for verification of the debt and proof they are licensed to collect debts in California. 

Transworld Systems INC. responded stating their XXXX  debt collection license was " pending '' but provided no license number. 

I sent a follow-up letter on XX/XX/XXXX, requesting written proof that Transworld Systems INC. had submitted its license application in XXXX  by XXXX XX/XX/XXXX deadline to operate legally during pending status. 

Transworld Systems INC. failed to provide any response or documentation validating that their license was properly applied for in XXXX  by the legal deadline. 

After waiting for the requested timeline, I sent a final notice on XX/XX/XXXX, informing Transworld Systems INC. I still disputed the debt since they can not prove valid licensing. They did not reply and continued collection efforts. 

I request a full investigation into Transworld Systems INC. and their lack of valid XXXX  debt collection licensing while attempting to collect on this disputed account. Their practices appear unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card was stolen unauthorized transaction of a total of {$1900.00} was made.I had gotten a check from the irs and then suddenly someone used it on a betting website XXXX  I have contacted Bank of America I made a claim I want it to reimbursed my account was seized I changed everything from passwords to locking my card and requesting to get a new debit card. I have a pending date until to hopefully return my funds back to me. I contacted Bank of America they told me I have to wait 10 business days until then the fraud claim was made on XX/XX/2023.

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 2019-06-28
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Lobel Financial Auto Loan is reporting inaccurate data on my credit report, and will not fix the errors. 

See below. 

I am disputing Lobel Financial Auto Loan reporting on my credit report. See below and attached documents. 
Payments made were 45 months not 42. ( late payments were still paid ) Total Payments = {$12000.00} not {$8100.00} My payments were {$280.00} a month. {$280.00} X 45 = {$12000.00}. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have been denied the right to request validation of the debt. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Sent dispute letters to all three credit bureaus requesting deletion of inquires on XX/XX/2021 also called XX/XX/2021.

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 2021-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: BYL Collection Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. I start a lease application I never completed, but my guarantor did. I never pay the Application Fee neither deposit ; I never signed neither complete the documents. The signature they have is my name that the system Auto-Filled once I open the box to review the info of the lease and stop the process from completing.

2. They told me that if I did not pay the Application Fee before XX/XX/XXXX, I wouldn't be with any responsibility for the lease.

3. On XX/XX/XXXX, without me paying anything ( application fee, or deposit ), neither completing the signing of the contract, XXXX XXXX charged me with {$2000.00} by phone.

4. On XX/XX/XXXX BYL Collections send me a bill without any description of what was for the amount were XXXX  had assigned me a total balance of {$40.00} for XX/XX/XXXX to pay. I thought it was the entire balance I have to pay to end the misunderstanding and not the previous {$2000.00}. I paid the amount.

5. On XX/XX/XXXX, BYL collections agency to contact my brother without billing or contacting me first to notify me of a new total balance of {$3800.00}. Saying that because they had received a payment of {$40.00} in XX/XX/XXXX, they were authorized to charge this new debt. They hurried him to give his credit card information by phone. They had called him three times now.

6. I have never received a call from BYL collections stating the amount they tried to charge to my brother. I never received, even though I asked for, a proper bill stating the debt they say I have with them in XX/XX/XXXX. Neither the bill from BYL I received on XX/XX/XXXX stated as balance the amount of the three months they argued I owed them by that time. They misled me with an undescribed payment of {$40.00}, and now they are claiming that is the payment that makes valid that I had a contract with them and that I owed them {$3800.00} until now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had a loan with Huntington bank called XXXX XXXX XXXXXXXX I went to the bank to make the payment they told me you had to have a account with them to make the payment. I had a account they closed it. I open a account on XXXX XXXX I Zelle me over the payment amount. I checked the account on XXXX XXXX payment still sitting there I called the lady I spoke to put the payment through gave me a confirmation number. I got a email saying thank you for your payment. On XXXX XXXX I got a email stating they reversed it. Got another email saying payment unsuccessful. I called spoke to XXXX he said on XXXX XXXX XXXX closed out the bank account so the payment was reversed and a check is being mailed to me. I was lied to on XXXX XXXX that payment was all set. Now I have to wait for this check to come back to me so I can pay them. This is hurting my credit. I cant even look up this account online or call and listen to my transactions. This is not right. I made the payment on time even spoke to a rep and was told I was all set then 2 days go bye and account was closed so they send me back my payment. I have had so much trouble with Huntington over and over again.. I spoke to the Fraud department XXXX XXXX was told from XXXX that Fraud department closed out my account and I had to go to collections. I should not be in collections all payments have been on time. This matter has been getting worse and Huntington does nothing. But blames you and sends you to collections. This is unfair under the Fair Credit Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights.

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission

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 2022-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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:
There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 2022-09-18
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Posted a XXXX XXXX for sale on XXXX XXXX. Was contacted by a " buyer '' to upgrade to a XXXX XXXX XXXX. 

Used Huntington Bank mobile app to make a total of {$2000.00} in transfers on the assumption it would be " refunded '. Upon realizing this was a scam submitted a fraud complaint to Huntington and the fraud was declined and I have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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