BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per this complaint that I orginally sent on XX/XX/XXXX then again on XX/XX/XXXX requesting that inquires be removed from my credit report that arent mine then i get a notice dispaute completed nothing corrected so i file another com0lant stating that then I get a respond that it couold take 60 days so today XX/XX/XXXX I went on experian web site to see what they have done and they havent reoved any inquirinies but the updated to tings that I stated werent mine and it states they were told they were where is the proof i need a signed contract from world fiance and I also need something from Traget a print out of all payments and fees they charged me. I requested this 3 years agao and still them same thing. At this point maybe I need to contact the XXXX and file a compliant on all of yall because nothng is getting done along wth breaking the law. 
I have attached the inquiries that are still on my report along with that part of the report. also Experian wouldnt let me dispute anything on webite inquires I tried also they have my ame wrong, addresses, social and phone numbers. 
Here are the following still on my report once again 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 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 2023-09-06
Company: Nelson Cruz & Associates LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After checking my consumer credit report from XXXX, I found a collections account from Nelson Cruz and Associates with an account # : XXXX opened on XX/XX/23 with a balance of {$250.00}. I've never done business with Nelson Cruz and Associates therefore, could not be liable for this debt. This alleged debt is not mine as I never entered into a signed agreement or completed an original contract with Nelson Cruz and Associates. I never provided any written consent or permissible purpose for this alleged creditor Nelson Cruz and Associates to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONSENT to pull my consumer report. This is a violation and also constitutes as identity theft - " 15 U.S. Code 1681c2 - Block of information resulting from identity theft. '' Furthermore, this company has been attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 U.S. Code 1692e that you are implementing yourself. 15 U.S. Code 1692e states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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, I was at home when o got an always from my online banking app that my account was low so I checked my account with the online app and I saw a withdrawal from an atm of {$300.00}. I did not make this withdrawal. So I called the Bank of America fraud department and also filed a police report with the north side police station. On XX/XX/2023, the bank temporarily deposited the {$300.00} that was stolen. Then on XX/XX/2023 the bank reversed their decision and stole {$300.00} out of my account without telling me. They said they reversed their decision because the atm was in my jurisdiction ( which is a horrible uninformed decision ) Meanwhile the police have a screen shot of the woman who stole my money. The police know Im innocent and they know someone else is responsible for stealing my money. The bank made the wrong decision and its negligence on their part. Im still trying to get my money back from the bank. There is a police report about the incident where the woman stole {$300.00} out of my checking account somehow. The bank stole {$300.00} out of my checking account and has not given it back.

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 2023-07-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX  XXXX XXXX XXXXXXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I dont even know this company XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: FL
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 notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but XXXX 's site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

XXXX Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts Experian also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.

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 2023-08-02
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer via email ( attached ) on XX/XX/23 to earn XXXX points on my TD Double Up credit card for making 5 digital wallet transactions by XX/XX/23. I completed those five digital wallet ( XXXX XXXX ) transactions on XX/XX/23 but have not received the bonus points despite waiting well past the terms of the promotion that said " Bonus Points will be deposited within the next two billing cycles after the promotional period is completed. '' I sent a secure message on XX/XX/23 requested the missing points be credited, but did not receive a reply. 

I followed up via another secure message on XX/XX/23 and received a generic message about how to manage my reward points online and not addressing the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 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. 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 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 2018-12-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XX/XX/2018, I made an online payment with Citibank for my Universal Card. I  received an email with confirmation number XXXX that the payment was made successfully. I owed {$2.00} and paid {$3.00}. Citi said the payment confirmation is a " pending '' or something like that, which is not stated on the confirmation. 

On XX/XX/2018, I received an email from Citi requesting a call to them about collecting a debt of {$25.00}, which was the {$2.00} plus a {$25.00} late fee. They said my bank XXXX could not process the payment because the account number was entered incorrectly or something. 

I went to the website to determine what was going on, but it would not let me proceed to any screens without making a payment, despite the fact that I was disputing that I owed them any money. I called them but could only get their debt collection section not regular customer service. Debt collection could only process payments and not address any other issues. 

I recorded the phone call with citibank and spoke to 3 different employees. I requested they not call me about late payments. I was told their policy is that they would not call me about anything including fraud. I stated they could not place me on a blanket do not call list because I wanted fraud protection and that they were required by federal law to protect my card from fraud. They refused. I was told they could send text alerts about fraud. I was told they could not guarantee that I would not text about other issues, when I asked about receiving texts only for fraud. 

I requested a copy of this policy and was told they did not have to provide it as a matter of Georgia law. I stated they did have to as a matter of Federal law if they are breaking the law. 

I asked about removing the late fee, when I had a confirmation that I had paid. They refused. I said that was a violation of the credit reporting act. I said it was a violation of State of Georgia law as well. 

I tried to review the data online but their site did not allow me to do that nor edit the data, so I added the account again and paid them the minimum it would let me pay which was {$5.00} on XX/XX/2018. They said they make the phone call so the account is not past due, but they did not call me until the account was 6 days past due. 

I should not be forced to pay any disputed amounts, until a determination about what happened and how it happened is completed.

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 2023-11-22
Company: PNC Bank N.A.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The. Collection tactics used by the XXXX XXXX XXXX XXXX XXXX and its servicer XXXX XXXX XXXX included an action in court to have a signature of my daughter affixed because it was not notarized on a document from 2005 and a concurrent foreclosure warning asking me to submit information when said action could not be pursued and was sent to harass me when the 2005 HELOC contract action is known to be time barred. These tactics are in violation of federal regulations protecting consumers from being harassed by collections agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
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: Their investigation did not fix an error on your report

Complaint:
I am the author of this complaint. I have mailed the attached letters to the CRAs disputing the completeness and accuracy of the following accounts that are reporting on my credit report. I am asking the CRAs to view the attachments and send the results of their investigation to me by mail. The following attachments has already been served via certified mail with a return receipt and I am just further documenting with the CFPB Delete Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Update Late Payments to 100 % paid on time : XXXX. XXXX XXXX XXXXXXXX Delete Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, personal XXXX  Finance, personal XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-02-17
Company: Phoenix Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First and foremost, I am a federally protected consumer. This company has repeatedly called me ( I have proof ) and sent me a letter in the mail. Not once did I disclose my personal information nor my abode to this company so this company has violated my privacy. This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is in violation pursuant to 15 usc 1692b ( 2 ). This is a violation of my consumer rights under the FDCPA. This company has called me 4 times between XXXX and has sent a letter. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 5. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told XXXX, Transunion, XXXX to reinvestigate these accounts ; Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However they stated everything was complete and accurate. But how is that possible if open date, dateof last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 section 602 A. States I have the right 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 instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any 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. Also they aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case.r

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Someone opens a line of credit using my information on XX/XX/2022. 
The line of credit was opened with XXXX, thus incurred a hard inquiry and credit limit of {$3900.00}. 
I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.

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 2019-09-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In response to a loan offer that came in the mail from OneMain Financial in late XXXX of 2019 my wife responded with a request for an additional {$6000.00} added to our existing loan of {$2600.00} in order to help us through the summer. 
On XX/XX/2019 my wife contacted Ms. XXXX XXXX, Sr.  Personal Loan Specialist from OneMain Financial, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, North Carolina XXXX. On the phone Ms. XXXX discusses with my wife providing us a new loan on our car that would fold in the present loan we have and provide us with a better interest rate. This option was attractive to us because my wife is a XXXX  and does not get paid over the summer vacation. The money would be used to help us make it through the summer and pay down some outstanding debts. 
My wife an I met with XXXX XXXX on XX/XX/2019 to discuss this option and sign the new loan papers. At know time during our meeting were we informed by Ms. XXXX that our existing loan of {$2600.00} would not be folded into the new loan request. We only became aware that the old loan was outstanding when we received a bill on XX/XX/2019 for {$480.00}. 
At present we have two outstanding loans with OneMain Financial, the new loan with a balance of {$17000.00} and monthly payments of {$480.00} and the original old loan with a balance of XXXX and monthly payments of {$350.00}. 
This was not our understanding of the facts of the loan we discussed with Ms. XXXX. We feel very strongly that Ms. XXXX " flipped '' us into a situation that is totally unsustainable. These two accounts will put us under extreme hardships unless we are able to get some relief. The contact information for XXXX XXXX is XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debit of {$100.00} was sent to Trident Asset Management from XXXX, for an allegedly transaction back in XX/XX/2015. I have no knowledge of this site nor ever used it, therefore I dispute this charge. I have received letters from Trident Asset Management with offers to pay it off with big discounts, but the charge is not mine and they never provided proof that it would be mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation