BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mn XXXX PLEASE DELETE IMEDIATELY!! 
I HAVE FILED A IDENTITY THEFT POLICE REPORT STATING THIS WAS IDENTITY FRAUD I HAVE NO KNOWLEDGE OF THIS ACCOUNT HAVE NOT LIVED AT THE ADDRESS ITS ASSOCIATED TO IT SHOW AS A CLOSED ACCOUNT THIS IS IN COLLECTION/CHARGE-OFF WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT IT IS NOT REPORTING ON EITHER XXXX OR XXXX ONLY SHOWING NEGATIVELY ON TRANSUNION AND I WOULD LIKE FOR IT TO BE REMOVED IMEDIATELY PLEASE. IT WAS ONCE DELETED OFF MY CREDIT REPORT AND HAS NOW SHOWED UP AGAIN AS A CLOSED COLLECTION ACCOUNT AND IS CAUSING ME GRIEF.

15 U.S.C. 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

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 2023-04-21
Company: EQUIFAX, INC.
State: ID
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/XXXX I submitted a claim to Equifax to dispute some items. I called XX/XX/XXXX to request the remove disputed items and close the case as it was over 30 days. Today is XX/XX/XXXX, past 60 days and they still have the dispute open. They said it can be longer than 30days as they reached out, this is past law time period. They need to close the dispute and remove ALL items in dispute as its last 60 days and can not use any information gathered as its far past the due date. 
Dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX there were a card open in my name fraudulently for the amount of XXXX I didnt authorize this card. I have send documentation to JPMCD as this is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Block, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/22 I received 3 credit alerts telling me that Square Capital LLc. ran a HARD credit pull on my personal credit report. I did NOT authorize this and I HAVE NOT applied for any products, loans, credit, or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
unauthorized inquiry dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont know why they are calling me and why they did this inquiries. Maybe a identity style attempt theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I applied to open a checking account with CITIBANK. They approved it and I made a mobile deposit of my tax return of {$1200.00}. The next day I discovered they closed it and blocked any access to my funds. They said it was because of information theg get from early warning systems. I have been unable to reach an to help me understand what that information was. I live in XXXX XXXX Michigan. The closest office is in XXXX, and on top of it being far away, there are travel restrictions in place. I desperately need my money back. Please help. All I want is to move my money out to another account I have at another bank. They refuse to help me in any way.

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 2020-04-03
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email from Citi Card stating my account had been closed and to login to see the secure message. The message read that the account had a {$0.00} balance and is " inactive ''. I received NO correspondence before this closure. I did NOT request or give Citi Card permission/consent to close the credit card. The credit card was my first credit card and my oldest tradeline with the credit reporting agencies. Therefore, the closure of this credit card will have a negative impact on my credit score. I called Citi Card 's customer service to ask why the credit card was closed without my consent or  knowledge. The customer service rep stated it was a " policy '' to close credit cards after inactivity. I asked for that " policy '' in writing on their Cardmember Agreement. It is NOT written in their agreement. I was transferred to a service manager, XXXX in Kentucky ( she was very sweet and kind ), and she stated that it is a " general policy '' that Citi Card closes inactive accounts without consent or knowledge. She referred to this line in their Cardmember Agreement " We may close or suspend your account if any of the events listed above occur, or for any reason, or for no reason. We may do this at any time, without notifying you, as allowed by law ''. I asked for the law and written policy that this line refers to, and she could not provide it. However, she could reopen the account, but she would have to pull my credit report and could not guarantee the reopened account would revert back to original opening date and history. Again, this would damage my credit report. I feel that Citi Card saw this COVID-19 pandemic as a threat to their credit card portfolio/bottom line and closed " inactive '' accounts to keep customers from using them in their hardships.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A. On or about XX/XX/2023, I received an email from XXXX XXXX wherein she was attempting to collect the debt XXXX XXXX # : XXXX. I responded by requesting the items below to validate the debt. 1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt to the Original Creditor. 2. Proof that you are a legal debt collector in California. 3. A copy of the Bond that shows that you are Legally Registered in My State. 4. Copies of ALL Statements from Open to Close of this Account. XXXX XXXX has failed to submit the required documentation to validate this debt. However, they have submitted to the major credit bureaus they have validated this debt. XXXX XXXX XXXX didn't notify me of this debt before placing it on my credit report. 
I have disputed this debt multiple times with the credit bureaus asking them to provide the documentation XXXX used to validate the debt.

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 2023-04-21
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has reported my account late from XX/XX/2020-XX/XX/2020. I filed for covid 19 assistance with XXXX to move the payments from MXX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!

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 2023-10-24
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX Experian and XXXX haven't sent me information on how they determine their investigation. When I spoke with experian stated they get their info from XXXXXXXX XXXX XXXX  and I've provided info that I got from 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 explanation
Consumer complaint received 2018-09-07
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2018, I visited XXXX XXXX to purchase a new XXXX XXXX 2018. For the financing portion of the sales process, we met with XXXX XXXX, XXXX XXXX. He offered to bundle {$7100.00} of optional services into our auto loan. 

1. {$3900.00} Service Contract + Prepaid Maintenance program.

2. {$1400.00} Club Plus - tire & wheels.

3. {$870.00} Zaktek Ultimate. 
4. {$850.00} Gap insurance. 

Written terms for these services were unavailable. Instead, he explained that the information will be mailed to our home within a couple of months after the sale. Afterwards, if we wished to cancel any of these optional services, we should notify the dealership and the services will be terminated and a full refund processed. We proceeded to close the sale with XXXX and these optional services were bundled. 

On XX/XX/2018, four months after the sale, we still have not received any information in the mail nor email. Below is a list of our failed attempts to communicate directly with the dealership. 

1. Phone call to XXXX XXXX, XXXX XXXX. No response. 
2. Email to XXXX XXXX. No response. 
3. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
4. Brief phone conversation with XXXX XXXX, XXXX XXXX. Call disconnected on his end. No return call received. 
5. Phone call to XXXX XXXX. No response. 
6. Phone call to XXXX XXXX. No response 7. XX/XX/2018, Phone call to XXXX XXXX, XXXX XXXX. No response. 
8. Email to XXXX XXXX. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was forced to pay off some of my student loans while still in school full time, approximately. XXXX. I believe this was an unfair decision made by the federal student department, with no one accepting responsibility and or trying to help me resolve the issue and refund the money back. The servicer of the majority of the student loans was even changed to avoid responsibility, while further pushing the matter " under the rug '' for the sole purpose of avoidance of error. I am a mother of an autistic son and all money that I have is money needed for daily living expenses, and to have a federal agency misuse my funds in this manner is unspeakable. This was an unfair debt collection practice, and " NO XXXX '' has acknowledged this discrepancy to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
From XXXX too XXXX During the pandemic I was XXXX  and went too XXXX  on two occasions during these XXXX  I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports

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 2018-08-24
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: Account status incorrect

Complaint:
XXXX lease was closed out 2015 A/c number XXXX Experian has a balance due of {$410.00} and a XXXX  monthly payment that shows as due XXXX  shows that a XXXX  monthly payment is due Both are incorrect and XXXX has verified that this account is closed and nothing was due at the time it was closed

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these ITEMS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX XXXX XXXX CA XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 ITEMS 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 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 2023-04-21
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A Caller claimed to be from " TSI '' according to the Caller ID. The number was XXXX they were trying to get information out of me and whenever I kept asking them what was about it they were ignoring my questions and became very demanding. I hung up the phone and blocked it. I ask this number be taken down so it doesn't go after me or anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX phone company sold my account to Convergent Outsourcing , Inc . They made my an offer to resolve the debt. I accepted that offer and paid the asking amount in full. Convergent Outsourcing , Inc closed the account and alerted XXXX that they had resolved the account as it had been paid. 
Instead of making needed adjustments to my credit report they sold my account to another collection company. And then another. 

My question to you is, when and how is this debt going to finally get resolved? 
Is there something else I need to do? I have written and sent proof of payment to all involved, but XXXX and credit companies along with debt collectors are all just shrugging their shoulders. 

Can you please help me out? 

Sincerely, 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 2020-04-03
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I'm a XXXX veteran and have been using Direct Express ( DB ), Comerca Bank ( CB ) Card, which treasury department sends electronic deposits and I been using DB for many years but trying to close and transfer balance of {$19.00} to new bank but CB automated system is denying because it's less than {$20.00}. I have already had Treasury department sucessfully send my new deposit to XXXX  XXXX XXXX XX/XX/2020 therefore they have my cheking and routing number but now CB is making difficult and creating obstacles to people with XXXX to close account and worry they may be intentionally doing this so they can keep balance. I agree to pay any fee 's to transfer but they're automated system deny 's us that option to transfer and request they comply with ADA and change their internal automated XXXX Customer Service system which can be simplified and accessible 24/7-365 Days a year.

Company response to consumer: Closed with explanation