BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
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: Reporting company used your report improperly

Complaint:
N accordance with the fair Credit reporting act XXXX  account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C1681 section 604 A. 2 it also states A consumer reporting agency can not furnish account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had an account with XXXX XXXX  which I had cancelled over the phone with a XXXX employee months ago. I recently noticed an email from my bank informing me that there was a potential negative on my credit report from Sequium Asset Solutions. I had never been contacted by this collections agency regarding a debt until my bank notified me of the problem. I would have paid this debt if I had known it was being sent to collections. I tried to contact the collections agency about this but only received a pdf of the bill in return. The pdf of the bill had my name spelled wrong and had an old address that I no longer live at. I just got off the phone with XXXX  and was able to find the bill which I promptly paid for. If the collections agency would have contacted me, I would have paid this bill before it had the chance to be put on my credit report. I hope to have this resolved since my credit is extremely important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX, I contacted CitiBank requesting them to close my checking and savings accounts. Prior to account closure, my account balance level qualified my accounts for a waiver of account fees. At the time of the call, I had already transferred all my funds out of the account, therefore the service representative informed me that my accounts would be closed with no further action needed. I confirmed during the following week that my accounts were closed by logging into CitiBank 's online portal, which correctly no longer displayed any of my accounts which were closed. 

Later, on XX/XX/XXXX, I received a letter from CitiBank dated XX/XX/2019, informing me that a " Bank Service Fee '' in the amount of {$25.00} has been charged to my account, which had been closed more than a month prior. The letter indicated that the account balance was {$0.00} ( XXXX XXXX ) prior to the fees being charged, resulting in a {$24.00} overdraft. I believe that the balance claimed by CitiBank is incorrect and my account should have had a {$0.00} balance due to being closed. Additionally, the letter detailed what appeared to be an overdraft fee in the amount of {$34.00}. 

Since the account had already been closed more than a month prior at my request, I believe that the service fee and the subsequent overdraft fee were in error. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( ID number XXXX ) who assured me that the account would be closed and that the service fee and the overdraft fee was refunded. 

On XX/XX/XXXX, I received a letter from Citi bank, dated XX/XX/XXXX, demanding a payment of an overdraft in the amount of {$58.00} and threatening to report my accounts to consumer reporting agencies. 

On XX/XX/XXXX, I contacted CitiBank 's customer service. I spoke to XXXX ( team ID number XXXX ) who informed me that the savings account had not been closed and remained open with a balance of {$0.00}. XXXX also confirmed to me that the overdraft charges for that account had been refunded. I once again requested that XXXX close the account. XXXX confirmed to me that the account will be closed. I also notified CitiBank that I believed that I should not have had any remaining balance in the account, but that they were welcome to disburse the balance via check if they disagreed with that assessment.

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 2023-01-27
Company: EQUIFAX, INC.
State: NJ
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 discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX 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 2022-06-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is respond recieved after requesting for services the services are complete and was mistreated in the office We have received your request and reviewed your claim. 
Your claim is : Claim # : XXXX Claim Status : closed Additional information ( if applicable ) : Your claim was not approved because merchant supplies compelling evidence or justification that disputed transaction is valid. You would have to dispute transaction with merchant directly If you have any further questions please don't hesitate to reach out to us.

Thank you for choosing Chase.

Sincerely, The Retail Claims Team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: SG and Associates
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with the account listed under convergent outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on not believe the account belongs to me nor do I believe that the creditor has the authorization to access the account and attempt to attempt to collect on the account the account continues to negatively affect me, Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2022-01-11
Company: Experian Information Solutions 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:
I cosigned for a loan from XXXX with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid XXXX over {$12000.00}. THe balance is to be paid by XXXX through a XXXX insurance policy and XXXX was aware of this. XXXX and XXXX both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than XXXX points for a 30 days late payment from XXXX after they have received {$12000.00} from the insurance company. XXXX is aware that the car is totalled and XXXX is processing the XXXX insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from XXXX has hurt my family and I seriously during this time of XXXX pandemic and I am a XXXX worker. I need my credit report fixed immediately.

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 2023-05-11
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-04
Company: TD BANK US HOLDING COMPANY
State: VA
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 submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to TARGET CARD SERVICES for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They are now 30+ days late. They are knowingly reporting false misleading information without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX : Reported : XX/XX/22. Amount : {$77.00} XXXX Account XXXX XXXX XXXX : Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX  XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 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 authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.

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 2023-01-06
Company: EQUIFAX, INC.
State: NC
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:
Attention : XXXX credit Bureau And Equifax Credit Bureau : I am providing the additional Information you requested. 

This is my 4th complaint where you have continued to ignore the identity theft report and is making me jump hurdles to Get this fraudulent information off my credit report. 

Per your request I am providing the report Number and the law enforcement contact information of the identity theft report.

Remove : 1. XXXX XXXX XXXX, collections, unauthorized 2. XXXX ( XXXX ) XXXX inquiries, unauthorized This is my 4th complaint filed with Equifax and XXXX and this complaint includes The additional information you requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This bankruptcy on my credit report must be removed as for the fair credit reporting act and the creditors are not required to report anything to the credit reporting agencies! So why is there any bankruptcy reporting on my credit report that is reported to this credit reporting agencies. This is clearly an error on your part as a credit reporting agency reporting a Bankruptcy! Send me all your data about where you gathered this bankruptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
While checking into the national multistate licensing system, I noticed Portfolio Recovery Associates is not licensed to collect in the XXXX XXXX XXXX  and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( XXXX XXXX  ) Acct number : XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) After deletion I need an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I don't believe what I selected describes my problem, but I thought it was the closest. Any how I submitted a complaint with Cfpb regarding credit report with Experian that on the report were accounts not mine. Complaint # XXXX. The one was deleted XXXX XXXX XXXX and the other was not XXXX XXXX. You gave me a new report showing that XXXX XXXX XXXX was not on the report, but XXXX XXXX was still on. You also on the first page of this report list : XXXX XXXX XXXX IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY- OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT. 

I want the above statement removed from my report. It is a stupid thing to state about XXXX   XXXX. You know that I called them repeatedly at different locations and numbers to tell them that it is not my account. They even verified that it is not mine. So. I want this whole statement removed along with the account XXXX XXXX. 


On page four at the top of new report. I want this statement removed, because I did not give it to you. Never gave this statement, so I don't know where you came up with this. Want this removed : " ID SECURITY ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME ( This absolutely does not make sense ) OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINING XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: PA
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 account # XXXX, XXXX account # XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have 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 an 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 explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This collection account from XXXX XXXX XXXX does not belong to me. They are violating my rights of privacy I did not have a contract with 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 2023-01-06
Company: EQUIFAX, INC.
State: NC
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 XXXXXXXX XXXX XXXXXXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM FIRST PREMIER. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a loan with XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The TransUnion Credit Bureau is required to verify for themselves, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but they failed to neither verify nor update me about this complaint. Please update or correct the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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