BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
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 status incorrect

Complaint:
This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.

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 2019-01-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/XXXX citizens bank made a payment from my checking account for {$100.00} when my account had {$1.00} in it and then added overdraft charges so that now they say I owe {$230.00}. I went into my local branch on or about XX/XX/XXXX to resolve the issue but they refused to reverse any of the overdraft charges. the problem is that they are making at least 3 automated calls per day to my house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: Early Warning Services, LLC
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: Personal information incorrect

Complaint:
Dear Early Warning, I regret to inform you that my recent review of your credit reporting practices has revealed a violation of the Fair Credit Reporting Act ( FCRA ) rule 609. 

Under this rule, consumer reporting agencies like Early Warning are required to disclose to individuals the nature and substance of all information in their consumer reports, including any adverse actions taken against them based on that information. 

My investigation found that Early Warning failed to comply with this requirement in a specific instance, by not disclosing to a me the nature and substance of adverse information that was used to take an adverse action against me. 

I take these violations seriously, as they can have significant impacts on consumers ' lives and financial well-being. I urge you to take immediate steps to rectify this violation and ensure that your credit reporting practices are fully compliant with all FCRA regulations. 

Since you allege you have no documentation you have no lawful authority to damage me by keeping these XXXX fraudulent accounts from XXXX XXXX XXXX in your database. Delete them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian has violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian credit report. 

DISPUTED ACCOUNT XXXX XXXX XXXX {$18000.00} Account numberXXXX Closed ( For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. 
I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 

I have requested the credit bureau to correct their mistake. Please see attached letter.

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 2023-02-10
Company: Amsher Collection Services, 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:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: TX
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 have spoken with the Creditor and Equifax. Both companies are telling me the problem is with the other party and it is unresolvable. I have documents from the creditor stating that I have paid the debt on XX/XX/2020. XXXX and XXXX both report that the creditor has reached out and told them to delete the outstanding balance because the balance was paid in full. Equifax however, tells me that they spoke with XXXX and that XXXX told them the debt is outstanding. I do not believe XXXX and they are not helpful, and they have hung up on me at least 7 different times while discussing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . 
Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$78.00} Balance updated XXXX XXXX, XXXX  Original balance {$78.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$78.00} past due as of XXXX XXXX. 
Status updated XX/XX/2023 Contact info Name AFNI , INC . 
Address po box XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Data and Contact Management Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who these people are. My sister did not have any debt with them and I'm seriously XXXX XXXX  that some scam company is preying on me and and parents trying to collect debt that A ) she didn't have and B ) We did not cosign for! Please tell them to XXXX XXXX ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After paying down credit cards, my XXXX XXXX was lowered XXXX points when I was advised it would improve my score.

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 2020-07-14
Company: TD BANK US HOLDING COMPANY
State: MD
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:
Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am a member of XXXX XXXX XXXX XXXXXXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/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 2022-10-30
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know who this Company is and why they are stating that owe them {$960.00} dollars. I've never agreed with AD ASTRA RECOVERY SERVICES with any type of contract that I owe them any money or I have a debt balance with them. I need proof of original contract with my orignal signature, date I first I signed contract and open contract, detail dates of payment/itemized sheet history. Also, if their company have license to collect debt in the State of Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My complaint goes back 2 years but I will limit it to what has happened since XX/XX/2021. I paid through citi banking portal, XXXX  on XX/XX/XXXX, XXXX The check wasn't cashed until mid XXXX. I wrote a check on XX/XX/XXXX to XXXX and as of XX/XX/XXXX it had not been negotiated and I stopped it and reissued another one on XX/XX/XXXX and as of XX/XX/XXXX, it has not been negotiated. I wrote another check on XX/XX/XXXX for XXXX for XXXXXXXX XXXX insurance payment, I pay bi monthly, and as of XX/XX/XXXX it has not been negotiated. It took two months for XXXX 's payment to be negotiated, I stopped a XXXX check after 2 months because it had not been negotiated, and now I sit 5 weeks hence from writing the last payment and it has not been negotiated. 
I have written, called, complained about XXXX, but I have also attempted to get citi to ascertain why the payments are not being negotiated. I received this from XXXX, Dear XXXX : This letter is in regards to your recent premium payment. This payment was not honored by your bank. Your policy has been terminated as of XXXX We truly value your business and want to thank you for choosing XXXX XXXX XXXX If you have any question, or we may of assistance to you in any way, please feel free to call. Customer service department toll-free XXXX. For your convenience, secure onlline access to your account is now availablle through XXXX XXXX  for Members. Please visit our website at XXXX sincerely accounting deptartment. 

I called citi and asked for help in this matter and was told they could not help. I found citi 's ceo idenity on the internet and sent complaints about this to her. Subsequently someone from citi left a message and a number to call, I have called it for several days up to 50 yes 50 calls at a time and I get no response.

My insurance is cancelled, my future medical appointments are in jeopardy, because communication between the bank and the payee is virtually non existent and neither one are rendering the services they puport to deliver. Either citi isn't paying XXXX or XXXX isn't cashing the checks sent them on my behalf by citi. citi won't help me find out which, so I am filing this complaint wanting the outcome to be some assistance from citi bank.

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 2023-03-24
Company: EQUIFAX, INC.
State: VA
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Kindly update the following items that are affecting my credit : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

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: 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: Public record information inaccurate

Complaint:
I have been denied a place to live for over a year due to inaccurate information being reported on my credit report by XXXX, experian, XXXX, XXXX, XXXX XXXX and others. I have contacted these companies as well as received information from the court that stated they did not report this information that these companies took it upon themselves to report this information that has caused me to have issues with finding a stable place to live. This situation has caused a great deal of dramatic damage mentally and physically. This has tarnished my reputation as a consumer and put me in a bad postion.

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: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions bank charged me almost XXXX dollars over last year in overdraft charges. When the money had been deposited into account. They numerous changed transactions around to there benefit to be able to charge me. It would be days they would take process deposits but processed transactions instantly.

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 2023-08-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/2019 XXXX acct # XXXX was charged off so I deem it against my consumer rights to be punished for something thats holding me back from achieving my financial freedom in todays society. I asked this old debt be deleted from my consumer credit repot

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 2023-02-10
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at approximately XXXX XXXX I received a text alert from my Best Buy Citibank Fraud Dept asking if I attempted to make a purchase at XXXX ( XXXX, Ohio ) in the amount of {$2000.00}. I immediately responded to the text and they called me right away. A report has been filed with them and I'm also in the process of obtaining a police report where I live ( South Carolina ). Unfortunately, they did approve another charge of {$960.00}. This is the THIRD fraud issue I have encountered involving the state of Ohio I have never worked or lived in Ohio and feel like someone or some entity in that state must have my information and are repeatedly using it ... How can I have been hacked 3 times ALL in Ohio, a state I've never been in other than for a layover??!! I plan on submitting a separate complaint for the other card account since it is a different type of card. ( Store Card ) The other issue was XXXX fraud - AGAIN, in Ohio, but years ago. ( XXXX ) This is all just bringing back bad memories from that experience.

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