BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: DISCOVER BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover Bank has willfully been denying me of my consumer rights and breaking the law while doing so. 
I have reached out to discover bank and the credit bureaus to have a proper investigation done under 15 USC 1681. I have the right to an accurate and fair consumer report and a fair and correct investigation. You Discover Bank have to provide me with the proper documentation and that has not been done. Other than the fact that the reporting agencies are paying you what other information is causing you to side with them? Please provide me with all of the documents that prove I was late on this account. 
Furthermore you have been violating my privacy and did not disclose all of my rights. 
I was not given proper disclosure telling me I was allowed to opt out of disclosing my non public personal information. My transactions are non public personal information. 
You are in violation of 15 USC 6802 & 15 USC 1681 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 
I was never given proper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX I submitted an online dispute with Transunion regarding XXXX XXXX card service charge off-collection stating that I have a victim of identity. I attached the following : FTC ID THEFT Report, XXXX XXXX form and Division of Taxation notification ( Ref # XXXX ) to Transunion. 

Between XX/XX/XXXX, XXXX XX/XX/XXXX, the major credit reporting agencies ( CRAs ) responded. Transunion denied to block the information from being reported. Transunion wrongfully assumed misrepresentation, error or receiving goods for completing the transaction. 

XX/XX/XXXX @ XXXX XXXX  ) I visited XXXX Police Department XXXX XXXX Precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. 

So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX XXXX  ) credit dispute resolution center and spoke with XXXX XXXX who confirmed that there was identity theft note in my file. I requested documents then I was transferred to XXXX. XXXX did not have the right address. So I updated my address on file first. Next, XXXX stated XXXX XXXX XXXX XXXX not have transaction records anymore ; records were sent to the Attorney. I Called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX XXXX I never received the documents. 

The creditor grantor ( XXXX XXXX ) does not have the original records and Transunion did not verify methods of investigation. 

I, XXXX XXXX XXXX XXXX am a natural human being and I have autonomously typed this complaint.

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 2023-03-17
Company: EQUIFAX, INC.
State: IL
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 am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. If you don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. I am excerising my right and choose to opt-out. I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello CFPB This is regarding the targeted promo from Citi Bank '' EARN UP TO XXXX AAdvantage bonus miles with Citi checking account ''. 

I opened my checking account with Citi through the XXXX card portal for the targeted promo on XXXX XXXX did the debit card purchases required for the promotion on XX/XX/XXXX totaling over XXXX $ XXXX also had my enhanced direct deposits requirements done since XX/XX/XXXX ( XXXX direct deposits totalling over XXXX $ ). 
Citi 's terms and agreement states that the XXXX bonus should be XXXX days after completion of the requirements ( 30 days after XX/XX/XXXX ) .I called Citi and got confirmation from them that I met the requirements ; and that I should receive the bonus no later than XX/XX/XXXX. 
Since I did not receive the bonus by XX/XX/XXXX, I called again, now they said that the bonus should be credited 90 days after completion of the requirements. The discrepancyand the difference from what is actually written in their XXXX & XXXX and that phone call was baffelling.I honestly believe this constitutes false advertising and ask your bureau to look deeply into this matter. I have checked online and there are so many people that are facing the same issue. Citi should honor their terms and conditions and provide everyone who met the requirements of the bonus to what they deserve ( I clearly have met the XXXX threshold ). 
I really hope you can help us close this issue. 
Thanks B

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: Experian Information Solutions Inc.
State: NC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-04-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
on XX/XX/XXXX sat with a XXXX XXXX the Commerical morgtage representativeve from citizens bank and needed to apply for a construction to build a second home in XXXX  NC I explained to him that i just purchase a property in XXXX nc which had a small house on it and was tearing it down to build a new bigger home. 
I submitted a Hud settlement sheet to show the purchase along with all other documentation he requested. 
After 8 weeks i was denied the loan because the underwritter saw that it was a construction loan to a construction loan which was clearly seen on the Hud settlement paperwork which was submitted 8 weeks earlier. 
Prior to receiving my denial letter which was dated on XX/XX/XXXX XXXX XXXX reached out and asked me on XX/XX/XXXX for the {$540.00} appraisal fee. I asked why i am paying for a appraisall fee when there was no house on this lot ( was removed on XX/XX/XXXX ) XXXX XXXX said it was part of the process. 
Citizens bank went ahead and debited my account {$540.00} on XX/XX/XXXX. 
My question to XXXX was if i was denied the loan on XX/XX/XXXX then why did citizens remove the funds from my account on XX/XX/XXXX I have reached out to XXXX and his boss XXXX to get my {$540.00} put back into my account as of this email i have yet to hear from both parties on this matter also to this date i have not received any copy of a appraisal that i paid for. 
I feel XXXX XXXX knew from the start that this would be denied but wanted to make his application numbers work for him in the first quarter of the year and continued to go down this road for quotor purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
please provide original contract and verify all payment history where necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Apparently, I made a purchase at Kohls Department store of {$15.00}. This took place months ago. On XXXX XXXX I received two phone calls requesting I call Kohls. At first, I assumed this was a scam until I received the second one. I checked my Kohls account to discover that there was a {$100.00} dollar on my account. I quickly called Kohls for more information. I was told that my account went to collections for nonpayment. I was shocked this was the first time I knew of this. I asked why I wasn't notified or billed? So, they say they did not have my updated address. I moved from XXXX XXXX XXXX  I was still stumped. They called me after my account went to collections but could not call me previously to this? or email me? They had my email address. I paid them what I owed. I thought that was the end to it. Just recently received my credit report. I went from XXXX to XXXX just like that due to Kohls. I can not express how upset I am. This is absurd. Shocked is what Iam that a company can ruin an individual 's credit for {$15.00}. I worked very hard for years to have that credit score. Never missed a payment, never was late on bills. I can show you bank records and payoffs. I am not wealthy and have worked my tail bone off for what I have. My credit score reflected my hard work. I will never set another foot in Kohls. Never. I will gladly return their credit card to them. 
I paid my automobile loan off my mortgage off. Why would I not pay off {$15.00}? How can I pay a bill if I am not properly notified? To this day I still have not received a piece of mail from Kohls stating that I paid the outstanding balance or a email. Obviously, there is something very wrong with this company internally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
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  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-03
Company: TD BANK US HOLDING COMPANY
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:
Hello, I'd like to report an improper use of my credit report by Nordstroms ( Visa managed by TD Bank ) - as they reported a late payment to my credit report In accordance with the fair credit reporting act Nordstroms Visa Account ( ending in XXXX ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
please provide original contract and verify all payment history where necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent equifax a letter to correct their error on an account. they have stated the " verified '' the item with the furnisher, however it's not the furnisher that is reporting this inaccurately. It is EQUIFAX! the payment status is reporting inaccurately and this account is closed and paid in full. The payment status needs to report the current status " PAID AS AGREED '' Ive included a copy of the credit report highlighting their error

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MRS BPO , LLC debt collections violated my rights under FDCPA. The debt collector illegally park a unvalidated debt on my consumer report to all 3 CRA 's XXXX XXXX, and XXXX without contacting me over a allege debt not owed by me. They are continuing collection attempts on a un-validated debt after being told to stop, and they are continuing communications after being instructed to cease and desist. 

XXXX XXXX XXXX XXXX XXXX  AMOUNT {$190.00} My consumer rights were violated on XX/XX/2023 where MRS BPO illegally parked a allege debt on my consumer reports that made, 1. False representations, or representations that lack substance 2. MRS BPO did violate my rights by not providing validation notices to me the consumer giving me the information I needed to dispute allege debt. 
3. MRS BPO knowingly provided information to credit reporting agencies that they knew, or had reason to believe, was not accurate in violation of 15 U.S.C 1681e ( b ), and violated the FCRA 15 USC 1681b ( A ) ( 2 ) by accessing by consumer credit file without written consent or authorization by means of aggravated identity theft pursuant to 18 USC 1028A. 
Therefore this debt was never validated so on XX/XX/2023 MRS BPO , LLC received a letter dated XX/XX/2023 Certified mail number XXXX to stop collections attempts on this unvalidated debt. This debt collector was notified to the fact that because of their violations that I refuse to pay this allege debt and also to cease and desist all communications pursuant to 15 USC 1692c ( c ). As of the date of this complaint MRS BPO , LLC continues to violate the FDCPA by willfully continuing with the infractions mention above.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion has wrongfully allowed XXXX XXXX XXXX to report an account and have added to my credit file as a collection/derogatory account. I have disputed this account already and this account is still on my credit file. I have attached copies of the lease which shows the lease and Jetty information about the surety bond dates/agreement was altered and changed without notifying me. The dates are fraudulent dates and incorrect dates which is inaccurate. According to the Fair Credit Reporting Act no creditor, debt collection company or credit bureau can report any information thats not accurate and this information is not accurate. As a consumer, I have the right to file a lawsuit against XXXX, Transunion and XXXX XXXX XXXX for reporting this inaccurate and false information. Its in black and white and Im sure the judge would love to review this case. Also, because XXXX and Transunion allowed this company to report is 100 % liable as well and will pay for punitive damages. I have reached out multiple times. I have attached altered dates which is in black and white. Transunion and XXXX has 10 days to have this account completely removed from my credit file if not I will file for a lawsuit. You all have violated my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief