BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: AMCOL Systems, 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: Their investigation did not fix an error on your report

Complaint:
A collection company Amcol contacted me about a debt I wasn't aware I had. After they contacted me, I paid the debt within 30 days but it was still put on my credit which is should not have been. The debt is listed as paid on my report but with my paying the debt within 30 days of them notifying me, it should not be on my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Express, through its Collection Agent, XXXX XXXX claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, XXXX initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. XXXX refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) American Express would " recall '' their file. 

Every effort was made to assist XXXX in confirming the arrangement in writing. An email initiated to XXXX memorializing the terms was not responded to. XXXX 's refusal to confirm terms of the arrangement are highly problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I had a terrible experience with Citi Bank. 

I opened a checking and savings account based on a promotion about 6 months ago. The promotion involved depositing {$15000.00} into the accounts, keeping the funds for 60 days, and receiving {$400.00} 90 days after those 60 days. Within the past 6 months, I have been calling Citi several times to make sure that I qualify for the promotion. Every time, Citi has confirmed that I qualify. I called in XX/XX/XXXX to make sure I completed the needed activities ; I called in XX/XX/XXXX to make sure I will receive the bonus in XX/XX/XXXX ; and, after not receiving the bonus in XX/XX/XXXX, I called XX/XX/XXXX - during all of the calls, the Citi representative on the line confirmed that I qualify for the bonus. However, during the last call, on which I spent over 50 minutes on the phone, Citi refused to transfer the bonus and informed that I do not qualify for the bonus as the {$15000.00} was not transferred in time. Citi also told me they emailed me on XX/XX/XXXX to explain that lack of qualification, but I do not have any emails from Citi from that date. 

I was lied to by Citi for the past 7 months, as a result keeping my money with them instead of investing it elsewhere. If I had invested in a high yield savings account, I would have accrued at least {$150.00} off that money. I also could have invested in other checking accounts with similar promotions, which would have resulted in more than {$150.00} returns. Instead, I am left with wasted time, frustration, and lost financial opportunity. I have spent over 3 hours collectively on the phone with Citi trying to resolve this. Citi representatives have been less than concerned with the problem and the potential loss of a customer. 

This kind of behavior and low ethical standard are not acceptable for a leading financial institution. 

Thank you.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-03-17
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: Account status incorrect

Complaint:
This is the third time I am filing a complaints again 1st complaint number with Cfpb # XXXX complaint # XXXX.Experian had spoke to your company and said that it was not appearing on my credit report I gave it time they sent me a letter from Experian she wasn't on there I have a credit monitoring I ran my report and it was on there I called you guys again to tell you that they put it back on so I just I was second time now this is the third time I go to look at my credit report and not only do they put back the account with terrible unaccurate payment history they put XXXX back on which is not mine this is a very serious offense and now this is the third time I'm speaking to you guys you need to do something or you'reme they said and they also said to your company that they did not have the account which is XXXX  XXXX  the account number XXXX xxxxx in the amount of XXXX.they have lied twice and now I just again looked at my credit report and they actually put not only the portfolio but the original XXXX  which again I've been fighting for these accounts to get off my credit report since XXXX of XXXX.I filed a report this morning with the Fair Credit Reporting Agency XXXX have attached the letters that I have sent XXXX XXXX XXXX XXXX certified mail back in XXXX I have all of them since XXXX XXXX.I will keep calling I will keep reporting and making complaints until somebody does something and have experience in the certified letter saying that these are off my credit report and I keep putting them back on and they're not my accounts it's ruining my credit and I can't go forward I'm a single mother and I need my credit score to do anything I can't buy a car I can't buy a house I can't even rent an apartment I can't even get insurance for my car next thing I will be doing is going to the news paper and telling my story I don't understand how your company is allowing experience to do this chicken consumers it's not only me you have a problem with them I read on your website please they have to take off the XXXX XXXX  XXXX  and a XXXX  that they put on again and they take off and put on it's against the law and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take you to both of you and you know this is against the law so I'm the next thing I'm going to have to do is just I'm going to have to just take this up in court with your agency and Experian

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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I don't have to much information, the account was open under my name without my knowledge and was charge with more than {$500.00} plus fees, te account need to be closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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:
Subject : Unauthorized Credit Inquiries Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized credit inquiries that have been reported by TransUnion on my credit report. I have recently obtained a copy of my credit report on XX/XX/XXXX and was alarmed to find inquiries that I did not authorize. Details of the unauthorized credit inquiries are as follows : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX via XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX via XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX via XXXXXXXX XXXX - XX/XX/XXXX These unauthorized inquiries are severely impacting my credit score I have taken the following steps to address the issue : Contact with TransUnion : I have contacted TransUnion to dispute the unauthorized inquiries, but they said they acknowledge that these inquiries are unauthorized but can't remove them until a FTC report is filed. I am requesting the FTC to investigate this matter and take appropriate action to rectify the unauthorized inquiries on my credit report. I also request that TransUnion be held accountable for any negligence in reporting accurate and up-to-date information. I appreciate your prompt attention to this matter and look forward.

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 2022-11-10
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am filing a complaint against RADIUS GLOBAL SOLUTIONS LLC, because they are attempting to collect a debt that I do not owe them. Account name : RADIUS GLOBAL SOLUTIONS LLC, Account Number : # # # # # # 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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ACCOUNT TYPE : DEBT BUYER DATE OPENDED : XX/XX/2021 PAYMENT STATUS : PAID IN FULL, WAS IN COLLECTION. ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. I HAVE A LETTER FROM THE COMPANY STATING IT SHOULD BE CLOSED AND DELETED FROM CREDIT REPORT.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for 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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

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 2023-01-07
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:
XXXX XXXX XXXX XXXX is a bank and can not loan money. They admit that they are not the original creditors. Remove this account from my credit profiles. Notice of dispute

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 2023-03-13
Company: LD Holdings Group, LLC
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: Account status incorrect

Complaint:
We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to Loan Depot about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to LoanDepot on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : EQUIFAX : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX  XXXX Balance Owed : {$4300.00} XXXX  XXXX Balance Owed : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: NC
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 wihtout 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, 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 innaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I canceled my credit card, after that I have a refund that XXXX  made me to receive on this canceled card and a dispute that the bank owes me a deposit 9 months ago. I contacted them several times and I go to the bank branch to try to resolve this and they never gave me a solution to receive this amount. Because I canceled my credit card, it does not make this deposit to my account.My first complaint after 3 months they sent me a letter saying they would deposit the due amount in my account but they never did that. Today I went to the bank, I was completely ignored and they don't find a solution for the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have reported XXXX overdue 60 day and greater, every month since last year. I have my credit report from last year which is completely different. The old report from last year shows Ally reported monthly and payments were up to date consecutively for the year, 2022. Since, I have had such issues with them accepted payoff etc, another complaint with Ally, they have now changed my payment history from 2022 until now. They have " revised '' my payment history making my credit score drop over XXXX points. This is now making it very hard to apply for a new used car loan with the new credit score the have imposed. Also, they will not close my account. They are adding late fees to me to pay, all the while my car was reported to them as a Total Loss. They refused to give me the payoff, then waited since, XX/XX/XXXX ( date of loss ) to accept payment and complete payment information needed by XXXX XXXX. They are making me pay for the delay and their refusal to accept payments. Refuse to give me the reimbursement for XXXX insurance that I paid for at the beginning of my loan!

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 2023-03-13
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am currently going through a Federal Case in the XXXX XXXX XXXX North Carolina. 

XXXX XXXX has broken a plethora of Federal laws stated below under the FCRA & FDCPA. They have now shared my personal information with an " attorney '' which is violating my consumer rights. 

XXXX XXXX XXXX has violated the FDCPA on many counts in there " agreement '' provided below. 

Please help me with the proper enforcement of law against the tyrannical corporations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: VA
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 reviewed a copy of my credit report and I noticed several fraudulent/unauthorized hard inquiries that needs to be removed from my credit report. The inquiries to be removed are listed below and I will also like to add that I was a victim of the XXXX XXXX data breach. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Ser XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2018-03-16
Company: Lyons, Doughty & Veldhuis, PC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an interim report and answer of garnishment for a debt that does not belong to me and is name on the case is not mine. The garnishment is another state and court of another state not of my identity.

Company response to consumer: Closed with explanation