BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ACORDANCE WITH THE FAIR CREDIT CREIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER XXXX XXXX. 

XXXX XXXX : ACCOUNT # XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX XXXX XXXX XXXX XXXX PAYMENTS REPORTED ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX XXXX : ACCOUNT # XXXX XXXX  : ACCOUNT # XXXX THEY HAVE ALL VIOLATED MY RIGHTS XXXX U.S.C XXXX section XXXX A. States I have a right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : Its also states that a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: AZ
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:
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.

This accounts and Inquiries 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX and Equifax ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 
According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file in accordance to paragraph ( 5 ), begore 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 reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
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: Information belongs to someone else

Complaint:
I have submitted multiple disputes directly with the bureaus. The bureaus verify the account and do not remove. The creditor states they sent the account for deletion to the bureaus. The creditor states on XX/XX/2022 and XX/XX/2022 they sent a request electronically to the bureaus for deletion. I asked for help from XXXX XXXX, a credit monitoring service I subscribe to. XXXX XXXX  representative XXXX XXXX called the creditor and verified that the account is not mine and that XXXX reports sending a request for deletion.

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 2022-06-18
Company: Collection Bureau of the Hudson Valley, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 also states a consumer report agency can not furnish an account without my written instructions. 

The company also refused to validate the debt and send me proof the balance is accurate in writing on our phone call on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX XXXX Sequium Asset Solutions/ XXXX XXXX / Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened an account with XXXX ( Commenity Bank ) and kept the account current until several months ago when Commenity started charging late fees after they increased the amount they wanted me to pay monthly, that I could not afford. I spoke with their collections office on several occasions and was asked to provide a date when I would be able to get the account up to date. They continued to add late fees, I continued to be unable to afford the elevated payment. Commenity has several offices calling me from several different phone numbers for collections practices and they are also texting me. I have had to block several of the numbers as I am getting called from this company 10-15 times on average per per day. Sometimes it's even more. They are also calling my family members-cousins, nieces and brothers and neighbors. I am XXXX and not in the best of health. I have tried to work out payments with several of their staff, but they are demanding I give them my bank account information so they can do auto drafts from the account. I am the victim of identity theft, I won't release that information to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, INC.
State: CA
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 contacted XXXX  two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX  XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE 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 2022-10-24
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Starting on XX/XX/XXXX I have attempted to contact MOHELA customer service to discuss a refund of payments. I have called everyday excluding Sunday in the morning, afternoon and evening. Each time I spent an average of XXXX minutes waiting in a phone tree. Once I am able to get to the option I need to talk with someone about wanting a refund I will be given a message that no will be able to talk with me. The phone tree will then drop me into an infinite loop asking for me to input information about XXXX. 

I have since attempted to send messages through MOHELA 's website and have not received any reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good evening!! 

I have tried contacting the original debt collector and now this third party to see to it that this debt indeed belongs to me. I have yet to receive confirmation that this debt is truly mine. 

The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX would adhere to as is required by law. 
To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should you not comply with Federal Law. 
( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( s ) - FBCS for the amount of {$1600.00} - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2022, XXXX payments were presented against my account, which resulted in an overdraft on XX/XX/XXXX. The overdraft was - {$1200.00} ; however, these payments were returned. On XX/XX/XXXX, I received a communication that my account was frozen until I deposited {$1200.00}. On XX/XX/XXXX, {$2500.00} was electronically transferred into my account. From this point forward, my account showed an available/on deposit positive balance when logged in. On XX/XX/XXXX and XX/XX/XXXX, debit card transactions were processed. Today I discovered that an ACH payment to a credit card for {$380.00} was returned because my account is frozen. I am confused because a {$2500.00} deposit was made on XX/XX/XXXX, more than what was needed to unfreeze the account. Two debit transactions have been processed since then. I was told that because the two payments returned on the 3rd could be re-presented, I would need to deposit {$190.00} to cover these potential debits as well as the most recent payment I made -- I made this payment because I was unaware that my account was frozen, having received no further communication after making the deposit. I was not instructed of anything more after complying with the deposit request. 

I asked that a stop payment be put on the sole check of {$1000.00}, which had been returned on XX/XX/XXXX, to guard against it being re-presented. This check is what overdraws everything. Even with doing this, I still need to deposit enough funds to cover this check even though it will be stopped. 

The irony is that if that check had been re-presented, I had enough funds to cover it, but since my account was frozen, it did not go through, and I had no idea. I don't understand why they didn't do their normal process of paying everything and just returning the check instead of freezing my account. 

As a result of the freezing of my account, the two additional credit card bills I paid out of this account yesterday will be returned. I would not have made payments against this account had I known it was frozen. Now I will be subject to three credit card fees and potentially worse.

I am experiencing economic hardship, and Citibank has only worsened my burden. They have opaque and capricious policies, which are not made clear to the customer. When I can, I will shut down all my accounts with Citibank. I became their customer through acquisition -- the bank where I was a customer was a local one they bought. I chose a local bank to avoid this level of callousness.

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 2023-05-18
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:
Equifax is reporting two accounts incorrectly. They should be removed from from credit bureau report with their agency. Also I have been calling since the beginning of the year and they have some kind of block on my account that prevents me from accessing it online. I have called many times with a promise of a call back that never happens. The two inaccurate accounts are : XXXX XXXXXXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Genesis FS Card Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this letter regarding unfair business practices from Genesis Financial Services, Card Services. 

I, XXXX XXXX, called Genesis FS Card Services on Tuesday, XX/XX/XXXX, to pay a debt that I promised to pay when I got paid. As promised, I did just that. 

I paid my debt off of {$580.00} on Tuesday, XX/XX/XXXX and requested a conformation number, and a payoff letter so I could send it to all of the credit bureaus because I am trying to repair my credit. The representative said that Genesis FS Card Services would be sending the letter to me by regular mail in thirty ( 30 ) days, but instead I received the attached Exhibit A letter in regular mail dated Wednesday, XX/XX/XXXX stating : This letter is to notify you that your above referenced Account has been charged off due to delinquency with an outstanding balance of {$580.00} and sold to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX. 

Also, the representative claimed that they could not find a conformation number in the system to give me. This comment caused concern because dating back to XX/XX/XXXX whenever I made a payment, I have always received a conformation number immediately. Curiously, when I made the big payoff, they could not find a confirmation number to provide to me. Unfortunately, I was on the telephone with the representatives for almost two hours, being jerked around ; but, I still paid the balance off with my debit card. My card is showing the proof of payment of {$580.00}. Please see attached Exhibit B. 

I would like this matter investigated, and explained to me and the other agencies that I will be sending this letter to. 

I would like an explanation of why I am being harassed and discriminated against, in such a manner to destroy his credit. 

I would like to reiterate that I made the payment on Tuesday, XX/XX/XXXX and four weeks later I received a letter in regular mail on Wednesday, XX/XX/XXXX stating that my account is being sold to a collection company due to delinquency. 

PLEASE EXPLAIN HOW IS MY ACCOUNT IS DELINQUENT, WHEN MY ACCOUNT WAS PAID IN FULL, FOUR WEEKS PRIOR TO RECEIVING THIS DISTURBING LETTER, IN THE FIRST WEEK OF XX/XX/XXXX... 

You can reach me at the above address, telephone number and/or email address. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Automated Accounts Management Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical collection on my credit file that i have been disputing for several months that doesn't belong to me. I have always had medical insurance through my job and i even went to XXXX XXXX XXXXXXXX XXXX to ask about the account and they had no record of me with an outstanding bill. XXXX XXXX still has not deleted this account and they keep saying its verified but have not sent me any proof that it belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief