BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: TN
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:
Derogatory Information has been placed on my account by XXXX XXXX and it needs to be removed. acct number XXXX. 15 USC 6801 ( a ) The Gramm Leach Bliley Act states it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. I did not give consent for XXXX XXXX XXXX to share any of my information with any nonaffiliated third party. XXXX XXXX is currently furnishing a Charged Off account on my consumer report. The Internal Revenue Service defines a charge off as income also known as a certificate of indebtness and according to the law Income can not be reported. Furthermore, there was no notice of my right to Opt out of credit reporting that was clear and conspicuous in accordance with the Gramm Leach Bliley Act. According to XXXX XXXX 's privacy policy they only share information with their affiliates and no other. This charged Off account needs to be removed immediately. This directly violates 15 USC 1692d ( 1 ) in which XXXX XXXX XXXX has harmed my reputation by reporting this derogatory information. Per 15 USC 1681n ( a ) ( 1 ) I am entitled to compensation of monetary relief of {$1000.00} per violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX around XXXX pm I pulled up to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa. The machine gave me a receipt and never gave me my card back. I discarded the receipt because I thought it would post to my account. 
Two days later my money never posted to my account.

Over the phone I was told be a specialist that she can see my money in visa and its going to take a little longer to get to me, she said call back the next day and they will credit my account ... needless to say this didnt happen. 
I went to XXXX XXXX XXXX XXXX they told me to call my bank navy federal credit union. I called my bank they said they would put an investigation in but never got back. When I called they told me I would have to call XXXX XXXX XXXX XXXX to ask them if they had an overage. Whats the investigation for if I HAVE TO HELP INVESTIGATE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions 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:
XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA By my request XXXX XXXX is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I have sent letters and have not received any responses with what I have requested.

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 2022-12-09
Company: DISCOVER BANK
State: AR
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:
15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 604A section 2 : also state consumer rights furnish an account without my written permissions 15 USC 1666B a creditor may not treat a payment on a credit card an open end credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
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: Investigation took more than 30 days

Complaint:
I have disputed the following items on many different occasions and I still have not gotten a response yet. It has been more than 60 days since my dispute and nothing. So I am asking you for your assistance in getting the following items removed from my credit file. 

Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Transunion ) Incorrect Names : XXXX XXXX XXXX ( XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX and XXXX XXXX ( XXXX ) the following late status is incorrect : XXXX - I was never 30 days late in XX/XX/XXXX 1. XXXX XXXX - I was never 90, 120, or 180 days late from XX/XX/XXXX- XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX XXXX. XXXX Loans- I was never 90, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX or XX/XX/XXXX - XX/XX/XXXX Ally Financial - I was never 30 days late in XX/XX/XXXX XXXX- I was never 30 days late in XX/XX/XXXX XXXX/XXXX - I was never 30 days late in XXXX - XX/XX/XXXX ; XX/XX/XXXX The following items do not belong to me ( Fraud Account ) - XXXX XXXX ( Transunion And XXXX ) - Bal : {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: W&A Intermediate Co., LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the hospital and they said they never sent me to collections or have a outstanding debt, Wakefield and associates is the collection agency and the hospital said they dont work with them? Phantom debt! The hospital said my last visit was XXXX and the collection agency reported a unknown debt in XXXX and also charging me XXXX $ every 4 days, medical bills dont have interest in the XXXX orignal agreement I keep all my records. Ive disputed this and told the collection agency and the credit bureaus to call the original agreement only XXXX XXXX verified and deleted it from the credit bureau. Its still on XXXX and XXXX and rising in amount owed. They are breaking several laws and nobody cares.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: 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. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Experian Information Solutions Inc.
State: IL
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 a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2023-03-25
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a savings account with this email Citibank sent me in XXXX. I completed all the requirements in this email to earn {$450.00} bonus reward I deposited and maintained XXXX for 60 days requirements. I still have maintained over XXXX in this account as if today. I have made dozens of phone calls and texts talking to Representatives that get me nowhere. They've opened a case and it has been open for months still no response. I called again yesterday and they said I'm not eligible for the bonus and to call a number and still giving me the runaround. I've talked to supervisors and texts where they have said I definitely am eligible for the bonus and it will be deposited into my account by XX/XX/XXXX. It was not deposited so I called again and they said they're still waiting for a response from the dispute team and I should have an answer soon. Still nothing after dozens of calls and texts and them saying I will get the bonus don't worry. I did all activities requirements for bonus assured by Citibank id get the bonus now six months later still nothing and no communication on their part letting me know status. I have saved many of our text conversations and they said when I called all the correspondence is in my file. So documentation of all this hassle I've been through. So disappointed!

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 2022-12-09
Company: EQUIFAX, 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:
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I C Systems is unable to provide me with exact services and or the nature in which my debt was incurred as i did not recall the agreement they informed me i was in debt for being a patient at XXXX XXXX so i immediately asked how IC Systems was able to verify or provide verification of me being a patient or services rendered without this being a violation of HIPA law which is suposed to provide doctor patient confidentiality. I am requesting IC Systems remove my debt from collections and all three credit agencies or i will be seeking legal representation and filing a civil law suit against the reporting creditor as well the debt collection agency IC Systems.

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 2020-12-14
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and requested debt validation and verification of all reporting details on my credit report. The company did not provide the appropriate documents to validate this debt or verify the reporting details such at the original agreement with my signature, the agreement between this company and the original creditor that shows this company has any legal right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference.

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Frontline Asset Strategies, LLC
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX. Ordered Internet services from XXXX XXXX. Was promised services I never received! 
XX/XX/XXXX. My credit card was charged {$200.00} for services not received. 
XX/XX/XXXX. My credit card charged {$200.00} for services not received. Numerous, lengthy phone conversations with company to try to fix no service problem with no resolution, so finally requested that my account be closed which they did not do. 
XX/XX/XXXX. Filed services not received with my credit card issuer, XXXX XXXX. Was refunded the total of {$400.00} which XXXX XXXX was automatically charging me for. After investigation by XXXX XXXX, {$400.00} refund was made permanent which meant that the charges were wrongly made by XXXX XXXX. 
Up until XX/XX/XXXXXXXX  received monthly bills from XXXX XXXX and Frontline debt collectors, for the amount of {$750.00}. 
Made phone call to Frontline explaining that I had never received ANY internet services from XXXX XXXX and therefore I did not owe them any amount of money. 
Spoke with Frontline 2 times, XXXX and XXXX, and XXXX XXXX in XXXX, Can provide proof of ALL phone calls if necessary, during which I asked for an explanation for the then amount of {$750.00} which was alleged that I owed and they could not give me an explanation!! 
I am requesting an investigation of this matter so that my excellent credit rating can be restored. This company, XXXX XXXX, are crooks and I am pretty sure they have done this to others and I would like to help stop these wrongful charges by them. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 accordance with the Fair Credit Reporting act 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 : 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free credit report from the ( 3 ) credit reporting companies, I received XXXX and XXXX without an issue. However I am unable to access my Experian account after multiple attempts to use the online portal and calling the provided telephone number. I was notified there is a collection on my account which is inaccurate, it belongs to someone else and is impacting my credit score. I do not know the company and have never purchased or used one of their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation