BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
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: Account information incorrect

Complaint:
I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: IL
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 Equifax continue to report inaccurate information that is causing me harm. 

XXXX is reporting late payments for XXXX and XXXX while Equifax is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 2020-12-14
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited {$3500.00} using drive thru ATM on XXXX. The ATM machine gave an error and the amount was not deposited into my account. I went to the branch on XXXX and they confirmed that the ATM was over by the same amount ( {$3500.00} ), but they said I have to file a claim to get my money back. I filed the claim and submitted the receipt I have from the ATM confirming my account number. Unfortunately I did not receive my deposit although it has been over a week. I visited the branch 3 times. First they said it takes 1-2 business days, then 3-5, and then 10 or more days. I decided to submit this complain since the bank is not transparent and not cooperating. I am worried that I may not get my deposit, or may get it but with a significant delay. With the current COVID situation and it's impact on all financial situations this is very frustrating. 
Bank : TD bank Branch : XXXX XXXX XXXX, XXXX, MA XXXX Complain # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
State: SC
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 a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
According to an article in XXXX XXXX and elsewhere on the internet, Citibank intends to force accountholders and credit cardholders to receive statements electronically or lose electronic access to their accounts. 

It goes on to state that new customers are automatically enrolled in e-statements. 

Both of these violate the provisions of XXXX which specifically states that it does not require consumers to agree to receive records electronically. Even paper statement fees that discourage consumers from receiving paper statements were frowned upon if the intent was to force the consumer to accept electronic delivery, as recently evidenced in the CFPB 's own recent publication on junk fees. And new customers can not be automatically enrolled without having an option for paper statements. Plus automatic enrollment would need to follow XXXX disclosure and demonstrable consent requirements which might not be occurring. Many financial institutions explored the automatic enrollment with opportunity to opt-out solution and found that it was not permissible. 

I as a consumer should not be forced to forego paper statements and risk losing electronic access. 

link to article : XXXX XXXX XXXXXXXX XXXX XXXX SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ACT TITLE I -- ELECTRONIC RECORDS AND SIGNATURES IN COMMERCE This title does not limit, alter, or otherwise affect any requirement imposed by a statute, regulation, or rule of law relating to the rights and obligations of persons under such statute, regulation, or rule of law other than a requirement that contracts or other records be written, signed, or in nonelectronic form ; or ( 2 ) require any person to agree to use or accept electronic records or electronic signatures, other than a governmental agency with respect to a record other than a contract to which it is a party.

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 2020-08-15
Company: WELLS FARGO & COMPANY
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:
XXXX is showing this car loan verified but with XXXX it is not on my credit at all.

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 2023-08-13
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 US CODE 168 1B I NEVER GAVE ANY PERMISSION TO REPORT ANYTHING 15 US CODE 1681 C-1 YOU REPORTING ON ME IS IDENTITY THEFT 15 US CODE 1681 C-2 STATES YOU MUST REMOVE WHATEVER YOU GOT RESPECT THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern, This is my third written attempt to remove these inaccurate address and employments from my credit report. You have 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 you are 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 demand the following accounts be verified or deleted immediately.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Company: PENTAGON FEDERAL CREDIT UNION
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ Pentagon Federal Credit Union ] to [ XXXX XXXX XXXX XXXX ]. 

On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX XXXX " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to XXXX XXXX. 

I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt. 

I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt. 

I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX. 

Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title? 

Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony? 

Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.

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 2023-11-08
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reports to Citi bank that the account they have opened under my name is a fraudulent account. I have never done business with the company and I have never opened any account with them they are are refusing to close this account and remove it from my credit report! This account has a balance with multiple fraudulent purchases and items sent to addresses I have never lived at!

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 2023-11-08
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am writing to file a formal complaint against CBE Group for engaging in a practice commonly known as debt parking, which, according to the Federal Trade Commission ( FTC ), is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I recently discovered that CBE Group has reported an alleged debt to credit reporting agencies without making a good-faith effort to contact me, the consumer, as required by law. The FTC clearly stipulates that debt collectors are prohibited from reporting an alleged debt to credit reporting agencies without first attempting to reach out to the consumer to discuss and verify the debt. 

The specific details of my complaint are as follows : 1. Alleged Debt Reporting : CBE Group has reported an alleged debt to one or more credit reporting agencies without any prior communication or attempt to contact me regarding this debt. This action not only violates my rights under the FDCPA and FCRA but also undermines the fundamental principles of fair and ethical debt collection. 
2. Lack of Verification : Without any prior contact or attempt to reach me, CBE Group has reported this alleged debt, which raises concerns about the accuracy and validity of the debt in question. By failing to follow proper procedures, they have left me without the opportunity to verify or dispute the debt as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: T.S. Holdings
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Called XXXX, XXXX XXXX and XXXX back in XX/XX/2023 and XX/XX/2023 let them know that this acct is no longer being disputed, and to remove it and delete it from reporting on my credit report. this is fraud as this account have already been paid, and by reporting it on my credit report hurting my credit score.it is now XX/XX/2023 and this negative items are negative impacting me directly with my XXXX XXXX and causing me to be denied loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: DISCOVER BANK
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I received a Discover Bank credit card for {$500.00}. I fell behind in payments for several months and the amount was placed in collections. I have reconciled this account and paid off the amount owed. The account still shows on my credit profile. I have attempted to reconcile this by contacting Discover Bank via phone and I was offered no solutions. Instead, I was told to get help from a " credit specialist. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
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:
See document attached

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 2024-01-07
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased my vehicle in 2019 from USAuto. Ive made every payment on time as well to collateral and principals. I wasnt aware that USAuto had abruptly closed all their doors for business. I also wasnt aware of Westlake taking over my account. Unfortunately, on August 31st my ca was repossessed by Westlake the company I had no knowledge of. I called the police as I thought my car was stolen, who then informed me of what was taking place. I was able to retrieve my vehicle after paying $ XXXX. I then reached out to Westlake to find out how much would it cost me to pay my car in full and obtain my title. The representative stated that all I would need to pay {$240.00}. Which I comply by paying that amount. I receive a receipt with the amount I paid as well as to a note next it stating Costumer pay off I then followed up the following a few weeks afterwards to make sure that everything was ok since Ive havent received my title in the mail. But it was to my surprise, when I called Westlake they informed me that there was a balance of {$560.00}. I asked them where the additional amount came from and the representative stated they wasnt sure. When I called another day another representative state that it was the principal, another representative would go to say that it was a reverse payment from when I payed back in XXXX. When I reached out to my bank financial institution to investigate that particular transaction, I was told that no such thing happened. I added Westlake to the phone conversation with my bank.. he then confessed that I wasnt reversed. Westlake then stated that after doing their investigation it appears to have been a error on their end and that they would work on getting it resolved and removed from credit. But unfortunately as months passed Ive realized that they have not done anything to redo this issue.. despite the fact that I have several recorded conversations with Westlake stating that theyre working diligently to get this removed and that it should be removed from my account within the next 48 hours. Well that was 3 weeks ago and Im still waiting for Westlake to correct their wrong

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 2023-02-13
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX 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 accounts. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, 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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation