BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
He said hes from a collection agency and said i owe some debt, he basically put interest in all my assent from my car payment, my mortgage my utilities. Basically everything I own. Now I found out hes been going into my bank account and withdrawing large sums of money. Taking out loans and all of my direct deposits from my irs refunds. And taking out escrows from my house trying to put my mortgage into default with use of authority and extortions.

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 2023-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had unathorized purchases on XX/XX/XXXXand citizes has refused to correct, put my monwy back in and charged me {$100.00} fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Self Financial Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They have continually charged me extra interest apart from fees about having insufficient funds but charging me twice plus a few times of {$15.00} plus interest for payments they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: SUNRISE CREDIT SERVICES, INC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account listed on my report from Sunrise Credit Services for {$250.00} opened on XX/XX/2022 and lists an original creditor as XXXX XXXX. I have no idea what this account is for, how old the debt is, where the debt came from, who authorized that debt, I have nothing. I never received anything in the mail from these people with an itemized list of this debt, nothing. I disputed it with the credit retailers ( all three of them ) and they have allowed this to remain on my 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 explanation
Consumer complaint received 2023-11-13
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: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : 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 2022-12-29
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:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before 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 creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

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 2023-11-06
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: QC HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have received 8 calls in 3 days. They have also started calling my references asking for me. Called them and made a payment.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
see letter enclosed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : EXPERIAN XXXX XXXX XXXX AND XXXX IN XXXX TEXAS XXXX RE : REQUEST TO MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPRTING STANDARS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY AND COMPLIANCE ELSE WISE OF EVERY SINGLE ONE EACH ANY OR ALL THE ASPECTS OF ALLEGED ACCOUNT INFORMATION DOCUMENTARIFY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. 

NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF THRUTH, ACCURRACY, COMPLETENESS, AND COMPLIANCE TO METRO2 SOO PROVE NOW OR DELETE CLAIMS. 
UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annuled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY METRO 2 COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBALLY OR WRITING PERMISSION TO EXPERIAN TO FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW collection charge off account XXXX Date : XX/XX/XXXX ALSO DATE OF ACCOUNT APPEARS ITS WRONG WAS IN XX/XX/XXXX XXXX XXXX CC.DRIVER LICENSE CC.PROF OF RESIDENCE CC.SOCIAL SECURITY

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 2023-05-25
Company: EQUIFAX, 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:
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 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 non-monetary relief
Consumer complaint received 2020-02-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Everytime I contact American Express to see if my application for a corporate card was approved -- they apologize and tell me they are still working on it. They say the same thing over and over. It's been 6 months since I applied. Pls note just 1 of my chat sessions below : Thank you for contacting American Express Global Commercial Services. My name is XXXX. How can I help? 
You at XXXX, XX/XX/XXXX : Hi XXXX how are you doing this afternoon XXXX at XXXX, XX/XX/XXXX : I'm well. How are you doing? 
You at XXXX, XX/XX/XXXX : I would like to know the status of my application for the Amex Corporate card program You at XXXX, XX/XX/XXXX : I put an application in XXXX and have contacted Amex on several occasions and i have not heard anything. 
XXXX at XXXX, XX/XX/XXXX : Okay. I'm in a new acquisitions channel so I don't have access to see your application. You can get in touch of the representative that was assisting you with the application or you can contact our corporate help desk. 
You at XXXX, XX/XX/XXXX : No You at XXXX, XX/XX/XXXX : What department should i go to because i am not getting any help from my representative XXXX at XXXX, XX/XX/XXXX : what's the name of your company? 
You at XXXX, XX/XX/XXXX : XXXX XXXX You at XXXX, XX/XX/XXXX : here is an email i got from XXXX on XX/XX/XXXX where XXXX said this was unacceptable and way past XXXX 's You at XXXX, XX/XX/XXXX : Hello XXXX, Thank you for reaching out via our chat channel this afternoon. I understand from that conversation that you have an application that has been delayed well beyond the normal timeframe. I am currently doing research on your account but just in case I am sending my direct contact information as you requested. 

Best, XXXX XXXX | DIGITAL SALES CONSULTANT | U.S. COMMERICAL ACQUISTION GROUP GLOBAL COMMERCIAL SERVICES AMERICAN EXPRESS XXXX at XXXX, XX/XX/XXXX : I found your opportunity I can reach out to the representative to have them get back to you on the status. 
You at XXXX, XX/XX/XXXX : I was last told that it would take 5 to 10 business days and now it has been 14 days You at XXXX, XX/XX/XXXX : I do not want to be dished off again to someone else that will not help me. 
You at XXXX, XX/XX/XXXX : Can i get a manager in charge of that department You at XXXX, XX/XX/XXXX : I need to speak with someone that can help me. An application should not take 5 months this is ridicoulous XXXX at XXXX, XX/XX/XXXX : I'm sorry that you haven't received a decision yet, I know that can be very frustrating. If you would like to provide me your phone number I can have one of my leaders to contact you so we can get an update on your account. 
You at XXXX, XX/XX/XXXX : Okay. I need someone to call me TODAY. My phone number is XXXX XXXX XXXX Direct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a copy of my credit report with all 3 major bureaus, and found erroneous information being reported by Portfolio Recovery. I am unaware of how they've obtained my personal information without my authorization/knowledge. 
In attempts to resolve the issue I mailed a certified letter on XX/XX/XXXX asking the agency to VALIDATE the alleged debts owed on said accounts ( 2 ) under the Fair Debt Collection Protection Act. I requested the agreement that I signed, the original contract, a copy of their state license for Maryland and a full calculation of the balance and payment history. 
I was provided a one month billing statement from XX/XX/XXXX-XX/XX/XXXX. 
This is not sufficient and doesn't prove obligation to the alleged debt. I am disputing this debt. 
They are also reporting delinquent /negative information to all 3 credit bureaus and I am requesting they be immediately deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Velocity Portfolio Group
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:
have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # 3 accounts here that are under Identity theft that I wasn't able to add XXXX XXXX XXXX XXXX XXXX XXXX  I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )

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 2023-07-19
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:
I mobile deposited a check in my year old account on XX/XX/2023. Said funds would be available next day. Check caused a fraud notice because citi could not verify check. Account is frozen. Called multiple times and even had XXXX XXXX, where the check originated from, tell me it was valid. If chase can why not citi? Not only can I not deposit this VALID check, ALL my funds are frozen and citi refuses to do ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Auto Trakk, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Had a car financed through Autotrakk in XX/XX/XXXXfor {$18000.00}. Paid majority of balance with a perfect payment history with {$710.00} balance remaining in XX/XX/XXXX. Had some financial woes due to illness. Tried to work with company to pay off balance, they repossed car without warning. Company who collected the car towed the car on two wheels with no key and wheels locked. Car was taken to a city 2 hours away from where I live which prevented me from getting my possessions out of the car. They sold car without my knowledge or even informing me so I could never get my things. And instead of subtracting the profit of the sale from my balance, they increased my balance to show {$1500.00} owed on my credit. Recent call on XX/XX/XXXX with rep XXXX confirmed the accurate balance of {$710.00}. But each time I tried to dispute balance on my credit they made no changes or correction to the balance. Paid off account for {$380.00} on XX/XX/XXXX. But I'm sure car was sold for more than what my remaining balance was amd they never gave me the opportunity to get my car back when they initially took the car! That was unfair and should be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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: Old information reappears or never goes away

Complaint:
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

XXXX opened XX/XX/XXXX closed XX/XX/XXXX XX/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 2020-11-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I called the original creditor after getting a fraud alert and reviewing my credit report. The creditor told me to reach out to Transunion which I did. Transunion instructed me to send in a letter and other documentation which I did. Transunion has still not processed my request and it has been over 7 business days. The unauthorized inquiry is still showing and only with Transunion. I did not apply for anything or give anyone permission to access my credit report on the date showing it was done XX/XX/2019. According to FCRA, legally these unverified and unauthorized items must be removed!

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