BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: CITIBANK, N.A.
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:
In accordance with the fair reporting act XXXX XXXX account # XXXX Macys Credit Card Account number ending in XXXX has violated my rights 15 USC 1681 Sec 602 states I have the right to privacy 15 USC 1681 Sec 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 

Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX AccountXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-18
Company: Westcreek Financial
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
WEST CREEK FINANCIAL DBA on my credit report says I owe XXXX for a car. I've not had any vehicles that cost the original loan amount of XXXX think someone has bought a car with my information because this isn't right. Last car I had was a XXXX XXXX XXXX  for XXXX this definitely isn't it. Please help me fix this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX, XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  XXXX XXXX : {$650.00} ; XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00}

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 2020-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
See attatched Tracking XXXX Proof Delivery to XXXX  XXXX XX/XX/XXXX. See attatched XX/XX/XXXX Letter from me to XXXX Requesting VERIFICATION OF USAA & XXXX  ACCOUNTS. MAIL FRAUD Criminal Investigation USPS DELIVERIES NOT MADE XX/XX/XXXX. See attatched XXXX XX/XX/XXXX. See attatched XXXX Reports. See attatched FTC ID Theft case XXXX. My complaint is : Despite written requests the unverified original signatures of delivery into my hands and XXXX License & Signature VERIFED I Opened Accounts have not been provided. The Accounts still remain on my credit report in violation of Federal Law. XXXX is required under FCRA to have a copy the original creditors documentation on file to verify that this information is mine and correct. In the reports XXXX   stated " VERIFIED '' that these items were being " REPORTED CORRECTLY ''? Who verified these accounts? XXXX has 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 ) & SECTION 611 ( a ) ( 1 ) ( A ) Furthermore XXXX failed to provide the method of verification required under SECTION 611 ( a ) ( 7 ) Under SECTION 611 ( 5 ) ( A ) of the FCRA REQUIRING XXXX to " ... ..... 
Promply DELETE all information which can not be verified ". *THE LAW IS VERY CLEAR THESE BANKS ARE REQUIRED TO BE (  ADA 2.1 COMPLIANT ACCESS TO ALL XXXX. ) I HAD NO ACCESS TO THESE ACCOUNTS. * The Law is very clear as Civil liability SECTION 616 AND 617. I DEMAND XXXX  VERIFY THE XXXX  & USAA ACCOUNTS WITH ORIGINAL DOCUMENTATION OR DELETE IMMEADIATELY. I have only recieved credit reports claiming these accounts are verified, I have the right to ask for the original signed contracts wit ID to truly verify my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Commonwealth Financial Systems, Inc.
State: TX
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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: SC
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 confidentially under 15 USC 1681 : Accounts : XXXX XXXX Accounts : # XXXX & XXXX & XXXX Seller : XXXX XXXXXXXX XXXX 
Comments : Consumer  sent settlement letters, no response. 

XXXX XXXX Accounts : XXXX Seller : XXXX XXXX Comments : Duplicate accounts showing on credit report. 

XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # Seller : XXXX XXXX XXXX XXXX Account # XXXX Seller : XXXX XXXX XXXX Comments : XXXX XXXX XXXX  has gone XXXX and failed to fulfill original contract of providing new vehicle once current lease was paid at least XXXX XXXX purchased debt and has assumed loan servicer title XXXX XXXXXXXX XXXX Account # XXXX Comments : Consumer sent settlement letters and has yet to receive response. Delinquency due to job loss.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 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 explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-18
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of the apartment in question on XX/XX/XXXX. I returned the keys and was told that I would receive my security deposit back minus any fees within 30 days. I never heard anything from them but the deposit was low and I had moved out of state so did not try to obtain this back through small claims. 
XX/XX/XXXX, IQ Data international  added a collection account for this rental property to my credit reports with the amount of {$810.00}, plus fees totaling {$1000.00} which has further increased to {$1000.00}. It states it had been an open account since XX/XX/XXXX. 
Now according to XXXX XXXX XXXX XXXX a rental property has 30 days to furnish to the tenant a written itemized list of the damages for which the security deposit or any portion thereof is withheld, along with the balance of the security deposit. 
The landlord shall have complied with this subsection by mailing such statement and any payment to the last known address of the tenant. 
This never accorded. To this day, I have never received any notification of anything from the property or collection agency. Therefore they have both violated XXXX XXXX XXXX XXXX 
30 days would have been XX/XX/XXXX. It has now been XXXX days since I returned the keys, it was XXXX days between moving out and this account being opened and XXXX  days until it showed up on my credit report and I was aware of it. I have not received any communication regarding this debt. 
I have disputed it with all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX to no avail. I have not been able to get in contact with IQ Data International but tried on XX/XX/XXXX by phone. 
In addition to this, IQ Data International have misspelled my name. My name is XXXX XXXX XXXX but they have spelled it XXXX XXXX XXXX. So this is not even me but they have added this weird name to my report. 
All in all I have no idea why I have this collections and it is in violation to the law so needs to be removed. XXXX properties incorrectly sold it as they never notified me of anything within the allowed 30 days. Again, this is a violation of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-02-15
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I received the attached promotion from the merchant for an American Express Gold Delta Card. I applied for and was approved for the card on the same day. The business confirmed that I would need to spend {$2000.00} by XX/XX/XXXX, to receive the XXXX bonus miles. 

On XX/XX/XXXX, I noticed a credit in the amount of {$300.00} on my account. When contacting the business, it informed me that a different promotion was honored but it would open an inquiry to cure the issue. I received XXXX instead of XXXX bonus miles from the business after meeting my spend threshold. 

In followup, I contacted the business on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each time I was given a myriad of explanations and told that the inquiry was still unresolved. On XX/XX/XXXX, I submitted copies of the promotional offer to the business to support my open case. On XX/XX/XXXX, after threatening to get the CFPB involved and/or institute proceedings to close my account, I was informed that the resolution is it would not honor the original promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Good afternoon greetings. My bank account at Bank of America was blocked on XX/XX/XXXX and in XX/XX/XXXX they informed me that they closed my account, I was the victim of a scam, two bank accounts made a transfer as a result of a sale and purchase of Bitcoins, these transactions were successfully executed, but these people called the bank and indicated that their accounts were being hacked, as a result of which the bank decides to block my bank account, I proceeded to send proof that these people received the bitcoins in a satisfactory manner, these tests were sent three Sometimes, the bank arbitrarily decided to close my bank account and debit the amount claimed by those people. I received a letter from Bank of America informing the closure of my account and that the remaining money {$6400.00} would be sent by check to my home address. Eight months have passed since they blocked the account and they still do not return the money, every time I call the bank to ask what happened to my money, they divert the calls, they lie to me, they even told me that they had returned the money to the company I work for, which is not true, and on repeated occasions they hang up on me. I appreciate you can give me a solution to this problem with my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-11
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I applied for assistance via our mortgage company, Planet Home Lending. Between XXXX, I provided them with all of the documents they requested. On XX/XX/XXXX, our application was marked completed and we were told it would take XXXX days for us to receive a response. On XX/XX/XXXX, I contacted Planet Home Lending via phone and was advised it could take up to 60 days to receive a response. On XX/XX/XXXX, we received a letter from Planet Home Lending via mail. The letter stated that we would be in a repayment plan starting XX/XX/XXXX. The wording on their letter isn't clear, and I've asked for clarification. On XX/XX/XXXX and XXXX, I was told that a request would be submitted to correct our late reporting to current. On XX/XX/XXXX, I sent an email asking for clarification. I received an automated email that it could take up to 5 business days and would be forwarded to the correct department. I decided to call instead and I spoke with XXXX different people and was all advised that I should've made payments on time, my credit will show as late, and there's nothing that can be done. On XX/XX/XXXX, I contacted again because a fourth month was marked as late on our credit report. Again, I was transferred around until I spoke with XXXX in customer service who politely explained our repayment plan in detail including terms and conditions that weren't clearly and properly explained to us. Planet Home Lending 's repayment plan doesn't provide us protection against late payments and our payments will reflect as late for XXXX months, dinging our credit reports up to 50 points each month. Once the repayment plan ends then, our payments will reflect on time. No additional support was provided except for us to pay {$9600.00} which is impossible to do. Had we known this would've been the case, we could've paid the XXXX months back mortgage payments in XXXX when I received my father 's life insurance check. There is no direct line to reach our migration specialist and I've only spoken to her once and that's when I called to complain. XXXX was rude, not empathic, and horrible to deal with. Our loan was sold to this company last year and until we needed assistance, we'd never had any issues with them. I wish our loan had never been sold. How this company is still in business is beyond me. They hid behind unclear wording and do not properly communicate. I've only spoken with XXXX agents that went above and beyond. As soon as we can build our credit back up and are eligible to refinance, we will be going with our XXXX XXXX.

Company response to consumer: Closed with explanation