BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX 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 2021-01-14
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE NO PAPER TRAIL STATING THAT I OWE THIS DEBT. I DONT EVEN KNOW THE REASON FOR THE CREDITOR ( BOARDWALK FOR AN APARTMENT I DIDNT LIVE IN. ALL I DID WAS DO THE APLLICATION AND PAY THE APPLICATION FEE. I NEVER HEARD FROM THEM AGAIN AFTER FILLING OUT THE APPLICATION. I DONT HAVE NO TYPE OF CLUE WHAT THIS IS REALLY ABOUT. I TRIED CALLING THEM COMPLEX ON XXXX JUST TO FIND OUT THE PROPERTY HAS BEEN BOUGHT BY A NEW COMPANY AND THEY HAVE NEW SYSTEMS. I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE. I'VE WRITTEN THEM A LETTER ASKING FOR VALIDATION TO VALIDATE THIS DEBT. THE LETTER WILL GO OUT TOMORROW ON XXXX. THIS HAS BEEN A NIGHTMARE, I DIDN'T FIND OUT UNTIL I TRIED TO GET AN APARTMENT FOR THIS XXXX TO RELOCATE FOR A BETTER PAYING JOB.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX  Balance : {$460.00}.

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 2023-05-02
Company: KEYCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I just received an adverse action notice of denial due to unable to verify identity after I've submitted every verifiable document on my application. Also, being denied with XXXX FICO score which violates 1002.7 denial credit to a credit worthy applicant. 

How was I denied? When I'd verified my identity?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Sir or Madam : I opened a business account for Florida XXXX XXXX XXXX XXXX at the Fifth Third Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This account was opened because they promised great customer service and a personal experience. Opening this account was a very long process that took well over a hour. I deposited {$60.00} into my account and was told they had all the information and paperwork they needed. 

After opening the account, they informed me it would take 90 days to obtain a credit card, which was a large contributing factor into opening the account. I called the representative that promised the personal service. I called his direct number, and left a message for him to call. He never returned my call. I called the bank manager, and her supervisor, only to leave messages, and I did not receive a call back. At this point I decided to close the account. 

I was finally able to take the time to go into the branch and close the account, only to be informed it was already closed. They closed the account without notification, sighting they did not have all the documentation they needed. I was told by the bank manager they would mail me a check within 30 days. The check did not arrive. I was told by the branch manager, that there was a mistake made, and I had to wait an additional 30 days for my check.

I am not sure of the exact date, due to not having any records of the account. I have repeatedly requested this information form Fifth Third Bank, they say they sent it, but I have yet to receive it. Additionally, they said three times, that they sent a check for the {$60.00}, yet again, I have not received it.

At this time, I would like to file a formal complaint, and request a check for {$60.00} plus interest. I am out a total of 4.5 hours of my time dealing with this. Please call me at the number below if you have any questions. 

Thank you for your time and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022. I checked my credit report and I noticed there were several created accounts on my credit report. There were four created accounts created on the same day which I did not apply for and there was one that was created a day before the four. I did not apply for any bank or credit cards. I have attached a identy theft affidavit with a list of all the fraudulent accounts. Remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023 Citi Bank Randomly Lowered my Credit Limit on My credit card with them from {$10000.00} to {$300.00}. I never missed a payment with Citi and I have had the card for years and I have a good credit score. I fear I am being bullied by the Big Bank of Citi and I fear liquidity issues with the bank being the reason for the pro-active lower credit limit. This is an INSANE DECREASE. 

I have multiple credit cards with CITI. My citi credit card ending in XXXX lowered to {$5900.00} from {$9300.00} On XX/XX/2023. I requested in writing to restore my limit and they refused. 

These credit limit decreases has caused me decline transactions, hardship, grief and pain and negatively impacted my credit report. Also the Bank cites them periodically checking my credit report and cites things on my credit report but I never authorized them to randomly pull my credit report and I think they are in violation of law by pulling my credit report without my permission. 

I think this is atrocious what Citi is doing to me and I think they need to be fined and they need to restore my credit limits. I have been a customer of Citi for 9 years and havent missed a payment. I think they are a disgrace for what they have been doing to me. 

Citi reasoning on the letter is " Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines but many of my credit cards with other banks are fully paid off so this is a lie. I think this bank is having liquidity issues or they wouldnt be doing this.

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 2023-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was a victim of check fraud of {$1000.00} on XX/XX/XXXX. I had remote deposited the check in my savings account. When I realized that it was fraud, I went down to my branch to notify them. I never spent the money. I was told that if it happens again, my accounts will be closed. Meanwhile, both my savings and checking accounts were on hold and I had no access to my money. Both accounts were closed on XX/XX/XXXX. I had {$1300.00} in my checking account. I received a check from Chase for only {$440.00} on XX/XX/XXXX. I called the number XXXX on XX/XX/XXXX and was told that the check for {$900.00} must have been lost in the mail and another check was requested. Never received check. Called again on XX/XX/XXXX and was told a check was never issued for {$900.00} and that there were XXXX - {$300.00} checks holding up payment. The CR could not find any deposit for those XXXX checks and said he would request another check for {$900.00} be mailed. Never received a check. Called again on XX/XX/XXXX and was told a request for the {$900.00} was refused because the XXXX checks couldn't be verified. I was finally told which XXXX checks they were referring to and was able to get them verified. Was told a check would again be requested. Today is XX/XX/XXXX and still have not received my money. I have been without my money for XXXX  months!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
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:
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. 

The XXXX Accounts number, XXXX XXXX XXXX, XXXX {$820.00}, XXXX XXXX XXXX {$460.00}, XXXX XXXX XXXX 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 is 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX at XXXX XXXX, I applied on line, for my " Free '' Credit Reports at XXXX. I provided all of the requested personal information, and correctly, from my financial records, answered all " Security Questions '', as requested by the CRAs.

I received my " Free '' Credit Reports from XXXX and XXXX XXXX on line immediately. 
Equifax, however, declined to provide my report on line, and provided me with a PDF form to request this information, by mail. In addition, Equifax stipulated what documentation I had to provide in order to prove I was who I said I was. 
This information, included : Copies of my Social Security Card, A Pay Stub with SSAN, and W2 Form. for Identity Confirmation ; and for address confirmation, Drrivers License, Rental or Lease agreement/house deed, pay stub with address, and utility bill. 

Complaint : 1. Equifax had sufficient verification, to issue me an immediate Free Annual Credit Report, but elected to stonewall in an attempt to circumvent the requirements of providing an annual credit report without cost to me. They are of course hoping to sell me a " For Fee '' Credit report, only verification needed would be my Credit Card. which is what happenedto me the last time I requested a Free Credit report from them in XXXX. 

2. Information requested is unreasonable, and exactly what the FTC and Consumer Agencies advise NOT to provide, to prevent identity theft. ie : SS Card, Drivers License, and Deed. That's all an identify thief needs to not only steal my identity, but clean me out. I have lived at the same location for 33 years, which they know. I am retired, so I do not have Pay stubs, or W2 forms. I no longer have a residential telephone to bill, and all utility bills are paid online without paper billing. 

It should be noted, that the other two CRAs, XXXX  and XXXX, found my online verification sufficient to provide me with a report, and did not make unreasonable requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

This account should not be furnished on my consumer report as they are in VIOLATION!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY! 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
BP Mastercard puts up multiple roadblocks to closing an account since even if you stop using it they want to continue to charge fees. After 5-6 hours and dozens of calls a multiple emails I was finally able to close our account on XX/XX/2023. Confirmation no. Issued confirming closure. Now over a year later we are still billed for misc fees. When I attempt to resolve they claim Im not authorized to send EAL with them only my bookkeeper who retired a year ago. I have all the codes and passwords and opened the account with my name and SS 10 years ago but they dont care. Anything to keep the money trail of bogus fees. Im sure Im not the first to complain about this disreputable shameful company.

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 2021-01-14
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I began receiving phone calls from Credence Resource Management. I do not answer calls from unknown sources. The phone showed " Credence Rsrc '' which I assumed was a polling call due to the XX/XX/XXXX GA runoff election. I ignored them until after the runoff. When I answered the first call, someone quickly mumbled something and then asked if I ever lived at an address in XXXX, TN. I replied no. They then asked for the last 4 digits of my SSN. I refused and hung up. On XX/XX/XXXX, Credence filed a Major Derogatory status to my credit. Both XXXX and XXXX alerted me. On that same day, I filed a Dispute Claim with XXXX and filed a fraud claim with all 3 credit bureaus. I also filed a Resolution Ticket with XXXX XXXX. 
On XX/XX/XXXX, Credence called me again and I answered. This time the agent clearly identified himself and asked the same question about ever living in XXXX, TN. When I replied no, he asked for the last 4 digits of my SSN. I again refused and I argued with him about having the wrong person and to remove the Major Derogatory claim on my credit. He transferred me to a supervisor who again asked for the last 4 of my SSN. I refused the request. I repeated that I was not the person who incurred the debt and to remove the claim on my credit. He advised me to email them. 
I engaged the services of an Attorney and she advised me that Credence should have sent me a notice of the debt. I received no such notice. My Attorney advised that I should file a claim against them with the CFPB. I am sending Credence a certified letter on XX/XX/XXXX requesting them to remove the Major Derogatory claim on my credit and immediately stop contacting me. 
The debit is for {$89.00} from XXXX XXXX XXXX XXXX. I have never done business with XXXX. I have never lived in XXXX, TN. I did not incur this debt and will not pay it. I believe Credence did not perform due diligence to issue a notification, as required by law. I also believe they made minimal or no effort to find the correct person for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt is not valid. I do not owe AFNI or XXXX. 
When/prior to I canceled my account with XXXX, XXXX verified account was paid in full. IT was paid IN FULL. 
Then they tried to charge cancelation fees after the fact. and I refused to accept charges as my account was closed. 
AFNI bought an invalid debt and tried to collect. 
I informed them that the debt was invalid and needed wet signatures of original debt. 
They refused to provide documentation. 
I asked them to stop contacting me and to stop reporting to credit bureau. 
They refused. 

They are negatively and falsely effecting my credit report and refuse to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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