BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: IL
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 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 2019-02-14
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX am disputing a XXXX XXXX XXXX debt of {$440.00} from resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This dispute has dropped my credit score by 26 points. I have contacted XXXX  and XXXX  credit bureaus to have them add a fraud alert and credit freezes on both until I can find out what has happened or is happening. As of XX/XX/2019, I have an XXXX  score of XXXX, XXXX score of XXXX, but an XXXX  score of XXXX which is down 25 points which is absurd. XXXX  and XXXX  told me that although I have a freeze on my account, that wont stop the problem of XXXX XXXX XXXX ( ERC, a debt collection company ) from placing this back on my credit. 
Either a new tenant used my cable fraudulently or I was taken advantage of because XXXX XXXX knew that I would not see any payment notices because of me moving. I notified XXXX XXXX XXXX ( ERC ) that this is not my doing and this account is fraudulent. I was told by ERC customer service agent who took my call and gave me a reference # XXXX that XXXX XXXX stated that the customer moved out of town. I had a forwarding address for XXXX  State and never received a final bill notice of {$440.00}. Therefore, I think I was taken advantage of or either this is fraudulent. 

I am currently reaching out to The Attorney General of XXXX, The Federal Trade Commission, The Federal Communication Commission ( FCC ), The Consumer Financial Protection Bureau, and The Consumer Fraud Bureau of the Attorney General of XXXX XXXX  ( Which is XXXX XXXX Headquarters ) to resolve this debt benefit and negligence of XXXX XXXX, an investigation of this dispute from ERC, and to avoid any future credit score drops.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I feel ive been XXXX profiled from Experian I have submitted proof and documents that support an account that does not belong to me several times Ive also asked for old adresses to be removed from my credit profile my requests have been ignored because of my race this company is stopping me from trying to improve my quality of life and improve my credit profile This company is know for giving false credit scores to people based on their race

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 2023-09-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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:
This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauEquifax, XXXX and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Unauthorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted CFPB about a debt collection notice I received from XXXX XXXX XXXX. The account they were trying to collect on was fake. It was for a Citibank credit card that I never opened. I filed the complaint with CFPB. XXXX responded that they purchased the debt from Citibank and insisted I contact them to resolve the debt. Citibank later responded acknowledging that the account was falsely opened and stated that they would recall the account from XXXX XXXX XXXX. Both also CLAIM that they have not damaged my credit. 

If Citibank is acknowledging that the account is fake and that they're recalling the account from XXXX, why is XXXX claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XXXX  I attempted to open an account at Citizens to receive a promotion and use the account for some basic banking. The online opening failed while I was in the funding process and an error displayed to call in or go to a branch. 

I called a local branch and they didnt offer help, they referred me to call in. There hold times are over 20 mins so I had to request a call back. The person told me my account did open, although I received no email confirmation. She told me I could enroll in online banking. 

That didnt work after multiple tries and I had to again call support, wait for call back and get credentials created. 

I said I just wanted to close it because it wasnt even remotely working. I was told I couldnt until my funding transaction from my debit card had to posted. I attempted to set up an external account so I could transfer my funds as soon as it posted, but that didnt work because I appeared to have profile in their back end from an account years ago. More phone calls and told I had to call back after the transaction posted. 

Nobody would reverse my funding and close my account. 

This morning I received an error that my account isnt available in online banking or app. 

This has been the greatest display of incompetence Ive ever seen. This bank is not able to deliver their advertised products and services. By looking at XXXX you can see countless similar issues encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: General Motors Financial Company, Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have had XXXX vehicle leased with GM Financial. In XX/XX/XXXX, my credit union bank account was compromised by fraud and my XXXX banking payments we stooped for XXXX days. Because of this my car payment to GM Financial was not sent to them. I never received any late notices because GM Financial had never updated my address, after multiple times of trying to update it with them. After I received a phone call from them XXXX months later I realized what had happened. I sent GM Financial a letter I received from my bank explaining this situation was beyond my control and was in fact their fault, but GM Financial refused to remove the XXXX late notice to all XXXX credit bureaus, but waived the {$50.00} late fee. Most recently I lease a new car with GM Financial, XX/XX/XXXX, I never received any statement or documentation of the account number, until XX/XX/XXXX. I called several times to check on it and when the payment was to be due, maid the XXXX payments in XXXX and they again waived the late fees and said because it was their fault nothing would be reported to the credit bureaus. On XX/XX/XXXX I received notice there was in fact a XXXX late posted to all XXXX credit bureaus for this new account. I called GM Financial that they claim they never reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THIS IS THE SECOND TIME XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX I HAD A PROBLEM WITH TRANSUNION REGARDING INCORRECT INFORMATION WHICH ENDED UP WTH THEM DELETING THE WRONG INFORMATION AND CAUSING MY CREDIT SCORE TO DECREASE. I HAVE DISPUTED AN ACCOUNT XXXX XXXX XXXX TO BE REMOVED AS A PAID COLLECTION ACCOUNT AND THE COMPANY THAT SUMITTED THIS NO LONGER EXISTS. I HAVE SUBMITTED THE SAME DISPUTED TO XXXX AND XXXX  WITH NO PROBLEM AND THEY BOTH DELETED IT FROM THEIR REPORTS WHICH INCREASED MY FICO SCORE. HOWEVER WITH TRANUNION AFTER CALLING THEM NUMEROUS TIMES TO REMOVE THIS ACCOUNT THEY END UP DELETEING THE WRONG ACOUNT redit changes Current score XXXX XX/XX/XXXX pts to XXXX We found 1 change to your Transunion credit report. 
Accounts Removed XXXX XXXX Account Removed From Report WHICH I HAVE BEEN TRYING TO IMPROVE MY CREDIT REPORT TO GOOD STANDING FOR OVER A YEAR THEY DELETED THE WRONG ACCOUNT AGAIN FOR THE SECOND TIME.IT TOOK ME ALOMST A MONTH THE FIRST TIME 6 MONTHS AGO WHEN THEY DID THIS AND NOW THEY DID IT AGAIN. THIS IS TO ME TO BE FRUAD ON THEIR PART AND THERE IS NO EXPLAINATION FOR THIS. I WOULD WANT TO FILE TO EVERY CONSUMER AFFILIATION ABOUT WHAT THEY HAVE CAUSED ME TO GO THRU SO MUCH STRESS ANDWILLING TO FILE A LAWSUIT AGAINST THEM AS WELL.

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 2023-10-24
Company: Incomm Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My wife and I received two {$50.00} gift cards for our birthdays as a gift from our daughter. She purchased " Vanilla Gift Cards '' from XXXX in XXXX on XXXX, XXXX, XXXX. She paid with her credit card. When we opened up the packages that were sealed, we noticed the last XXXX numbers of the XXXX-digit number on the front of the card were erased. These numbers were not punched, they were flat. There were no signs of tampering with the packaging. The cards were placed in the packaging where you were able to see the back of the card and not the front. In my opinion this was packaged at the factory. When we tried to use the cards, they were declined with no money on the cards. I called up the number on the back of the card ( XXXX ) and because the numbers were erased, I needed to submit proof. I submitted via email to XXXX and received a case number. The receipt from XXXX, a copy of my driver 's license and the front and back of both gift cards. I received one replacement {$50.00} gift card and a few weeks later a 2nd replacement card that had on the front of the card typed in " A GIFT FOR YOU {$.00} I called several times and I'm still waiting for the 2nd card. I've researched on XXXX and it seems to be a problem with this company. This is a scam, and they are making it difficult so people will give up and they get to keep your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
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:
Several companies ran my credit without authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX I XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC 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 2023-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account in dispute : XXXX XXXX I have provided full payment to XXXX XXXX for the alleged debt. It had been paid as agreed and never late but its showing as closed and incorrect payment history. 

I have provided certified proof the alleged debt was paid attached Please provide me with ALL documents XXXX has as evidence to prove this alleged debt.

Company response to consumer: In progress
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: LA
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 confidentiality under 15 USC 1681.

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 inructions 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 2022-07-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
Credit Acceptance ( Furnisher ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
Credit Acceptance stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and XXXX payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, Credit Acceptance failed to report payment delinquency information on credit reporting payment history. 
Credit Acceptance is furnishing re-aged payment history reference " payment history legend. '' Credit Acceptance " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per XXXX online credit file, Credit Acceptance is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, Credit Acceptance is redirecting me to address inaccurate information on my credit file to XXXX, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, Credit Acceptance has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my XXXX credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit file.

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 2023-10-25
Company: Credit Sage LLC
State: WA
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 am writing to file a complaint against Credit Sage LLC. On XXXX  XX/XX/2023, Credit Sage LLC made an unauthorized charge to my debit card for the amount of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) without my permission, credit sage accessed my social security number and my credit report without my permission, they accessed one of my personal identity theft protection and credit monitoring service accounts and changed my password, they misled me to thinking they were a different company ( I was trying to reach XXXX XXXX XXXX ). I have attached a copy of my bank statement and my correspondence with Credit Sage LLC to this complaint. Credit Sage 's unauthorized charge to my debit card violated several of my rights, the Electronic Funds Transfer Act ( EFTA ), the Fair Credit Billing Act ( FCBA ), the Consumer Fraud and Deceptive Practices Act ( CFDPA ), and Washington state laws RCW 9A.56.020 ( 1 ) ( b ), RCW 9A.56.030 ( 1 ), RCW 9A.56.040 ( 1 ), and RCW 19.29A.030 ( 1 ), The Truth in Lending Act ( TILA ), The Gramm-Leach-Bliley Act ( GLBA ), The Computer Fraud and Abuse Act ( CFAA ), The CFAA prohibits unauthorized access to computers and computer systems . Credit Sage LLC used my SSN to access my credit report and other personal information without my permission, they are violating the CFAA. Credit sage LLC is actively engaging in the act of violating the Federal Trade Commission Act ( FTC Act ) : The FTC Act prohibits unfair or deceptive trade practices and the XXXX XXXX Consumer Protection Act : The XXXX XXXX Consumer Protection Act prohibits unfair or deceptive trade practices in XXXX XXXX. The full refund amount is not enough for the laws that they have broken and the stress they have caused unto me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: KY
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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