BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: AZ
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Credit Karma, LLC
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I attempted to utilize my Credit Karma Spend Debit card in the amount of {$260.00}, knowing I had a balance of over {$1000.00} and was shocked to see that the transaction had been declined. I called Credit Karma on XX/XX/XXXX to inquire as to why it was declined and was told that my account had been frozen, but they couldn't give me any details and would open a ticket. An email was sent with a case number XXXX. I have since called every day, provided required documentation ( bank statements from outside linked account, and copy of driver 's license ) yet my account remains frozen with zero explanation. I have searched online and found there are hundreds if not thousands of other innocent folks with the exact same issue with Credit Karma Spend. In the meantime, I have gone deep into the red within my linked account as I can't transfer money to cover auto bills. I am extremely infuriated that no one can tell me why my account has been frozen, I am transferred every time to a call center in XXXX ( no offense to anyone, just stating facts ) and they just keep telling me they'll 'escalate ' my case, but to this date, my account remains frozen. To not tell me why my account is frozen, not unfreeze my funds and keep passing me on to the next person is enraging and seems 100 % illegal. Please, PLEASE help me get our money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XXXX, XXXX I received notice via the US Mail from I.C. System Inc that they are collecting debt owed to XXXX XXXX. They claim that amount past due was {$1000.00}. This is XXXX of many attempts from several collection companies to fraudulently collect funds from me. The first attempt was from XXXX in XXXX, XXXX. They claimed I owed funds to XXXX. I immediately contacted XXXX and was told I did not owe any funds and they had not requested debt collection from XXXX. XXXX assigned to me a complaint reference number XXXX. I later was contacted by XXXX XXXX XXXX saying I owed funds to XXXX / XXXX. I filed a complaint with the office of Indiana Attorney General on XX/XX/XXXX. The XXXX office investigated but XXXX XXXX XXXX did not respond. Then on XX/XX/XXXX I received notice from XXXX ( another debt collection company ) saying I owed {$1000.00} to XXXX XXXX XXXX. So the attempt by I.C. System to fraudulently collect past due funds is the fourth different debt collection company! On XX/XX/XXXX, I sent an email to I.C. System, Inc stating that no funds are due. They did not respond to my email. On XX/XX/XXXX I was notified by XXXX ( credit report XXXX XXXX ) that I.C. System notified XXXX that I owe {$1000.00}. I notified XXXX and they have filed for a dispute investigation of fraud. The case number assigned is XXXX. This issue has progressed over several years and through four debt collection companies, all of which are fraudulent. Thanks for any action you can take to contact this latest company I.C. System, Inc and ask them to cease and desist.

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 2021-08-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Credit bureau reporting a account that doesn't belong to me.

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 2022-10-07
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-07-28
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Forster and Garbus, is pursuing a debt that is past the statue of limitations in New York State, where I live ( 3 years ) They now have a judgement against me, and have the XXXX county sheriffs office threatening to garnish my wages.Forster and Garbus also known as XXXX XXXX claims the default date XX/XX/2019 in which is past statue of limitations here in NY state.I have contacted the XXXX county sheriffs office and they have already said they will have to take action to garnish my wages. This is a debt that is past the statue of limitations. Thank you for your time and appreciate your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We are XXXX XXXX. We used the card to purchase items for a job performed in Colorado ( live in wv ) from XX/XX/XXXX to XX/XX/XXXX. When we got back home and got paid for the job we called call center and wanted a balance so we could pay off. They gave us a balance of XXXX. We paid that balance by ck. number XXXX. On or about XX/XX/XXXX we received another bill that was pass due with a whole different account number. We tried calling over the next few days to get info and finally got a hold of someone. They told us what the charge was and we agreed that it was a charge for items we had purchased. Although they couldn't tell us how the ACCOUNT GOT OPENED it was for an item we had purchased. We made arrangements to pay, close the account and the company agreed to drop the late fee because of the confusion. That check was mailed on XXXX and was ck # XXXX which brings us to this morning, XX/XX/XXXX. I received a call form citi bank collections stating that I needed to pay immediately. I told them the story and asked to speak to a supervisor. this is where my complaint comes in. There is no recourse for employees not leaving notes on accounts. There were no notes of when I called in XXXX or XXXX. They never started taking notes on the account until I started requesting employee id numbers. It is a web of transfers that will never get you to any result. If you start catching on your are hung up on. I got hung up on 4 times. After the fourth hang up I began to have an understanding of what was going on. If the collections team didn't like what you had to say they hung up on you. Customer service was no different, I got hung up on there too. I spent 4 hours trying to get to someone that would take my complaint. I have all the names and employee id 's of the people i spoke with.I have closed both my accounts with Citi Bank and would like someone to contact me to speak further on the matter from your organisation. At this point I'm not worried about the bill, I know it will be paid, but the process that business is being performed at the call center needs to change. I will no longer support citi bank but its because of the employees, not the services provided.

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 2023-02-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is about my third time submitting a dispute with the Credit Bureau over the past year to clean my credit getting things that are incorrect or invalid removed. I have addresses and inquiries on my report that I've never even heard of and yet they are not taking the steps to look into or to remove. 



2 Duplicate name entries I am asking for 1 to be removed XXXXXXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX I have also asked for Addresses to be removed as I have no knowledge of them. Some are duplicated with incorrect apartment numbers. 

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 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  I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -SHOULD BE REMOVED AS IT IS EXPIRED. 
Inquired on 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 non-monetary relief
Consumer complaint received 2021-08-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I discovered on XXXX that Citi had placed a " roadblock '' webpage after entering my correct user ID and password into both their online banking platform and mobile banking app. This road block had to have been placed within the last four days. The road block webpage required that I enter a card number for card activation. I was confused as I only use a citi credit card, and that card was in my possession, active, working and doesn't expire until 2024. I am now anxious about fraud and even more worried about gaining access to my account information to make sure someone wasn't using my card or savings account, but there appeared to be no way around the roadblock. I tried different web browsers, the mobile app, made sure correct web address, looked at citi for messages about any problems with their website, etc. etc. No luck. I'm extremely anxious now that someone has gained total access to my account ( s ) and ordered new credit cards. 

After a long and painful phone call with citi customer service, I uncover that they have blocked my access to my account information until I activate an ATM card I received when I opened an online savings account with them approximately one year ago. I had no use for the ATM card and didn't want to activate it. Why activate a card I won't use? To me that would just be opening another avenue for a fraudster to gain access to my funds. 

However, Citi decided they were willing to hold my own account information hostage in order to force me to activate one of their products that I didn't want to activate. Does that sound like a proper practice ... ... ... ..the answer is no. But their hostage taking worked, as now I have an activated ATM card and access to my account information.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to XXXX  both via Mail and the CFPB in dispute and complaint before with full attachment and supporting documents from law enforcement and supporting my identification only to have the XXXX  send me a letter stating they have not received it, when I have full receipts from both of the aforementioned.I am once again submitting these items to your office in hopes that XXXX  will acknowledge my dispute/complaint of fraudulent accounts coming forth from identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made a half dozen attempts to have this taken off of my credit as it shows my account is open which it has been closed paid in full and duly noted on XXXX to XXXX occasions by JP chase bank with the profound and profuse apologies Ive even gotten correspondence in the mail email and the dealership in which I determine vehicle and purchase my new vehicle the controller has the information as well as the finance department and the general manager. I am a XXXX XXXX of XXXX who was left with XXXX foreclosures from a ex-husband who left my children and I XXXX and no choice but to relocate to another state and start over. With XXXX years of that on your credit and having to start over as a XXXX XXXX raising XXXX kids you can imagine what this is done to me reliability to get credit to even have a credit card. Ive been more than nice and patient with every phone call Ive made and every person expecting to but every XXXX months this happens again and its destructive and destroying my life. I want every XXXX of the XXXX credit bureaus to receive a letter of apology and correction and whatever they can do to conserve compensate me for the absolute nightmare than dealing with for XXXX years of not being able to get a credit card of not being able to secure a financial home for my son to go to college not be able to have my name on my mortgage because my credit wasnt good enough. Its quite humiliating. Please any and everything you could do to advise me as to what my rights are arabesque about selling and settling this from my best interest and to be sure this never happens again to myself or someone else would be appreciated. Thank you so much in advance. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}

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 2021-07-22
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ARStrat , LLC, mailed me a collection notice dated XX/XX/XXXX, for an outstanding {$20.00} medical debt. 
On XX/XX/XXXX, I mailed to XXXX XXXX, customer support agent at ARStrat , LLC, via certified first-class mail, return receipt requested, a letter notifying them to cease all communication with me in connection with the account associated with the above matter, that if they failed to heed such notice, I would file a formal complaint against them with the Federal Trade Commission, the state attorney general 's office, and the XXXX XXXX XXXX, and that I would contact the original creditor directly to resolve the matter. The return receipt that I received indicated that this letter was delivered on XX/XX/XXXX, and signed for by RS XXXX, whose " printed name '' was XXXX. 
On XX/XX/XXXX, I paid the outstanding {$20.00} balance directly to the original creditor. 
Following receipt by ARStrat , LLC, of my letter described above and my payment of the outstanding balance to the original creditor, ARStrat , LLC, mailed me another collection notice dated XX/XX/XXXX, for the same outstanding balance. 
ARStrat , LLC, then mailed me a further collection notice dated XX/XX/XXXX, for the same outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: MD
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:
Shortly after my twins were born in XX/XX/2018, I took them to XXXX XXXX for a XXXX  appointment. I had health insurance at the time, but when XXXX XXXX submitted the claim for payment, the claim was rejected as the insurer indicated I was not covered. I cleared up this issue with the insurer ( I was covered ) and the health insurer requested that XXXX XXXX resubmit the claim. XXXX XXXX refused to re-submit the claim. I resubmitted the claim myself but the insurer insisted that the provider resubmit it. XXXX XXXX again refused. 

The claim was apparently sold the receivable to XXXX XXXX, who reported 2 claims for {$450.00} to XXXX  ( there was only ever 1 claim ). I disputed these claims with XXXX  and they were removed. Once removed from XXXX, XXXX XXXX then reported 2 claims for {$450.00} ( again only ever 1 claim ) to Experian. I disputed the claims with Experian. Experian has apparently rejected the dispute. However, they did not issue a rejection notice - only a notice that they have updated the claim with new information. It appears they only updated the expiration date of the negative report, but it is unclear as there was no explanation provided

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