BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXXXXXX XXXX XXXXXXXX account appeared on my credit report after the XXXX date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the XXXX data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX  XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment historyXXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrong.XXXX XXXXXXXX last active date and open date are wrong. This is not my account.XXXX  data breach XXXX XXXX XXXXXXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through XXXX. Please remove all accounts for reasons I have listed above.

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 2023-06-27
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have received 77 phone calls and subsequent robo voicemails from XXXX XXXX XXXX since XX/XX/2022. I have repeatedly told them to stop contacting me to no avail. they are now threatening " legal action. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: Internal Check Systems, LLC
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 is missing that should be on the report

Complaint:
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXX  XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX XXXX XXXX reporting.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 explanation
Consumer complaint received 2018-08-27
Company: Select Management Resources, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Excessive contacts daily, including calling references regarding my account. 
Threatened to repossess my vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXX, # 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 an 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. 

Further more XXXX XXXX issued a public statement about child support, liens and fines will no longer be reported on credit report yet it is still be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
On XXXX-18 my lease with GM Financial was closed as a result of GM doing a buy back on my car because of mechanical issues. The account was paid off by GM when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from GM showing I have a {$0.00} payment and 0 payments left on my account. I called GM approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, GM reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with GM and have not recieved a response. I also contacted XXXX who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX I reported an unauthorized purchase to XXXX in XXXX for {$310.00} made on XX/XX/XXXX. I called to make certain that the emergency XXXX day restoration of those funds were provided as promised in the call to Citizens Bank. Yesterday, during a subsequent discussion with Citizens, although each day funds are added to avoid overdraft fees, the bank wouldn't verify the emergency restoration promise, despite several attempts to stop the draining of my account. I can't possibly replace the large amount to avoid further problems with my account, and wonder how to possibly move forward without overdraft fees beginning today. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-07-09
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The company charged me for items and has been billing me for items that I did no purchase or receive. This is very aggravating as I have tried discussing and they still have advised they will continue to bill me. They have charged me more than double multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX entered a consumer credit transaction with American Express during XX/XX/2019. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. I have notified the CRAs of this, still no response. 
American Express was also made aware of violation Federal law pursuant to 15 U.S.C. 1692d ( 5 ) -I received thousands of calls from American Express attempting to collect a debt without my consent outside of convenient hours which is deemed harassment. 

Attached below also is proof that American Express has received my affidavit of truth via certified mail. 

I requested American Express to provide the following to validate the debt : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
VerificaYon that this debt was assigned or sold to collector. 
Complete book keeping & accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have two accounts with citi cards. I closed both accounts a year or two ago. I have been making payments on both and have not missed any. When I closed them I was told that the interest rate would not change on a closed account. A couple months ago they started raising the rate. It was 14 % since I closed it. Then it went to 16 and then 17 %. At first I called them and after speaking to 10 different people I was told they would change it back. The next statement it went up another %. I was told it would change back on my next statement. I called again and I was told that it would be fixed by my next statement. The next statement no change. How can I get them to stop raising it and put it back to the original 14 %?

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 2023-05-18
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX continues to report negative entries on my credit profile long after the 30 days that this furnisher had to provide me the information pertaining to this debt, specifically the ORIGINAL SIGNED DOCUMENT as well as THE NAMES AND ADDRESS OF WHOMEVER VERIFIED THIS DEBT BELONGS TO ME. 

As a result, they are in violation of FCRA law 15 U.S.C 1681i ( a ), as well as FCRA Public Law 91, -506, title VI, Section 611, Subsection A-D ). 

XXXX has provided me with the statement breakdown of this debt, but has practiced deceptive methods in failing to provide me with the additional information, stated above, to prove this debt belongs to me. Profoundly they are also in violation of FDCPA law, under section 807 11.

I have now sent each Bureau two dispute different dispute letters, advocating for the removal of this account from my credit profile and still have seen no changes made. The letters are attached below.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX XXXX XXXX  I received a letter from Bank of America stating that my claim had been resolved in my favor and the amount of {$17000.00} was in my prepaid edd card account. Since it had already been over 2 yrs since I had filed the claim I no longer had the edd debit card so I went ahead and ordered a new card. Once it arrived I activated it and I went to the Bank of America ATM and withdrawled {$1000.00}. Then I proceeded to go to XXXX. I went to the pharmacy and made a purchase, during this purchase I did enter the pin in wrong 2x. The purchase went through the 3rd time. Then I went shopping at the same store immediatly after my first purchase. Once I got up to the register and swiped the card for my purchase it was declined. I called the number on the back of my card and they said they would have to verify me first. After being transfered the lady said she couldnt verify me by my phone number so she asked for my email which is the same email that they have on file and have been sending monthly statements to for over 2 yrs now. She couldnt verify me with that either. I was told that inorder to get my money that I have been waiting on for 2yrs now that I would have to go into the bank with 2 forms of ID and get verified by a bank mananger. I told them that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and thety told me the only other option was to sign over a power of attorney to someone so they could go in the bank and get my account unlocked. This is not right for BofA to just lock my account when no my transactions were not fraudluent and I had verified everything from deposits made to purchases made. I need my money and I have waited long enough.

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 2018-10-17
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX Has Been Notified Several Times They are Attempting To Collect On A Phantom Debt. It Is An Act Of Attempted Grand Larceny To Illegally Seize Private Property And Attempt To Collect On A Debt Related To a Forged Quitclaim Deed And a Fraudulent Grant Deed That Was Used By My Ex Husband And His Current wife To Obtain The 2 loans in Question. I Submitted A Police Report Documenting The Forged Quitclaim Deed A Copy Of My CA ID identifying Who I Am And Relevant Copies Of The Quitclaim Deed And Fraudulent Grant Deed and Supporting Documents While XXXX XXXX Investigators Have Not Acknowledged Receiving This Information I Have Submitted Several Times Including By PDF Number 25 Through The CFPB System. The Debt Collection Agency On This Complaint Never Contacted Me directly To Validate The Debt Nor Did They Acknowledge That I Served Them With A Letter To A Debt Collector With Required Documentation Attached, Which They Never Responded to In Violation Of FDCPA and FTC REGULATIONS. That Was Notice For This Debt Collection Agency To Cease And Desist The Default Forclosure Action On My Home As They Have Not Validated The Debt They Are In Violation Of California Penal Code 115 PC Which States Filing A False Document Under California Penal Code 115 PC Makes It A Felony To File Any Forged Or False Document With A Public Office. I Submitted To XXXX XXXX The Identity Theft Forgery Questionnaire, They Did Not Acknowledge This Or Any other Documents I Submitted As XXXX XXXX Was Served On XX/XX/2018 Via USPS via Certified Mail And The Debt Collection Agency In This Complaint Was Also Served On XX/XX/2018 Via USPS Certified Mail with Relevant Documents. XXXX XXXX  Has Never Addressed Or Contacted The XXXX COMMERCIAL CRIMES DIVISION TO CONFIRM THEIR FINDINGS OF THEIR INVESTIGATION THAT IS PROOF THE QUITCLAIM IS A FORGERY VIA STATEMENTS RECIEVED FROM THE NOTARY WHO, S INFORMATION STAMP ETC WAS ILLEGALLY USED IN THAT TRANSACTION AND THE NOTARY SAID I NEVER APPEARED BEFORE NOR IS THEIR ANY LISTING OF THIS DOCUMENT IN HIS LINE ITEM SEARCH. I WANT A DIRECT EXPLANATION FOR THIS VIOLATION OF THE LAW AND FDCPA AND FTC REGULATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company 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 2021-09-16
Company: OneMain Finance Corporation
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:
I lost my social security in 2018. Ive recently just received a new one. I have a lot of inquiries and a collection I do not recognize or gave permission. I would like them removed immediately please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I contacted transunion multiple times about hard inquiry on my credit profile that I had no knowledge of or gave my consent to these inquiries ..1 ) XXXX XXXX on XX/XX/XXXX. 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX. 3 ) XXXXXXXX XXXX XXXXXX/XX/XXXX. 4 ) XXXX XXXX XX/XX/XXXX. 5 ) XXXXXXXX XXXX XXXXXX/XX/XXXX. 6 ) XXXX XX/XX/XXXX Transunion told me to get a police report but the police station said they couldn't give me one since nobody was approved or used it I called back and they still wouldn't remove it knowledge that it was fraudulent activity

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