BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
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: 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. 

The letters are stated with items and issues. 

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 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 2023-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Ive been asking Bank of America to send me a replacement card for {$4200.00} that was hacked and up to now they have not sent it to me. Ive spent hours verifying my personal information with no avail.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was an inaccurate reporting on XXXX credit report XXXX I already file a dispute on this last XX/XX/XXXX and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result 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 explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: MA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: CA
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 1681. 
XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account account # 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 instructions 5 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 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: EQUIFAX, INC.
State: GA
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 reported this twice with both XXXX and Equifax and lastly XXXX  via It has come to my attention that XXXX XXXX has flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 
Furthermore, 12 CFR 1016.4 clearly stipulates the necessity of an initial privacy notice to customers and consumers alike. Every company, including XXXX XXXX, equifax, XXXX, XXXX are mandated to furnish a clear and conspicuous notice that accurately reflects their privacy policies and practices before they contribute any information to a consumer report. This provision serves as a fundamental safeguard of consumer privacy. 

My concern is not limited to these regulatory oversights ; it extends to the broader implications for my financial well-being and personal privacy. The Fair Credit Reporting Act and Privacy Act of 1974 are in place to protect consumers like me from unauthorized disclosures and safeguard our sensitive information. XXXX XXXXXXXX XXXX, actions, or lack thereof, represent a serious breach of these vital safeguards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone try to open a Barclays Bank credit card on XX/XX/XXXX on under name I need that credit inquiry removed from 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 2023-03-22
Company: Experian Information Solutions Inc.
State: NC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2001 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2018-05-04
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AMSHER COLLECTION SERVICES has been inaccurately reporting an account since XX/XX/XXXX which they claim I owe {$110.00}. My rst attempt to resolve this matter was received via certied mail USPS ( XXXX ) on XX/XX/XXXX.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX simply stating, the letter is to inform me that they received my notice of dispute regarding collection and they will provide me with any documentation they receive of my request. Also included in their response was a company telephone number and options to pay, however, they failed to validate the debt.

The term breach of security means, with respect to unsecured PHR identiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. You may be held liable for the actions of AMSHER COLLECTIONS SERVICES.

AMSHER COLLECTIONS SERVICES responded on XX/XX/XXXX, with an printout of an itemized deduction verifying the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Medical related documents was also included in the documents sent. AMSHER COLLECTION SERVICES should be advised the under Federal Statutes, The Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and Georgias Consumer Credit Statutes, and subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

A second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. AMSHER COLLECTION SERVICES failed to respond.

Laws that I can potentially le suit for : 1 ) HIPAA ( Health Insurance Portability and Accountability Act of 1996 Metro 2 Compliance 2 ) US Court of Appeals - Ninth Circuit, No. 00-15946, XXXX XXXX XXXX XXXX 3 ) FCRA Section 4 ) 623 FCRA Section 605 ( c ) 5 ) FDCPA Section 809 ( b ) FTC opinion letter Cass From XXXX.

As FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Southwest Credit Systems, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Southwest Credit Systems To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a credit card with citi bank since 1989 in the past their customer service was excellent and I never had a problem with them. Over the years I have heard numerous stories about difficulty with citi bank yet I continued with them. Over the past two years I have had nothing but difficulty with this company. Promising lower interest rates if I called back and requested at a specific time only to be denied. Cancelled cards ... increasing limits on cards I did not want increased and lowering limits on cards that I needed increased. They recently acquired the XXXX account from Costco they lowered the account credit limit and would only increase it if I agreed to a credit check ... yet at the same time increased a credit limit on another card by XXXX more than what I was requesting. When the account was transferred I had accrued a rebate of approx XXXX dollars. Due to the ensuing difficulty with Citi bank I cancelled this card and have paid off the balance. Now they are refusing to pay the rebate amount as well as charged me XXXX interest. I am requesting the rebate amount be refunded to me as well as the XXXX being removed as payment as the bill was paid in full. Thank you in advance for your assistance with this issue.

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 2023-11-01
Company: LendingPoint Holdings LLC
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Requested a personal loan through them. They asked for my banking login to make deposits and i was told to send the money back to them. My bank placed a 6 day hold on the deposits and when i called and told them that, they said they would handle it. Today, i was unable to log into my XXXX account and i called them and they said my account was closed due to fraud. I tried calling the number back and lending point asked for my name. I told them you got my account closed due to fraud and they hung up on me and then proceeded to block my number. I called from a private line and it keeps ringing and no one will answer. This was a scam all along and they need not to do business with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2022 there were two fraudulent checks withdrawn from my PNC bank account that has Low cash mode option to where the customer is able to return select checks. I was not given the option and checks were cleared by PNC. I contacted the customer service number on several occasions and filed complaint to resolve issue in XX/XX/2022 I was advised that they could not credit back account and return checks and did not receive a clear explanation as to why I was not given the option to return checks in low cash mode. I went to branch to complete two affidavits on XX/XX/XXXX. I was charged two overdraft fees totaling {$72.00}. I was advised on XX/XX/XXXX that I would receive a call back with 24 to 48 hours and no one has contacted me until today I received an email after I called and stated I was contacting to better business bureau. The email stated individual was trying to contact me after I advised I was contacting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Billing Errors, notice was sent out XX/XX/2022 Also see attached documents

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 2023-10-26
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed again my credit report, I discovered that some of the information was still erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a personal and business paypal accounts to receive payments for my freelance job. Paypal put permanent limitation on my personal account on XX/XX/XXXX XXXX so i created a business account. They said I violated their policy however they are not willing to disclose what specific violation i committed. My business account was on permanent limitation on XXXX XXXX. I have {$51.00} balance in my personal account. For my business account, i have XXXX, {$310.00} and XXXX balance. Paypal told me to wait for 180 days and they will release my money. I waited for 180 days however paypal already took all my money. I called customer service but they said that there is nothing that they can do. I submitted all the documents that they asked for before but nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
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. XXXX XXXX : # XXXX, XXXX XXXX XXXX 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 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 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