BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-04
Company: Experian Information Solutions 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:
The following items do not belong to me and I'm asking that they be removed from my credit report, or the major credit reporting agencies produce certified physical documentation to show just cause, or as stated within the FCRA laws these accounts shall and will be removed. ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX/XXXX  {$13.00}, {$7300.00} {$4300.00} {$3600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: SC
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 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 non-monetary relief
Consumer complaint received 2020-01-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Home Depot Credit Services owes me a {$25.00} credit. When I opened the credit card account on XX/XX/2019 Home Depot Credit Services offered me a {$25.00} promotional discount on my first purchase within 30 days of the account open date. The offer code is XXXX. The purchase was made on XX/XX/2019 for {$29.00}. 
I wrote to Home Depot Credit Services on XX/XX/2019 and XX/XX/2019 but they did not respond. I sent messages to them on their website but they did not address my problem. I tried to call them but could not get a live person on the phone. 
Please credit my account for {$25.00}.

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 monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I checked in the XXXX XXXX on XXXX XXXX check out XXXX XXXX I check online banking its has {$290.00} negative overdraft fees XXXX also service charges of {$47.00} When I call I was put on hold saying he is checking my account when the person get back on the phone he hanged up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, This is in reference is in response to the letter that your company sent me XX/XX/2023. In that letter, it was mentioned how you have violated the Fair Collection Practices Act ( FDCPA ). In response to that letter, your company replied that it is not governed by FDCPA because the same applies to the third-party debt collector and not the creditors.

I request you to stop sending me the statements and provide valid proof that you are a creditor. That proof should not include the Consumer Contract because as per the judgement in Pacific Concrete F.C.U. Vs. Kauanoe, the Consumer Contract is not sufficient evidence of a debt. Also, provide the audit trail of the transaction originated by you.

I am attaching herewith valid proof of you being a debt collector under the provisions of FDPCA.

Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Lazega & Johanson LLC is a company I don't know. I got a Police Report ( prev # XXXX Theft by Trespassing ) # XXXX ( Theft by Taking ) and FTC report # XXXX ( Identity Theft ) where I discovered the alleged debt accounts, judgment and lien on XXXX County without my notification nor any acknowledge. And they even attempted to take out money from my personal bank account on middle of no time, especially holiday times. 

I have sent this company my Police Report and request the verification of the alleged debt is mine on XX/XX/2019. Of course, they ignored my request by today. I have never done any business with this company, I don't owe any money to this company, I have never gotten any products, agreement, or anything with this company nor given permission to access my bank account to be pulled out money with this company. They made forgery document in court and surprisingly got a default judgment ( I could not response because I did not get public serve or any knowledge until they sent me a default judgment ). Illegal judgment made access my personal bank account and stole money as exactly as a rubber. ( once a fraud, forever a fraud. XXXX XXXX ) This debt collector named Lazega & Johanson LLC include XXXX XXXX XXXX and XXXX XXXX XXXX are unscrupulous and the law firm engages in trickery and extremely cunning, crafty fraud to bring serious white criminal. I saw 49 complaint against Lazega & Johanson LLC even this site on todays date. I am very doubtful whether they are in right response which is seriously take over the complaint and solved the issues. 
1. I want CFPB review their illegal forgery all documents and let Lazega & Johanson LLC stop criminal activities and return my money back immediately. 
2. Lazega & Johanson LLC made {$4400.00} forgery judgment against me and attempted take out from my bank {$5300.00} plus {$5200.00} plus {$4400.00} without taking a breath. 
3. Request Cancellation of Judgement and Lien against me instantly 4. Otherwise I will claim against them monetary damage and misusage of my name 5. And Public notification 6. Bring all unscrupulous individual to Federal court Criminal Trespassing definition is not only included real estate property, but also constituent property included monetary property. 
Crime Classifications, Sentences, and Penalties ( Georgia Code 16-7-21, et seq. ) Criminal Damage to Property, 1st Degree :  Felony ; 1 to 10 yrs. in prison, plus fine. 
Criminal Damage to Property, 2nd Degree : Felony ; 1 to 5 yrs. in prison, plus fine. 
Criminal Trespass : Misdemeanor ; up to 1 yr. in jail, plus fine.

Attached 1. Police Report 2. FTC Report 3. Criminal Trespassing Law in GA Definition, Sentences and Penalties 4. XXXX XXXX XXXX Lazega & Johanson LLC Corporation XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Knight Adjustment Bureau
State: UT
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:
XXXX XXXX # XXXX, and Knight Adjustment Bureaus # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: AXOS FINANCIAL, INC.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Institution Name : Axos Bank Account/Product Type : Auto Loan Account Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Country : United States Email Address : XXXX Phone Number : XXXX I have not been able to log in to their website to review my account information for almost two weeks. I can not review account information or make principal payments. 

This is not a user problem, I am a XXXX XXXX of over 20 years and have tried multiple XXXX XXXX XXXX XXXX. The system says it has to send an email confirmation, and it doesn't work. I have checked my mail server logs, there is no email sent from Axos bank. Even if it did work, the field where you would enter a code does not accept keyboard input. 

Their customer service had me on hold for an hour, and when they finally returned, not even they could get into my account to retrieve information. 

I can not make additional payments or review my account information for interest charges. They can't even access this information themselves. 

Their customer support email is a series of canned responses and complete indifference, " looking forward to serving me with superior products '' that don't even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month 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 included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account name : XXXX XXXX # XXXX Account name XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX Account name XXXX XXXX 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 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 2020-01-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/20 I tried to temporarily lift a freeze on my credit with Experian and they are forcing me to mail a letter with a copy of my license, social security card and a bank statement. 

I have the correct personal information and freeze PIN number to perform this online but their site keeps telling me I have to mail a letter and all of this sensitive information with no explanation as to why and no way to contact them for help otherwise. 

This is outrageous, and these companies should be required to provide assistance for this. These " bureaus '' should not be for-profit businesses to start with, and they should not be allowed to hold up my transactions with this snail mail ploy.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 receive my consumer report and the law said 15 U.S. Code 1681b - Permissible purposes of consumer reports i dot not authorize this inquiry in my credit report XXXX XXXX  in XX/XX/2023 and this in violation of the fcra

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 2023-08-14
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I currently own a XXXX XXXXXXXX XXXX. There is a lien attached to my title from a previous owner. The bank on the XXXX  is Synchrony Bank. I provided them with information of my ownership as well as a copy of a lein release from XXXX ( Synchrony serviced XXXX loans at the time ). They refused to even have a conversation and the bank seems as though there is no workers on the inside just call takers on the outside that dont know the inner workings. Synchrony bank failed to electronically release the lein and will not provide me with a letter stating they have no financial interest in my boat. 

It should be noted Ive called over 20 times and never spoke to a person beyond a call taker. No supervisor or anything. Ive left 4 messages with a next level and no return call..

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 2019-05-04
Company: EQUIFAX, INC.
State: MO
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 3 major credit bureaus are still reporting these unauthorized disputed accounts due to identity theft. I'm demanding that these reporting agencies provide a Method of Verification of their investigation or as stated within the FCRA laws these accounts shall be blocked immediately. 

1 ) XXXX XXXX XXXX {$240.00} 2 ) XXXX  XXXX  XXXX  {$3600.00} 3 ) XXXX XXXX XXXX  XXXX 4 ) XXXX XXXX 5 )  XXXX/XXXX  XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX  XXXX 8 ) XXXX XXXX {$240.00} 9 ) XXXX XXXX XXXX XXXX   10 ) XXXX XXXX {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I called in the person wouldnt answer my question, when I was trnasfered to a supervisor XXXX, I asked him numerous times if the time was currenly before XXXX. he argued that XXXX is AFTER XXXX but no, XXXX is before XXXX. then hekept calling me sir when I have asked them not to use any pronouns other than my names. this is XXXX discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Upgrade, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upgrade is the creditor that I took a personal loan out on and I have the two line of credit or credit cards. I have not used these cards for a while and they both are reporting balances which is incorrect. Both of the credit cards have a zero balance on them. This is causing many many issues with my credit report and it's extremely hard to get the company to correct this information. I am left to file a complaint with CFPB in order to assist me. Please update the credit report and correct the balances on these line of credit credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed all three of my credit on XX/XX/2023 cards without prior notice. All cards were paid on time and there is no suspicious activity. I have been a BofA credit card member in good standing for over 20 years. Their rational for closing was not valid and I believe this was a racially discriminatory action by BofA. Their frequency of closing minorities accounts needs to be reviewed.

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 2023-08-15
Company: Consumer Portfolio Services, Inc.
State: OH
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:
On XXXX the XXXX these appeared on my credit report by XXXX XXXX which, XXXX XXXX was removed from my report and all of these stayed on, I did not authorize or talk to these company at all for any financing so please remove them from my credit report as well. Lately I have had a lot of companies jumping on my credit report without and authorization from me. All of these companies appeared on my account the same day XXXX the XXXX XXXX XXXX XXXX XXXX XXXXONSUMER PORTFOLIO SERVI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation