BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX.XX.17 Several days ago I decided, for general security reasons, to change all of my User Names and Passwords for my credit card accounts. This morning I began systematically opening my online accounts to make sure that these changes had been properly processed and to make sure that these changes had not caused my " Pay From '' account information to be disrupted. When I went to my card 's Account Management page, I saw that the " last four '' of the two bank accounts I 'd linked to this site were in place. However, I was shocked to see that the full name of the bank in which these accounts are held was in full sight ( in capital letters, no less ) of anyone who might gain fraudulent access to this information. So now all a crook would need is the bank 's routing number ( universal for all 250 branches ) and the other 6 numbers of my account to drain my balance. Despite the fact that credit card issuers such as XXXX, XXXX & XXXX DO NOT PUBLISH YOUR BANK 'S NAME ONLINE, apparently XXXX is unable to figure out how to forego INFLICTING THIS ABSURD, TOTALLY UNNECESSARY, HIGH RISK PRACTICE ON THEIR CUSTOMERS! CONSUMERS BEWARE! CHECK YOUR XXXX ACCT ONLINE! XXXX  IS NOT SECURE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Diversified Consultants, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Virtually every day from XXXX until XXXX I have received anywhere from 2-7 phone calls from a XXXX number that asks for me by name. Several times the calls are dropped and the few times they stay on the line refusing to identify who they are. One time I gave them the information they requested and they told me that I owed a debt to XXXX. I told them I did n't believe that was the case but that if that was I would take it up with XXXX because i did not feel like giving out my information over the phone to a company i had never heard of. 

They told me that XXXX XXXX XXXX could not help me and that I must pay through them. I told them I would not be doing that. 

I subsequently paid this off through XXXX XXXX XXXX - meaning this debt collection agency not only called me obscene amount of times but also clearly lied to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

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 2023-01-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2021-03-02
Company: EQUIFAX, INC.
State: KY
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 have been battling identity theft since 2015. I have contacted Equifax more times that I can count over the past several years. I have sent in police reports and divorce paperwork and identify theft paperwork over and over and over and over again. Out of all 3 credit reporting places Equifax refuses to remove the identify theft from my report, even though every other agency has removed it. They are still reporting XXXX XXXX XXXX on my credit report even though I have proven time after time after time that account DOES NOT BELONG TO ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to know who is asking for loan modifiation on my behalf and pretending to be me? And how can offical federal documents be invalid? It sounds to me that you company is refusing to investigate by documenting invalid info. I want the info your documenting on my behalf with in the time frame you have had the loan and confidential documents wo n't work. You say you have me requesting stuff prove it. Because right know i have your company documenting stuff I do n't say as well as using it in validly to file false paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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 Repoerting Act XXXX Account # : XXXX  XXXX BANK NA ACCT # XXXX XXXX XXXX ACCT # XXXX SELF XXXX BA ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX/ ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX JEWELERS ACCT XXXX XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXXXXXX XXXX COLLECTION SERV ACCT # XXXX XXXX XXXX ACCT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 100 % correct. Under U.S Code XXXX 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy one! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am the co-signer on my sisters student loan. She got behind on a payment and they started calling me instead of her. I promptly informed my sister and she contacted Navient and they said my number would be removed from the call list. They started calling again from a different number. When I spoke with them I asked if they had contacted my sister as i had in the past. They said they tried but could not reach her, but just like in the past my sister said they did not. She called Navient again and they said they are not sure how my number ended up in the list again and said it would be removed again. 24 hours later Im still getting calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
When i obtained my XXXX  credit report i notice that there were unauthorized inquiries from a bank ( capital one ) that i have no type of banking relationship with. Capital One has pulled my credit on 3 separate occasions without my permission on the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021. To find out that my privacy has been invaded and compromised by Capital One has frustrated me dearly. On the date of XX/XX/2021 I mailed in a letter explaining my frustration on my privacy rights that were violated and have not received a response back since. I have attached the credit report showing the unauthorized inquiries along with the letter sent and confirmation that the letter has been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
1. XXXX XXXX XXXX XXXX paid me {$80.00} via PayPal and sent the funds to my e-mail address XXXX 2. PayPal notified me of the transfer. 

3. Problem : I did not have an active PayPal account ( I closed it to protest PayPal founder 's support of the XXXX. I DID NOT HAVE AN ACCOUNT. 

4. PayPal held the funds and did not XXXX XXXX XXXX know that I did not have an active account. 

5. This situation is Tantamount to depositing {$80.00} in an account at XXXX,  and XXXX keeping the money, when I did not have an account. 

6. I had to open a new account to receive the funds. 

7. When I verified the account PayPal said that the funds were not present. 

8. I had to complain about the situation and eventually received the money. 

HOWEVER, HOW CAN A FINANCIAL INSTITUTION HOLD A DEPOSIT FOR ME WHEN I DO NOT HAVE AN ACCOUNT? THIS IS ABSURD AND ALSO SCARY. I CHOSE XXXX  ON PURPOSE GIVEN ITS SHADY HISTORY. 

Dear XXXX XXXX XXXX, Good day! I hope my email finds you well, XXXX. We can sense the importance of this matter to you. 

You have a very good point and I do understand the confusion, an email address that is not yet technically link to an account or not yet confirmed can received payments due to that we always give chance to everybody to use PayPal yet the sender can cancel the transaction when its tagged unclaimed on there end. To know more about PayPal please click on the link below. 

https : //www.paypal.com/us/webapps/mpp/paypal-safety-and-security On a personal level, I would like to extend our apologies for the inconvenience caused. 

Thank you for being part of the PayPal community. For additional questions, please visit www.paypal.com and click Help & Contact, near the bottom of any page. 

Sincerely, XXXX PayPal XXXX XXXX PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is harassing me and put false debt on my report that does not belong to me. I contacted them but no response back. They keep reporting XXXX debt on my report

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 2019-07-16
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:
I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I knew nothing about. I have contacted the FTC and my local police. There are still items on my credit report that are not mine. Please remove these items from my credit report. I'm doing this on my own behalf. XXXX XXXX ( # XXXX ), XXXX XXXX XXXX,. Please remove these from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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:
I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX  XXXX XXXX, XXXX and XXXX/XXXX. I have reached out to the FTC and my local police department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NY
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:
As XX/XX/XXXX This credit bureas and XXXX XXXX Claimed the did a investigation but that can't be possible if I never gave written instructions SELF FINANCIAL/LEAD BA XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 34 % Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$150.00} Highest balance $ 511 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX KANSAS XXXX XXXX MO XXXX XXXX DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: CITIBANK, N.A.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
I was on a XXXX XXXX to XXXX. I am XXXX XXXX XXXX. I was with my partner. We were in XXXX in a store to purchase a coffee. There was a line behind us. 
I paid for the coffee and put the wallet back in my pocket. I did n't notice tilwe returned to the hotel that the wallet was stolen. I notified the credit card company from XXXX. Being on a tour we had to leave in the am. When we got to XXXX we went with the tour guide to the Police station. document attached. We also lost XXXX and XXXX XXXX in the wallet.We spoke to XXXX customer service about the card.After several calls they took the charges and fees off. The card has cash advances etc. I had card for twenty years and never had a cash advance. 
Theysent out a following letter in XX/XX/XXXX ( attached ) The letter stated we participated in the fraud by giving the card to the merchant. Total lie. How did they come up with that erroneous conclusion.. I tried numerous times to reach them. They refuse to give me a supervisors name. They transfer my call to people who do not help. 
I reached on person XXXX who said he will get back to me in 3-5 days. Ten days  ago. 
I leave messages no calls me back. 
How dare they accuse me a fraudulent behavior. I do not know anyone in XXXX. 
Economically I have no reason to steal for the company. 
They continuously give me the run around hoping I will give up. 
I want these fraudulent charges taken of my card along with the fees you are charging for the fraudulent charges. 
I have never encountered a company like XXXX card. XXXX XXXX XXXX XXXX card is trying to scam me. 
What proof could you possibly have to prove I handed the card over to the merchant. 
I would like to see your proof.You accuse people of fraudulently using the card. Produce the evidence to the Consumer Financial Protection Bureau. 
It is despicable behavior on XXXX credit card. I have been a customer for over twenty years. Not even a late payment. Maybe you think if you put enough blocks in front of me I will give up. No I want those charges taken off my account. 
There whole response in their letter defies logic. I want this fixed.The total charges are {$1000.00} plus accruing fees.

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 2017-12-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with COMMONWEALTH FINANCIAL. I have never done business with this company. I am not liable for collection from this debt from COMMONWEALTH FINANCIAL. I am not responsible for this debt with COMMONWEALTH FINANCIAL. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.

Company response to consumer: Closed with explanation