BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 XXXX XXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXXXXXX XXXX  Account name XXXX Account name XXXX XXXX XXXXXXXXXXXX XXXX  Account name XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX, XXXX XXXX Account name XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX Account name XXXX - XXXX XXXX Account name XXXX XXXX Account name 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 2019-11-14
Company: EQUIFAX, INC.
State: DC
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:
EOUIFAX is reporting inaccuracy on my credit reporting from XXXX third-party vendor for public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2021-01-30
Company: CITIBANK, N.A.
State: WA
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:
On XXXX I contacted citibank because I was unable to access my user account online to pay my balance on my card. I was informed that I was unable to access my account because it was deleted due too suspicious activity/fraud. They said to just create a new account and use that account. Creating that account worked so I asked them why I was not notified and when the even happened they said they didn't know and to contact another number. Every number I called they changed the story or said they didn't know. The last number I called they basically said you can access your account now so we are done discussing this while constantly interrupting me every time I tried to explain that accessing the account wasn't the issue the issue is not being informed of potential fraud.

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 2020-07-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was opened in my name without my authorization. I don't recognize the reported account. This is a request for the account to be deleted from XXXX XXXX XXXX XXXX. I asked TD Bank to validate with a contract for proof of signature, this doesn't exist. 

TD Bank determined this isnt mine but as it was opened in 2013 they say I need to dispute with the bureaus to remove it, which doesn't work. This charge-off continues to be reported by TD Bank on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCTXX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XX/XX/XXXX with ACCT XX/XX/XXXX XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2017-09-19
Company: Key Management Company of Missouri, LLC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I moved out of Oklahoma unplanned before my first payment was due. When I called to see If I was able to mail in my first payment I was told that I owed four months of payment upfront. When I asked them about this the company said that I had to pay four months. I opened the loan in XXXX, how do I owe four months? They also started calling all of my references trying to find out personal information on myself, including my last employer. I mean harassing phone calls. They are fraudulently trying to get more money out of me than what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 @, I attempted to withdraw {$120.00} USD from a Chase Bank ATM @ XXXX XXXX XXXX in XXXXXXXX NY XXXX. Due to a distraction on my phone, I did not retrieve the funds from the ATM in an expedient manner. The funds were pulled back into the ATM and my account was debited for the amount. 

The card I used at the ATM was my XXXX XXXX card issued by XXXX.I called the bank branch manager the following day. I was told I needed to dispute the charges with the card issuer as it was considered a problem on their end in terms of crediting my account back. I asked them to review the security footage to see that the ATM had taken the money back. They refused to honor that request. My benefits card agency instructed me to dispute the charge with the bank and the bank instructed me to dispute the charges with benefits card issuer. I have been given the run around and I desperately need those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: SIMM Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX. XX/XX/XXXX, sold 2 lots of items on XXXX to the same user. First transaction was for {$100.00} and second was for {$560.00}. The buyer made a payment through XXXX with credit card. 

XXXX. XX/XX/XXXX, buyer files 2 case against me through XXXX for problems with merchandise. First case {$100.00}, second case {$560.00} XXXX {$660.00} total ). 

XXXX. XX/XX/XXXX, I dispute the claim. XXXX rules in favor of buyer, no further action is required from the buyer, they keep the items I sold them, and the money was returned to their CC account. 

XXXX. XX/XX/XXXX, XXXX requests I repay the negative balance of {$680.00} ( {$660.00} + fees ). The  same day I reply to XXXX requesting help as I believe I have been a victim of credit card fraud known as " friendly fraud ''. I don't get any reply from XXXX. 

XXXX. XX/XX/XXXX, XXXX forwarded my negative balance to debt collector ; SIMM Associates. 

XXXX. XX/XX/XXXX, I send a dispute letter to the debt collector and submit a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2021 I made a purchase with XXXX in the amount of XXXX which posted out of my available balance. Although US bank stated that their banking app operates on real time ; they never reflect the same information at any given time. Attached are two screenshots ( evidence ). This banking institution have been robbing my children and I. 
By inputting fraudulent information into their technological algorithm ; against our POSITIVE balances. This ultimately caused hardship. As a result it is DIFFICULT to make ends meet.. 
I was able to prove it this time however, how LONG has this criminal activity been taken place ; against my children and I, by this banking institution?!?

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 2020-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I XXXX XXXX XXXX only made one transaction on XX/XX/2020 for XXXX. It's a Fraudulent second transaction XX/XX/2020 which I XXXX XXXX XXXX didn't make for 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 2021-06-03
Company: YSA ARM LLC DBA Oxygen XL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested the debt validation several times and have never received. 
This is a shem and attempt to collect the money that I do not and never owed. 
This company must be charged for extortion and attempt to rub.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form Capital One that I was late 30 days. I called XXXX and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
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:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Klarna AB
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I used the " see if you qualify '' on the XXXX while shopping for new golf clubs. The offer said it won't impact your credit score, they use a soft pull to obtain my credit score. I was offered a 9.9 % APR with a 24 month term to finance the golf clubs iI ordered. During the process a contract was provided, but showed 19.99 %, not the offer I was approved for. I then received a notification from my credit monitoring service a hard inquiry has incurred from XXXX. I called Klarna this morning and was told I had a 30 minute wait to talk with a rep. I used the chat service asking for a copy of the contract for the XXXX purchase. They could not help and said this request will need to eseculated and will take 1 to 3 business days for a chat rep to contact me. I never received a copy of the terms and agreement for credit., they pulled a hard credit inquiry when Klarna said it was a soft pull. I called XXXX and cancelled my order and asked to close out the Klarna account. XXXX said I will need to contact Klarna. klarna has not provided any information on the terms, account number of agreement. The mobile only provide info on the order, how to setup auto pay, but no contract or account number to reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
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: Personal information incorrect

Complaint:
I have sent letters to Experian, XXXX, and XXXX asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: MD
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:
Dear Equifax, I am writing to dispute several hard inquiries that have appeared on my credit report, which I obtained on XX/XX/2023, upon reviewing my credit report, I noticed the following inquiries that I believe are incorrect and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any credit with the aforementioned entities, nor have I authorized them to access my credit information. These inquiries are inaccurately reflecting on my credit report and may negatively impact my creditworthiness.

I understand that hard inquiries may be generated when applying for credit, but these specific inquiries are erroneous and should not be associated with my credit profile. I have taken the necessary precautions to protect my personal information and have not engaged in any activities that would warrant these inquiries. 
In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I kindly request that Equifax conducts a thorough investigation into these inquiries and provides me with a prompt response. I am seeking the removal of these unauthorized hard inquiries from my credit report, as they are impacting my credit score and financial reputation. 
To assist in the investigation, I have enclosed copies of my credit report highlighting the disputed inquiries. Please review the provided documentation and take the appropriate steps to rectify this situation. I request that you contact the aforementioned entities to confirm the validity of these inquiries and promptly update my credit report accordingly. 
Additionally, I request that Equifax provides me with a written explanation of the investigation results, as required by FCRA Section 611 ( a ) ( 2 ). Furthermore, in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ), I request that Equifax provides me with a revised copy of my credit report reflecting the removal of the disputed inquiries. 
It is crucial that this matter is resolved expeditiously, as it may affect my ability to secure credit or obtain favorable terms in the future. 
Please ensure that all future communications regarding this dispute are in writing to maintain a clear record of our correspondence. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution of this dispute. Should you require any further information or documentation from my end, please do not hesitate to contact me. 
Sincerely, XXXX

Company response to consumer: Closed with explanation