BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: Aldous & Associates, PLLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
hello i have an american express card that had about XXXX $ credit line and i have it for 2 years. i have been paying my statement bills 100 % on time and not a single late payment. all of a sudden a month ago they suspended my account!! when i called them they said that i have used my card in a way that it shouldnt be. they said that i cant use my credit card in my XXXX  to send money!!! and they are going to cancel my account if i dont send them the bank statement that i used to pay credit card bills. i said i used to pay my bills with my own bank account for some time and i can send them the statement. but my son put my credit card acc on autopay recently and the recent payments are from his  checking and i can also provide his bank statement. but they said that it should be my account and also it should be recent!!! like they wanted something impossible so that they can close my account. they said that i used XXXX  in a way that i shouldnt have!!! i said why do u let people add their credit card in XXXX in the first place!!! they said that they wan na have this service to people!!! 
after a week or so i got a mail that didnt say ANYTHIING about cancelation but it said that after review, my account credit is limited to XXXX , the balance that i had on my credit card. 
after one more week i suddenly saw that they closed my account. when i called them she ( mrs XXXX ) said that she doesnt know anything about that mail!!!!! and she canceled my account herself!!!!! 
this account was a 2 year old account and all of my payments were on time. they had no reason to limit and cancel my account. even if they had a reason to limit the account they sent me a mail that said nothing about cancelation and then sheepley closed my acc out of the blue!!! is this something personal so that somebody whenrever she wants and whatever cancels my account! 
the chat support also said they refer my acc to collection!!! my last payment was less than a month ago and i paid due amount in full.i think they want to ruin my credit as well!!!! 
pls help me so that they cant ruin my credit score. they already closed one of my old accounts and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Company refused to acknowledge or accept their charging fees and on top of that interest rates piling one on another every month. No charge was made on the XXXX XXXX CITI account only the one that CITI decided when they wanted to install a fee.

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: 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:
I submitted a complaint last XX/XX/2023 and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2019-09-15
Company: Experian Information Solutions 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:
I believe that an old account I had with XXXX XXXX and XXXX was charged off on an expedited level. The FDIC standard is of course 120 days, unless the account is sold at full value. Accordingly, the XXXX account was sold off to a debt buying agency at full value. Accordingly, XXXX XXXX - XXXX has reported the account as a permanent charge off ststus, which does not apply to debt purchases to a third-party, See Henson v. Santander Consumer Financial USA , Inc. ( ATTACHED ). I believe that this account should read as a continued balance with the payment history removal, along with the charge off standard removed. This in turn will fulfill the subscriber agreement XXXX XXXX has with each credit reporting agency respectively.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 

The account number is XXXX ( {$690.00} )

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 2022-02-21
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:
Equifax needs to fix the issues about the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries that I am disputing : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Im an international student in the XXXX. My parents were wire transferring me my tuition to Bank of America account on XXXX. It takes XXXX days for the transaction, but during the transaction, the Bank of America close my account for some reason only they know. I got an email telling me my wire transfer is received, so I tried to pay my tuition with my bank account. At first, I was able to submit my payment, but days later, the XXXX department XXXX XXXX XXXX told me the money was returned to my account for some reason. And since they closed my account, they kept my money on hold till now.

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 2023-01-22
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently received a copy of my credit report and I noticed several hard inquiries that I DID NOT authorize in which I DID NOT have knowledge of! 

I have attached them below... 

Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX  Inquiry date : XX/XX/2022 -- Creditor Name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- - Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 -- I HAVE NOT signed any documents authorizing these organizations to view my credit history, therefore these inquiries violate the Fair Credit Reporting Act!

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 2022-02-04
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student loan has been paid in full and student loan servicing company ( University XXXX XXXX, XXXX - XXXX XXXX ) sends monthly statements showing the loan as a {$75000.00} line of credit. They refuse to address or close the account despite my requests and payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 XXXX 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 2023-08-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX : {$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 2022-02-21
Company: Experian Information Solutions Inc.
State: IL
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:
I sent a letter to Experian that was delivered XX/XX/XXXX about some inquiries I never authorized please produce what certifiable validation or verification of authorization of the following inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I financed directly with XXXX XXXX  to purchase my vehicle on XX/XX/XXXX these other inquiries are fraudulent and needs to be removed asap. I have XXXX cards open long before XXXX and XXXX long before XXXX. I financed my other vehicle in XXXX of XXXX with XXXX XXXX XXXX so the other inquiries are unauthorized pulls of my report and needs to be removed promptly. 

The only name that should be reported is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my consumer report I noticed a fraudulent account being reported and I was already a victim of fraud due to the XXXX data breach. the account below is fraudulent 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 2023-03-08
Company: Atlanticus Services Corporation
State: OH
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:
Fortiva Credit Card Company 3 fraudulent charges were charged to my credit card. I called over 60 days ago and reported this. The first person I reported to cancelled the credit card and sent a new one and was going to report the fraud and have it resolved in 30 days. I was told a supervisor would call me, never happened. I heard nothing from them so I called again and got the same run around. 
A supervisor would call and get this taken care of, never happened. Now over 60 days later I called again and they spew the same lies, we will look into this and get back to you in 30 to 90 days. A supervisor will call you. They continue to charge interest on these fraudulent charges, they never let you speak to the fraud department and they do absolutely nothing to resolve this matter. I am contacting the Attorney Generals office and reporting them as a fraudulent credit card company. I have turned the card off and refuse to pay anything more until this is removed from my account. Also they try to charge you for fraud protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: Chime Financial Inc
State: FL
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:
I load from my XXXX XXXX or XXXX XXXX because my card is routed to my phone and XXXX XXXX and XXXX XXXX accout As I've been telling chime supervisor manager and everyone else I did not have possession my card I didn't need possession of my card possession of my card I never need physical assets of my card I never need my card in my hand and a pen was not used it was an online transaction that did not lead a pin code so by me having my pen has nothing to do with it when there was no use for the XXXX to be even used so therefore I did not know that my card was missing until I received a text message stating that my car was declined for {$98.00} when I did not use the card for XXXX and was not in the possession of the card for the use of it for XXXX something dollars at XXXX that what made me look and see if my car was in my wallet and therefore my card was not in my wallet so I did not never have possession of the card and the pen was not needed if the pen was needed they would have got what they wanted from XXXX Also I I added the money on the card for my essentials throughout the week like my XXXX and other things that I used to transfer money to my sister I never used it lately for no XXXX if you look into the history of it you can tell that it was I misuse on someone else 's part I always load money on that card I always put money on that card and take card off for my XXXX for transportation to work and other uses so don't tell me that it was loaded for that particular purpose SO AS YOU CAN SEE needed my time card in my hand because it's already linked to my accounts that which are already on my phone apps so there is no way that I knew that my card was gone until I received a text message and called chime and look it's not the only card that's missing I always made my anything through XXXX XXXX or XXXX I never use my time card for big purchases that is not what I use that card for if so I will use my time credit card to build my credit And as you can see I only my big purchases through my wisely card and cash out because those are the only cars I really keep money on for other stuff my time card is for my XXXX mainly for my ride to work and this is my evidence This every thing I should have to fight so hard for my money when I gave all the poof they ask XXXX 


So someone used my card for online purchases of the amount of {$230.00} on XXXX XXXX on XX/XX/2022 I have called XXXX and they also agreed and flag the purchase as fraud I have sent chime invoice, police report, my GPS location, screen shots, and handwritten letters XXXX disputes and chime continue to denied my evidence of this unauthorized transaction

Company response to consumer: Closed with explanation