BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-08
Company: TD BANK US HOLDING COMPANY
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:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2019-03-27
Company: CITIBANK, N.A.
State: CA
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:
Hi - We have opened and maintained with Citibank 's checking, saving, and credit card accounts for more than 10 years. Suddenly, the Bank closed our checking and saving accounts in XX/XX/2018. We've tried to contact Citibank so many times to find out the reasons why they closed our accounts. After multiple phone calls, we've exhausted our options to obtain the answer from the bank. So we kind of giving up our request. 

In XX/XX/2018, Citibank also closed our credit cards accounts. We again tried to contact Citibank so many times to find out the reason why the bank also closed our credit card accounts and the bank would not give us any answers. At this point we were so exhausted and stressed with the situations. At that time we have earned so much points for a cash rebate of approximately {$1500.00} for 2018 purchases and we asked about our cash rebate. We were told by Citibank that we will not receive the cash rebate. 

We are struggling with the bank two main issues : 1 ) trouble to obtain an answer from Citibank why they close all of our accounts 2 ) why they are not sending us our cash rebate check of approximately XXXX XXXX. 

We feel that we are being robbed by Citibank because we've earned so much cash rebates from the promotions they offered us 1 %, 2 %, and 3 %. 

Please help us how to approach to Citibank to get an answer and to receive a cash rebate check from them. They are a big corporation and they know the system so well how to get around us. 

Our contact number is XXXX ( mobile ). 

Thank you, XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. I believe that this debt does not belong to me. I have asked this company several times to provide documentation stating that I owe this debt within 30 days or please remove it. This company has failed to provide a signed copy of agreement that shows my signature and the said amount owed. I have a copy of a police report that was made in regards to myself being a victim of identity theft. I will attach it down below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: CA
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX CARD # XXXX - IDENTITY THEFT 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 of 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 2019-04-20
Company: MRS BPO, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Earlier this month i saw a new collecrions on my account from XXXX XXXX and i never opened an account, nor had service from them. 

Today XX/XX/19 I called XXXX XXXX and i was directed to finance, the women I spoke to took my name and asked me to hold. She then came back on the line and asked me my code, ive never had a code, so she asked what city I lived in and shesaid thats not the town, i said listen lady ive never had an account and she saud well its your name but you cant provide me with the correct information so take it up with thecollection agency. I saud there should be not be in a collection agency lady, your prior employee couldnt find my ss # in your system but you found my name, so why do i have it in collections under my ss #? She said she couldn't help me so, i yelled im turning you into consumers protection and youll pay for the damages then! I recently started a busuness and this is hurting my ability to get new equipment. I want monetary relief in the amount of XXXX for the machine i coukd not purshave due to XXXX XXXX   negligence and this taken off my account asap. Please get back to me as soon as possible. ( XXXX ) XXXX my names XXXX XXXX and i own XXXX XXXX. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX   8.XXXX XXXX  9.XXXX XXXX XXXX XXXX  10.XXXX XXXX XXXX 11.XXXX XXXX  12.XXXX XXXX XXXX  13.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Resurgent Capital Services L.P.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Securus J Holdings, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I rec 'd a call from XXXX  XXXX XXXX XXXX saying I didn't pay my account right and they needed my credit card ASAP or turning off my electric. I gave my XXXX XXXX XXXX credit card but they were not XXXX  XXXX XXXX  XXXX  and transferred money to JPAY to pay a prisoner in the XXXX XXXX area. I didn't know this but when I hung up I felt I had been scammed and called XXXX XXXX XXXX XXXX told them the story not knowing about JPAY and they checked with 15 minutes of my scam called and said I was charged {$210.00} I said it was fraud and they canceled my credit immediately. They issued a new credit card and said to activate immediately. I did and they transferred the scam charges to my new account. I have tried called several companies including the Police, The Sherrif 's Office, The Federal Trade Commission, XXXX XXXX XXXX, JPAY, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several calls account still has scam amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-03-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I demand that all the COLLECTION listed to be removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that these COLLECTION are immediately removed upon receiving this complaint. If they are not removed within 7 days I will take further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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: Account information incorrect

Complaint:
I am currently sitting in front of a banker that states I do not qualify for a free checking account because Experian ranks my Credit score at XXXX. These actions against me are retaliatory and discriminatory. How is it other venues have my scores at XXXX additionally I just paid down my debts. A creditor removed a collection item 3 weeks ago sent it to the credit bureaus. Experian still has it own there and lowered my FICO after getting notice my credit card bill was paid down. This is a common practice for them to do this. When an invalid debt is to be removed the either remove without notification and no increase in the score or lower the credit score then remove the negative item so the credit score never fully receives the increase it should. All one needs to do to verify this is look at the items I have disputed since XXXX where the creditor removed the invalid negative item and Experian and XXXX  specifically delayed the removal and never applied the proper score increase. Experian has hard inquiries on my credit and Ive not had any request for credit from Experian. XXXX XXXX lowered my credit limit in XX/XX/XXXX stating they received information from the credit bureaus. Nothing had changed on my credit. Both XXXX and Experian reported me late 2 in XX/XX/XXXX for XXXX XXXX. Per XXXX XXXX they did not send anything to the credit bureaus because I was not late.

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 2017-12-15
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2019-11-04
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Obtained two credit reports - Conf # XXXX and XXXX : page 6 shows previous addresses. The two reports clearly show my previous addresses have been updated twice in two months. I live in XXXX and have no access to the Equifax web site except to change my password. The system rejects my foreign IP number and tells me to call the 800 number. Since my previous address are being updated, someone else is trying to access my file by answering previous address questions for verification on line. It CAN NOT be me because of my foreign IP number being rejected by Equifax. 

To make matters worse, Equifax has failed to give me the furnisher 's name and address as required by federal law as to who is giving Equifax my long list of previous addresses all of which are over ten years old. They have been too busy hanging up on my phone calls ( 5 times in the last two days ) and all I have asked is who is giving Equifax these updates. It is NOT my creditors! 
If someone is giving Equifax false information or trying to breach my account, Equifax should tell me and law enforcement. Equifax has refused both. I want this problem FIXED. I suspect more updates will come in via internet and attempted breaches of my credit file and fales updates will continue. 

When someone tries to obtain a credit report, location and IP number are recorded. if Equifax is doing the update by its self i should be told the source of this information. 
Law enforcement should be immediately contacted for this security violation. Unfortunately, Equifax has refused to cooperate with me or contact internal security or law enforcement. 

Equifax has told me that old addresses will be cleared out, conf. # XXXX, but will not reveal the source of their updates every month and refused me and hung up on me when I ask who in law enforcement could help me. The last person to hang-up on me was XXXX, ( XXXX ). 

I need Equifax 's help and they have totally refused me and hang-up quite quickly on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: NJ
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:
THERE ARE ITEMS ON MY REPORT THAT ARE NOT MINE. ACCOUNTS: XXXX XXXX XXXX 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 2019-04-19
Company: Waypoint Resource Group, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I sent a certified letter to Waypoint Resource Group, RE : Account XXXX. The letter was received on XX/XX/2019. The letter was requesting that they validate the said debt that they are alleging to be mine am attempting to collect from. I specifically asked for signed documents, I asked for an agreement that I am obligated to pay them, and any supporting documents. They have failed to adhere to my request. They have not corresponded, they have not cease collection activities on my credit reports. They have done nothing as the date is now XX/XX/2019. I ask requesting that they remove and delete all negative activities from my credit report as they have failed to adhere to the certified letter I sent that was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Thank you for the opportunity to express my situation... ..pI have this XXXX XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a XXXX that has XXXX and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You

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 2022-10-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The original creditor XXXX XXXX Bank ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018, someone went into a Bank of America ( BOA ) branch in New Jersey and first withdrew {$1500.00} from my checking account then withdrew {$1400.00}, for a total of {$2900.00}. That afternoon I saw the activity, and called BOA immediately to stop the transaction ( at first it looked like they were two checks pending clearance ). I later learned that the person was given cash. BOA froze my account. They are in the process of investigating what happened and say it takes on average 60 business days. Meanwhile, I am out {$2900.00} and have had to operate without a debit card for over two months. 

My case number is XXXX I filed a police report with the District of Columbia Police. I sent the police report along with a letter from my supervisor confirming I was in Washington DC the entire week of XX/XX/XXXX to XXXX to support my case.

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 2019-11-04
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation