BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Fifth third Bank has been completely reluctant in resolving several ongoing issues. In regards to my secured card I did not want to close, I came into the branch and spoke with Branch Manager XXXX XXXX who previously had been one of the greatest banking representative I have ever dealt with. When speaking with Ms. XXXX I expressed several concerns including XXXX XXXX who is the most informal corporate representative from fifth third I've had to deal with. I decided at that point the bank was literally forcing me to close my secured card. Ms. XXXX informed me then that she reached out to her DM and that he gave her permission to close my secured card early from the XXXX dollar deposit I originally made that opened the account. I was informed that the card would be closed immediately with a XXXX balance despite the company refusing to investigate the fraud charges on the account I was not able to dispute due to fifth third Bank making errors and providing misleading information. The bank had not closed the card but rather has left it open so they can charge extra interests and other fees. I did not want to be forced to close the card then when I was told the card would be closed the bank lied and misrepresented itself and left the card open causing me a disparate impact that has left me in a worse ongoing financial and credit standing due to the actions and lack of actions by this bank and it's employees. I am making this complaint for the record since fifth third bank will not resolve the matter I have obtained the appropriate counsel to proceed further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Diversified Adjustment Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The call came at XXXX XX/XX/2021. Caller ID : Toll Free Call XXXX I was already on another call and when I answered the call, the lady asked to speak to someone I don't know. I told the lady the she has the wrong phone number and to stop calling my phone number looking for the person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CITIBANK, N.A.
State: PA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to  the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to  sue in the mail, because I will have no choice but to take legal action.

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 2023-02-01
Company: ALLIANT CREDIT UNION
State: IL
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:
My name is XXXX XXXX. On XX/XX/XXXX, someone claiming to be me, opened an account with Alliant Credit Union through XXXX online using my ssn, birthdate, and address which were available on the dark web after the XXXX XXXX breach. The person used my maiden name, XXXX XXXX, which I haven't used since XXXX and took out a loan for {$16000.00}. I called Alliant and XXXX after receiving the welcome packet for the loan saying this was not me, and they said not to worry about it as they put it in their fraud department. Later I got a letter with a late fee. I called again and they seemed to act like they understood. Then I was sent a letter from a collections agency. I called and said that this was fraud. They sent the case back to Alliant. Now Alliant is asking me to prove that it isn't my account. They asked for my identification, a dispute letter from identyTheft.gov and a note from XXXX XXXX proving fraudulent activity. I gave them all the information, except the note from XXXX XXXX because that is not my account. They said we looked it up and your name is on the account. XXXX XXXX has tons of accounts with the name XXXX XXXX. I called XXXX XXXX  and they did not have any accounts open with my ssn, phone number, or address. Because my information did not match up and Alliant had only given me the last 4 digits of the account number, they could not help me. Alliant won't listen and says I have less than 30 days to prove that is not my XXXX XXXX account or they will assume that the loan for {$16000.00} is legit. Alliant allowed a person to take out a large loan without asking for anything but a name, birthdate, address, and ssn. They did not ask for identification. I asked them and they confirmed that they don't with online loan requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: DISCOVER BANK
State: CA
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 have applied for My Very first credit Card ( Discover ) thinking its a good way to start My credit history. I usually use of this Card for everyday expenses and mostly at XXXX. I have set auto payment monthly because i want to attain good credit history. And since I dont usually use this credit card, I just leave an auto payment per month. I rarely log in online and I have paperless billing option. Until one night ( XX/XX/2020 ) I received an email alert ( the Very first time since i have this Discover Card ), that My transaction was Declined. It was a XXXX transaction and I was shocked because I NEVER used this Card for any XXXX transaction. I only use My Debit Card. So i Logged in to My account and to My surprise, My bill was over {$3000.00} half of it was from XXXX transaction. I called right away and dispute these charges But Their decision was NOT on My favor. So i reached out myself with XXXX and they verified with me that I ONLY HAVE ONE CARD ON FILE, MY DEBIT CARD NOT DISCOVER CARD. So i called Discover again and told them about this, Few days later, I received a letter saying they can not do anything about it and they report this to the 3 credit Bureau. So, did getting a credit Card Help me achieve My goal to build a good credit history??? NOT AT ALL ... made it worst!! Wrong Choice of Credit Card company. 

In My opinion, Discover Card does not have a good security and protection for their clients most especially these transactions are almost like CASH transaction that needs increased security measures such as verifying the account holders TRUE Identity. I Will Never ever use this Credit Card again nor I Will recommend this. 

This decision made by XXXX Credit Card is XXXX. They also take part in this criminal and unlawful action. 

Thats why XXXX appealing to this agency to Assist me and investigate farther, something that XXXX credit company did not do. Please reach out to XXXX, look into My history .. and see if that relates to tge XXXX transaction that comes from this credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions Inc.
State: SC
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:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX 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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2021-07-19
Company: National Credit Adjusters, LLC
State: FL
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 am not liable for this debt with NATIONAL CREDIT ADJUST plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: ASTA FUNDING INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am being called by this debt collection company multiple times a day, every day of the week, and early in the morning/late at night. The calls are automated and a partial voicemail is left each time. I do not have any outstanding debt that I have failed to pay. The call is listed as Robo Caller by my cell phone company. I want this company to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, 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:
Equifax is aware that I am a victim of ID Theft. Yet they are still reporting information on my report that I have not authorized. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported,. Equifax is aware that I am a victim of Identity Theft, yet they still have not removed it from my consumer file. They haven't sent any documentation with my as to why they believe the account is mine. Here are the incorrect accounts, as well as inquiries listed on my report. Following accounts are due to identity theft : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a balance of {$2500.00} in my cash app and they have closed my account and I can not even log in to my account. Please help me get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Receivables Performance Management, LLC
State: CA
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:
XX/XX/2018 was told I owed XXXX XXXX {$33.00} due to an old account when i called. When you go to their website and enter the reference number it says no record was found. So the gal that was extremely aggressive said if i dont pay with a debit or check over the phone my credit would be damaged and they will come after me. For {$33.00} come on I'll pay it but if your website is showing no reference then I am not comfortable giving someone my check info over the phone.

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 2022-11-30
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 2019-06-05
Company: Consumer Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Consumer Recovery Services LLC. XXXX I called them after a " server '' contacted me via my work phone to give me a case # that I was being sued. They gave me the phone number for the Consumer Recovery services.

The case number was just the case number for the CRS LLC. XXXX XXXX who identified themselves as a paralegal that works for the law offices that were taking me to court. that I was going to owe them over {$1800.00} if it went to court, but I could settle with them for {$360.00}. 
I asked XXXX if she worked for a collections agency or a Law firm. She confirmed again that she worked for the law firm. 
I asked to be emailed a copy of the proof of debt. She emailed me a page stating how much I owed, but not actual proof of debt. This page only had a company name and phone number, no address As soon as I mentioned that I needed proof I was told that I would only get it if we went to court. She quickly ended the conversation and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-28
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:
On XX/XX/XXXX I spoke with XXXX, XXXX & Experian to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to XXXX  and experian and then A sudden charge off in XX/XX/XXXX to both reporting agencies. It also states on my XXXX  report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with XXXX to be XX/XX/XXXX which is 3 months PRIOR to reporting this to XXXX. This shows the inaccuracies reported across the three consumer reporting agencies. Experian has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!

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 2023-02-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
in accordance with the fair credit reporting act, XXXX XXXX XXXX  acct # XXXX has violated my rights 15 u.s.c 1681 section 602 a States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 states a states a consumer reporting agency can not furnish an 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 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXXXXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX The above said accounts, have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation