BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit reporting act Midland credit management has violated my rights. 

Violation of privacy and consent 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: OneMain Finance Corporation
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:
XX/XX/2021 ONEMAIN XX/XX/2021 ONEMAIN NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently discovered that your company ran an unauthorized report on me XXXX AND XXXX. 


I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 


1. I am now requesting the permissible purpose documents under 15 USC 1681B. 

15 U.S. Code 1681b - Permissible purposes of consumer reports. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I joined Citi Bank and started my direct deposit for my XXXX XXXX checking and within the first day my account was blocked twice. My card was turned off multiple times and my XXXX was also blocked. I called about my online access being restricted and the bank continued to state that it was a security measure that my account was being restricted. Now this is the seventh time that my account has been restricted and I have tried to use my debit card only to learn it was restricted yet again for fraud with out any knowledge or messages for a reason. This bank is HORRIBLE for consumers and should not be allowed to do this to people because it should not be this hard to access your money.

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 2023-08-07
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: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3600.00} XX/XX/2023 15 U.S.C , 1681section 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 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 2022-05-18
Company: AR Resources, 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: Old information reappears or never goes away

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 Creditor : XXXX  XXXX XXXX Better Known as : Convergent Outsourcing, Inc client Acc # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX convergent Acc # XXXX XXXX , WA XXXX original creditor : XXXX XXXX reduced balance {$1800.00} Total Balance {$5300.00}

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged excessive overdraft fees from Chase bank. I have the overdraft protection where I am not supposed to be able to be overdrafted. However, I still have charges that overdraft my account and than the bank charges me {$34.00} overdraft fees. I have tried to have this resolved but the bank refuses to refund my overdraft fees. I was charged a {$34.00} overdraft fee on XX/XX/23 and on XX/XX/23. Again I have overdraft protection so should not be allowed to overdraft or be charged these excessive fees. I did not consent to this overdraft fees. I would like them waived and refunded to my account immeditately. These are bank errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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  Balance : {$0.00} ; XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
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:
I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
TRANSUNION COMPLAINT XXXX MY QUESTION IS TO YOU IS THAT YOU SAID THE COMPANY VERIFIED IT WHAT YOU DIDN'T ANSWER IS HOW IS THIS POSSIBLE?? WHEN THE STATUS UPDATE STILL SHOWING A PRIVIOUS MONTH HOW IS THIS POSSIBLE DOS N'T LOOK LIKE THIS ACCOUNT WAS VERIFIED PLEASE DELETE THIS ACCOUNT THE STATUS UPDATE SHOULD HAVE SHOWN XX/XX/2019 2019

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 2022-05-21
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:
CFBP write up 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 602 A 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 2018-04-17
Company: EQUIFAX, INC.
State: AL
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 called XXXX to remove inquiries that I did not authorize. I spoke with a US rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him the conversation I had with the other rep and how he was deleting unauthorized inquires and that our phone call was dropped, I asked if he could continue and he said he could not. Needless to say, he did not help me with removing the unauthorized inquiries. I have had this issue with Equifax and XXXX as well. I can not get anyone on the phone who is willing to assist with deleting these items. There is a total of 10 inquiries that need to be deleted, they are : XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX/XXXX dated XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Americas Car-Mart, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received no information from company nor would they assist or agreed to assist with the identification of the sales agent or proof it was me that co signed. When I had to have a co sign for my own account. I only learned about this account XXXX moths ago and thats the reason I was never notified or contacted and it is why the account being open closed for years but I only was notified a few months ago that I had late payments of a closed account in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX We have a home loan with RP Funding account XXXX we moved in in XX/XX/2017 there was the hurricane in XX/XX/2017 we had roof damage an other damage as well we hired a claim adjuster for the repairs because we had problem with the insurance company. We won the case and the insurance company sent us the check of with the the mortgage company name as well so XXXX took the check down to RP funding because we needed the roof fix as soon as possible because of the leaks we had, so they told him that he had to mail it to there home office. In which there procedure is they will keep 10 percent of the check until we finish the work an we are to mail the paperwork to them showing what was done an afterwards they will mail us the ten percent back. So XXXX been talking with a lady name XXXX at RP Funding XXXX ext XXXX an all she been doing is giving us the run around my husband has emailed her all the document and she keep telling him that she never received them he has sent them to her over an over he even ask her to send him something an she did he got an he sent the paperwork back to her she still say she didnt get it. Even the insurance adjuster tried to talk with her an she said they dont talk with them so XXXX ask her would she speak with out insurance company because they even came out and inspected the work after the county came out an XXXX said that they can hold the check until we finish paying the mortgage off, so my husband ask to speak to a supervisor an she came back on the phone an said that they need all the paperwork she wouldnt allow him to speak to anyone. What right do they have to keep the check we pay our mortgage on time we are not behind this is our place of resident we have repairs to finished an there holding XXXX XXXX dollar of money that rightfully our yes we understand they are the mortgage company an we are in good standing this is our second home an we never had this kind of problem with a mortgage company an we have had other repairs done an not one problem with the mortgage company RP Funding mortgage company is not living up to how they advertised themselves, we cant get pass XXXX she want let us talk with anyone else there can they hold that money for 30 years thats when the mortgage would be paid off we are both senior citizen so we probably want be around that time so can you please tell us what steps to take to resolved this matter thank you in advance XXXX an XXXX XXXX We can be reached at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: 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. XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX Account XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 1 5 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

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 2021-10-27
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on CREDIT COLLECTION SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I responded to Citibank 's promotional offer in XXXX 2022. They sent me an offer to give a " bonus '' of {$1500.00} if I deposited {$200000.00} or more into a checking account. This was promotion code XXXX. I went ahead and opened the account & deposited the required money- transferring it from another bank account. When the approximate date for the availability of the " bonus '' neared, I called Citibank in order to determine that exact date. Over the course of several weeks I called on about five different occasions & asked that same question. Each time it took an inordinate amount of time for the bank rep. to get an answer. And each answer was different by days or weeks. At no time did any bank representative mention that my bonus offer would not be honored! In XXXX, 2022 I again contacted the bank and was told that I had not met the promotional requirements and therefore was not eligible. The bank had held my {$200000.00} dollars for six months and I had not earned one cent of interest or " bonus ''! I discussed the issue with " XXXX '' on XX/XX/XXXX and also " XXXX '' on XXXX XXXX. On XXXX XXXX I requested an " escalation '' ( their word ). Later, I received their letter dated XXXX XXXX which states that " my account does not qualify since the required deposit was not made per their 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 monetary relief
Consumer complaint received 2023-10-20
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 a representative from Southwest Credit Systems intentionally told me my debt had been reported to a credit reporting agency when it absolutely had not. I believe this to be a tactic to influence me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
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 ACT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-10
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is furnishing information on my report without my consent 15 USC 1681b. No consent is identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: NY
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 ACT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX 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 response to consumer: Closed with explanation