BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I transferred {$10000.00} from my XXXX XX/XX/XXXX XXXX XXXX XXXX savings account which in an online bank to my Huntington checking account In XX/XX/XXXX I received an email from huntington that transfer was denied after the funds were taking out of my account and would be returned in 3 business days On XX/XX/XXXX I went to the Huntington branch they wanted proof that the funds and the account that it came from belonged to both which were provided then I was told it would be another 3 days before the funds were returned XX/XX/XXXX I went back to the Huntington branch said that they though the funds were from a small business loan which they werent and they would be return in 3 business days XX/XX/XXXX I received a letter from Huntington bank saying to contact the XXXX XX/XX/XXXX since they were initiating bank XX/XX/XXXX I reached out to XX/XX/XXXXXXXX since they are an online institution I cant go in but they said since the transfer was done in the Huntington app Huntington is the initiating bank not bankcorp bank XX/XX/XXXX I received an email fromXX/XX/XXXX XXXXXX/XX/XXXX stating no error and they still with their decision to return or track or my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
THESE ACCOUNTS ARE TO BE DELETED IMMEDIATELY OR LEGAL ACTION WILL FOLLOW AND SUIT WILL BE BROUGHT UP ON TRANSUNION FOR VIOLATING MY RIGHTS!!! 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). you transunion have violated my rights i am disputing all of the debt they have allegedly verified and they stated all of the information on the accounts as accurate but that is not true i did my research and found improper inaccuracies there are many inconsistencies among the three credit bureaus even after the disputes and validation letters i sent them that include but are not limited to dates accounts opened, date last active, date of last payment, last reported date, past due amount, high credit and balance. furthermore in accordance with the fair credit reporting and convergent accounts # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # XXXX, has violated my rights. # 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 a consumer reporting agency can not furnish an account without my written instructions you will be held liable i need the accounts deleted from my credit report immediately as you have now violated my rights and taken longer then 30 days to respond

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 2019-03-21
Company: STERLING JEWELERS, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received numerous phone calls to my cell phone number, my home number, my girlfriends cell phone number, and to my place of employment from XXXX XXXX with XXXX XXXX XXXX or with XXXX XXXX XXXX. My girlfriend asked me how her number is associated with this account and he said i have her down as a reference, however I never knew my girlfriend when i had this loan or when i paid it off. I spoke with the representative from XXXX XXXX XXXX and told him this debt was paid back in XXXX as it was going to a legal issue and I made payemtn arrangements out of my bank account to pay the debt off. He mentioned he is looking at my credit report right now and it is on their, I never gave him permission to pull my credit report, also he wanted me to work with him to make payments, I explaned to him this debt was paid off and I believe you need to send me a letter verifying the debt before harassing me with phone calls. He said they did back in XXXX, so I asked hime to send me another in certified mail and he said he would not because that costs money. I told him until I receive a letter verifying the debt to stop calling me and hung up on him.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I appreciate you taking the time to DELETE some of the information in my credit file ; however, there is still account that need to be DELETE. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX CARD Account Number XXXX ( FRAUD ), FST XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX XXXX FRAUD ), XXXX  Account Number XXXX ( FRAUD ), XXXX XXXX  Account Number XXXX ( fraud ) XXXX XXXX Account Number XXXX ( Inaccurate reporting has reported paid in full due to auction sell on report then re put on credit as a separate debt. Was not notified by certified mail of a debt after sale per Texas XXXX ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX Account Number XXXX ( FRAUD ), XXXX XXXX XXXX Account Number XXXX ( FRAUD ), XXXX Account Number XXXX ( FRAUD ), XXXX XXXX Account Number XXXX ( FRAUD ), XXXX XXXXXXXX BANK NA Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a debt collector regarding a debt that is not mine. I am a victim of identity theft. The debt collector is National Credit Systems , INC and the original creditor is XXXX XXXXXXXX XXXX / XXXX. I have never lived at, applied or done any business with this apartment complex. I have lived at my address for years, I still live there and have no intention of moving. This debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
1st, I have never lived at the address this bill was charged to. 2nd, this debt was removed after filing a complaint to Equifax. Finally, I didn't realize I had to file a complaint with XXXX too in order to have get this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been trying to dispute this account with the 3 credit reporting agencies for the last 2 years. I reached out to the company reporting the debt XXXX and I requested proof of debt verification. XXXX sent me a letter and a contract about the purchase of a cell phone under a XXXX account that was signed for by another person. The account is showing under my name but it was not a transaction that I authorized and it is not my signature on the document. This entire situation penalizing me for fraudulent activity and is making it hard for me to get my approval for my first home.

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: Experian Information Solutions 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:
information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.

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 2020-08-01
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being contacted by XXXX XXXX who is a debt collector. They are saying that I owe a certain debt from American Express. What they are going off is solely the information that is given to them from the company where the debt supposedly is coming from. I have asked on a number of occasions for them to provide proof of this debt via an original contract. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed if they are unable to provide me a copy of ve rifiable proof, they must remove the account listed below. This is not the first complaint I have filed- XXXX XXXX does not change their tactics and I am still having the same issue. **The CFPB has not helped either even though this has no t been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On, XX/XX/2021 I started disputing A ambulance bill that was reported on my credit file. I have never road in a ambulance. They have hospital bill on my credit that should not be there. I want to see the original documents of these incorrect accounts on my credit file. I have asked for these documents since XXXX. I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX Narrative on XX/XX/2019 On or about XX/XX/2019, I opened an account with 5/3 Bank and declined to opt into overdraft protection per the Opt Rule. My checking account balance at the end of the business on XX/XX/2019 was {$740.00}. There were no transactions made on my account by me or anyone else from that time until approximately noon on XX/XX/2019 when I attempted to make a debit card purchase and my transaction was declined. I found that to be highly irregular and logged into my mobile banking application with 5/3 Bank and noticed that my checking balance is - {$1900.00}. It showed a list of strange " pending transactions '' that took my account from where legally and ethically it was at in the amount of {$740.00} to a high negative balance. 

The Opt Rule, 12 CFR Part 1005 ( Regulation E ) at1005.17 ( b ) ( 2 ), provides official interpretation of conditioning payment of other overdrafts on consumer 's consent. This section requires banks to condition and decline the payment of any overdraft checks, ACH transactions, and other types of transactions on the consumer because the consumer has not affirmatively consented to the institution 's overdraft service for ATM and one-time debit card transactions. On XX/XX/2019, 5/3 Bank willfully and deliberately violated this section of the law and changed my account from {$740.00} to XXXX. This violation came stemmed from an act of negligence on their part to maintain effective and efficient electronic banking systems and became libelous with intentional tortuous liability as a result of them willfully and deliberately using creative and artful means to cause me injury, knowingly violate 12 CFR Part 1005 and erode more trust from not only the banking industry as a whole but specifically 5/3 Bank. 

12 CFR Part 1005 does not provide justification for violating the law by banks for any reason whatsoever and banks are actually the more egregious offender like that of contracts of adhesion but the intentional injury inflicted on my was likely from something that should have been commended for. Apparently, I randomly discovered via penetration testing a flaw within two banking systems that through my efforts and the methods that I used in particular, 5/3 Bank and I were actually able to stop and remedy this glitch that 5/3 Bank has an actually has an official and legal duty and obligation to correct, not me. 5/3 Bank apparently was either extremely cheap in acquiring their business assets like their software & information systems and/or seriously lacking in the acquisition and retention of skilled, competent, knowledgeable, ethical and professional personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This amoun was paid in full

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 2023-07-11
Company: EQUIFAX, INC.
State: WV
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:
There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
XXXX and XXXX are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' XXXX and XXXX are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 and many days before, it is almost every day they call when i am sleeping, i do not owe any dept to anyone.

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 2021-05-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mazda Financial Services has violated my Consumer rights pursuant Title 15 USC 1692g. 
Mazda Financial Services can not extend credit to a Consumer natural person.. 

Mazda Financial Services has a unverified and alleged debt against the original creditor XXXX XXXX to which my credit is unlimited.. 
Mazda Financial Services has no written contract from the original creditor validating any such alleged debt for the consumer natural person.. 
Mazda Financial Services has violated Title 15 USC 1635 by not providing the original creditor the proper forms and documents pertaining to my right of rescission to all credit transactions..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is a complaint about Jared Jewelry. I previously had a payment plan that was stopped for unknown reasons to me. Some time has gone by and I started receiving numerous calls to my cell and work numbers. I advised them not to call my work number and what times I could be reached on my cell. They havent tried calling my cell during the times I indicated and have continued to call my work number even asking to speak to my supervisor.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation