BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HIPAA VIOLATION Acct # XXXX I asked for validation as well as verification of this alleged debt ... ..I was responded with verified as well as sent notification from IC SYSTEMS INC ... .which clearly violates my rights according to HIPAA.

IC SYSTEMS INC did not provide me a HIPAA release that releases my medical information to them, therefor they are in violation of my HIPAA rights. I will proceed with legal action prescribed by law should this item not be deleted within the required time allowed by law.

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 2018-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an online savings account with HSBC. They advertised a promotional rate. I did not receive this rate. After many calls -- and hours on the phone -- to call centers answering in XXXX and the XXXX -- nobody returning my calls when messages were left -- and many excuses by HSBC including blaming the customer ( i.e. the terms and conditions weren't met ) ... HSBC finally corrected the interest after I filed a complaint with the CFPB. It turned out it was an internal error at HSBC that the account was keyed wrong when it opened. Nobody at HSBC ever apologized for the run-around. Then, after withdrawing all of my funds leaving a zero balance, on XX/XX/2018, I attempted to close the account for my own safety. HSBC refused to close the account because of an address change, that would take many days to process. An address change should not take days to process and should not be an obstacle to closing an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2021-09-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax just dropped my credit score XXXX points today from XXXX to XXXX, despite there being no new activity at all, and particularly no new negative activity. When I called and demanded an explanation, they brought up negative activity that is at least XXXX and a half years old or older, and the most recent negative mark is a collection from XXXX, 2021, for which I've reached a settlement with the collection agency with and have been paying off since XXXX. I also just completed paying off another settlement of a loan 100 % satisfactorily and did it XXXX months ahead of schedule. Both of these items really aren't even mine in the first place, as I've taken them out of something else I'd ordinarily be paying, but that's besides XXXX XXXX. I have a " good '' or " excellent '' rating on XXXX of the XXXX factors that go towards deermining a credit score, and I've been working very diligently to fix it, as I had an XXXX XXXX XXXX for many years up until several circumstances came up a few years ago, that were not my fault that caused my score to take a severe dip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
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 XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received at Text msg asking if I transferred {$2000.00} YES or No I text back No and immediately my phone ringed popping up XXXX Under Chase Fraud Department I spoke with a man who told me someone was trying to take {$2000.00} out of my account and I needed to send it back to my self. 
I was such in a panic so I just did everything he was telling me to do. Not realizing I was actually transferring the funds to him. 

After realizing what just happened I contacted Chase immediately, I filed a claim but unfortunately Chase declined it and told me that there was nothing they can do to get my money back. I contacted the news as my next resort. 

Please let me know if there is anything else I can provide regarding this matter. 

Thank you! 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Ally Bank earlier this year on XX/XX/XXXX and transferred {$100.00} on XX/XX/XXXX to the account. Later on XX/XX/XXXX my mom deposited {$100.00} and {$200.00} on XX/XX/XXXX via XXXX. I tried to transfer {$370.00} out via XXXX on XX/XX/XXXX this year and Ally Bank wouldn't let me. They restricted and froze my account claiming suspicious and fraudulent activity but it was me trying to get my own money from my account. They shut down my online account and I could no longer log in. I called multiple times and was put on hold for hours on XX/XX/XXXX until the bank hang up on me and told me there was nothing they could do. I kept calling in XXXX and XXXX and XXXX many times and was put on hold and transferred for hours and never was able to access my account or money again. Finally on XX/XX/XXXX I called and was told that they closed my account and sent me a check, but I never received any check. I told them I had not received the check and they sent me an affidavit to sign on XX/XX/XXXX which I signed and sent the next day via XXXX mail and fax. I still have not received the check for my money. The bank stole {$400.00} from me and I need the money back.

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 2018-02-09
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: Information belongs to someone else

Complaint:
This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along  with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX  # XXXX XX/XX/2023 Fraudulent Inquiries XXXXXXXX XXXX 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 2023-03-14
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: Personal information incorrect

Complaint:
Experian has put a middle name on my credit profile that is not mine. This is not my name and has never been my name. Experian has a copy my passport already and I'm not sure why they thought to ADD a middle name to my account and MISPELL IT. I do not use my middle name and do not want a middle name on my account. 

Remove this because it's not spelled correctly and I did not authorize the addition of any name changes on my account and they do not have any supporting legal documents, such as a birth certificate, ID, Passport, ANYTHING with my name spelled like this. 

This information is false and inaccurate and needs to be removed immediately. Do not put any unauthorized names on my profile, file, report or any other documents that Experian has to identify my name.

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 2023-10-12
Company: Prince Parker & Associates
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency, Prince Parker and associates in XXXX NC are attempting to collect an incorrect amount with XXXX XXXX XXXX. 

I contacted the agency by phone on a recorded line of on XX/XX/2023 to dispute and stop the collection process per their letter until they prove the debt was valid and to also provide me with an itemized statement showing how the debt was determined at that amount. The amounts are incorrect. The agency just sent the final bill and nothing more. They did not stop the collection process as it was stated on their letter and they illegally reported to the debt on my credit. I called and wrote to them. I did speak with an agent and she threatened to report if not paid. I told the agent they needed to provide proof of this debt, not just a statement without any justification of the debt amount. Told the agent, that was against my rights with the Fair credit reporting act. A week later they report to my credit with not letter, no notice. Illegal! 

This company prematurely report this debt to my credit report negatively impacting me without doing their due diligence. 

I need help to get that debt removed off my credit report and once debt is validated and justified then I can settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XX/XX/21. Experian replied saying they needed my authorization to proceed with the complaint. I called and gave them my authorization on XX/XX/21 and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2018-12-22
Company: CITIBANK, N.A.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 I received a letter from XXXX 's, XXXX XXXX XXXX, XXXX, Ohio, XXXX. The letter concerns a problem completing my application for the XXXX  's American Express card. I NEVER applied for this card, but when I called the New Accounts Customer Service ( XXXX ) the recording asked for my 9 digit social security number, which, of course, I did not provide. 

This is an obvious scam to steal my identity. Thank you for your help in this matter.

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: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have been trying to get my remaining money out of a closed account at Comenity XXXX XXXX XXXX for about one year. Despite a letter to them and multiple phone calls I have been unsuccessful. 

The problem began when I lost my credit card and a new one was issued, with a different account number. A credit from a canceled XXXX XXXX  XXXX reservation went into that former account for {$530.00} in XX/XX/XXXXXXXX  or thereabouts. I contacted Comenity Capital Bank and received a letter stating they were researching my claim on XX/XX/XXXX. Please allow up to 90 days for us to complete our investigation, they wrote. There was no subsequent reply. I started calling their customer service 4 to 5 months later ( on XX/XX/XXXXXXXX  ), and then repeatedly called back as no action ensued ( calls on XX/XX/XXXXXXXX  with dispute team supposed to call back but they never did, and then again, a XX/XX/XXXXXXXX  call ). I continue to receive statements regarding that closed account with a positive balance showing but have never received a check for that amount. 

I am demanding my money back, and an apology for this failure of customer service The account number of the closed account ends in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have sent the letter that I have attached to complaint asking for documents to be sent to me and allowed 30days to pass but I have yet to hear back from the company.

The documentation that I have requested is : 1. ) Validation of debt the full accounting on and off ledger 2. ) Verification of the claim against me ( signed invoice ) 3. ) A copy of the contract binding both parties in a letter by certified mail so that there is an independent witness to it having been delivered. 

I have also agreed to continue to pay as long documentation is provided but I have yet to receive documentation. 

Letter was sent XX/XX/2023 and was picked up by someone on XX/XX/2023 at XXXX Tracking number XXXX via XXXX XXXX mail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX submitted 401k packet solidifing acct held with citibank since employment term back in XXXX By XXXXdocuments were recieved via fax to withdraw 401k ( Documents sent via fax 2xs ) ( Documents emailed XXXX xs ) As of XXXX-additional paperwrk received ( originally submitted but then advised not needed then requested then adv it was received originally but back dated to XXXX when originally sent billed for that cycle had claim been worked effentially wouldnt be outdated then being advised different things 2-3 different occasions from managers ) From XXXX to XXXX nothing has been done in regards to my request to process closure for my 401k. Citibank knows we can not go into the office there fore they are conducting a long strenuous process to make it difficult for holders to close accounts. When i called today during business hours they had my number routed to a vm indicating call back during business hours i call checking citi they transf me over i get put on hold for a rep who never returns citibank is definitely a fraud and i want to know my legal options

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 2023-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-10-17
Company: EQUIFAX, 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 Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX  XXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 15.U.S.C 1681 section 602 A . States that 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

Company response to consumer: Closed with explanation