BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express has provided my work address to two different debt collectors. 

XXXX XXXX XXXX, is the second debt collector that has sent mail to my place of business concerning a debt from American Express. The mailing is attached. 

On both occasions, the person that receives the mail sent to that address opened the mail, not knowing that it was personal mail. 

I have never given American Express this address as a method of contact for me. 

I contacted American Express on XX/XX/2023, around XXXX a.m. central time, to inquire about the address and to inquire about the status of my accounts. I wanted to know if my accounts had been sold to a debt collector or placed with a debt collector for collection purposes. I was not given a direct answer to those questions. The American Express representative told me that another " Team '' was handling my accounts. 

I learned from a previous complaint filed against, XXXX XXXX XXXX, that the address was obtained from American Express. The response letter from XXXX XXXX XXXX, stating that the address was obtained from American Express is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Although I have already submitted my initial complaint, due to Cashapps negligence on securing my account and funds as promised, and already having been denied, I am now receiving a number of emails, with misinformation and no solid resolution to my claim. Although I was already denied and my case was closed on Friday XX/XX/XXXX ( less than 24 hours after the case was opened, I am now receiving emails, stating that cashapps determination was verified that my account was definitely compromised, and that my account had been secured. First one was on XXXX XX/XX/XXXX stating they determined my account was compromised and would secure it. ( 8 days later from when I called in to report my information had been changed ) Then a second email on XXXX  as well XX/XX/XXXX, stating that a investigation had been started? A second time??? ( original investigation started XX/XX/XXXX, got denied and closed XX/XX/XXXX ) and on XXXX XX/XX/XXXX the final determination of NOT finding any suspicious activity and closing my case, yet again. 

So my issue here is the mixed information Im receiving, the acknowledgment from cashapp that they determined I WAS compromised, but still found no issues. There is a lot of discrepancies in this entire matter. It seems to me that no one is on board with the same information, with a extreme lack of identifying suspicious activity, or any compassion for their clients losses and private information being exposed. I need a resolution and only ask to be returned what was stolen from me. I will attach all the new emails. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/23 I received a new application alert from XXXX. The morning of XX/XX/23 I received an alert from XXXX XXXX XXXX that {$12000.00} had been withdrawn from my savings account by XXXX CITIBANK , N.A . which was not authorized by me. XXXX XXXX XXXX CITIBANK , N.A . I called XXXX they gave me the number of CITIBANK to contact them, I called XXXX spoke to the Fraud Department to XXXX. I explained I had not opened this account and that my credit file was locked on all three credit bureaus and didn't understand how this could happen. She gave me a case number XXXX and assured me the account would be locked and closed, and I would receive a report in my mail at home. ( unfortunately, I was on a 3 week trip to NY and wouldn't be home till the last week of XXXX. I then called my bank XXXX XXXX XXXX XXXX and put in a dispute over the transaction. On XX/XX/XXXX XXXX had returned the money to my Account and locked it to prevent further activity until I could get back and open a new account to transfer funds to. I returned home on XX/XX/23 and opened a new account at XXXX XXXX XXXX at which time I transferred my existing funds to the new accounts. I have yet to update all direct deposit information to my existing accounts. I have tried serveral time to reach out to CITIBANK and on each attempt they were unable to provide me any information but instead told me I need to go to a branch office to solve this issue. I explained the closest branch office is over XXXX miles to the other side of the state. I have since reached out to XXXX who recommended I file this complaint. I would appreciate any assistance as I have received checks, and atm card and other material from CITIBANK. Please advise if you need any further information,. 
ps- I did try to contact the local authorities who advised me that because my money had been returned they couldn't open a complaint.

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 2023-07-19
Company: EQUIFAX, 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. 

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 non-monetary relief
Consumer complaint received 2023-02-16
Company: T.S. Holdings
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has not been collecting {$59.00} a month from me. I have not been a patient there for more than 2 years, XXXX XXXX was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently paid off an automobile loan early. TransUnion lowered my credit score XXXX point for my loan being closed. 

I would like to remove TransUnion from ever being involved in my credit reports again.

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 2023-07-19
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:
Today is XX/XX/2023 and here is proof that Equifax is lying to me and the CFPB. I have been sending letters and complaints about fraudulent inquiries on my Equifax credit report and Equifax is responding here and also in letters saying that those fraudulent inquiries are been deleted it. I also sent them an identity theft report and nothing. Here I include a letter they sent me and also 4 complaints that they responded to and said that the inquiries have been deleted, I'm also including a credit report from today 's date XX/XX/2023 from their own website that shows that all those inquiries are not deleted as they say and still on my credit. The most recent complaint from them was on XX/XX/2023 here on the CFPB portal where they said those inquiries were deleted and they are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: LA
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:
Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: OK
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 have been attempting to deal with Equifax since XXXX XXXX XXXX. I was locked out of my online account, being charged monthly for a service I could not access due to being locked out. Finally, I called Equifax and on the 5th attempt I did reach a customer service person who reported that they cancelled the service but I got no refund for the 6 months I was not able to access my account. One year later, still not able to access my credit report sent multiple dispute letters to Equifax, no response, called on the XXXX try reached a customer service person who said I would be getting an email within XXXX ( XXXX ) days to resolve being locked out of account. I never received it. I have over 35 hard inquiries on my credit report that were initiated without my consent, again customer service refused to help stating I needed to contact each business individually, even though I had done that, still refusal to assist. Today I attempted to log back into my account, I am attaching screen shots. Both XXXX and XXXX reflect at least XXXX pts higher, while Equifax will not cooperate or acknowledge even my existence. I am sending a certified letter with Intent to Sue. TWO YEARS and definitely experienced $ $ $ $ $ thousands of loss due to high risk financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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


ACCT : XXXX DATE OPENED : XX/XX/XXXX I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I sent a dispute registers mail with return receipt on XX/XX/2022. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/2022, and the dispute still has not been initiated nor finished

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My parents ( XXXX XXXX XXXX bank at Ally and we have had a very hard time with them. My father was scammed and then has been the victim of identity theft and had multiple issues with his money being stolen. They have helped us but then today, my father got an email that our accountw were closed with no explanation except to call if you have any questions. He called me and we logged into our accounts ( I handle most of their finances ) and see a withdrawal of ALL of their money. {$36000.00} from the main account and the balances from all three accounts show withdrawn and the accounts closed. I call right away, trying to figure out how someone got the money since it doesn't have any explanation- like a transfer? ATM? Cash? After an hour on the phone with support who also is confused and can't figure out how the money was withdrawn, she is finally able to talk to another department and we are told the bank closed the accounts and put checks in the mail to us. By now my mother is needing medical attention, afraid that their life savings is gone. So, I say, please cancel those checks and put the money back and we will transfer it out. They say it is a bank check but they can not cancel and we just have to wait the 7-10 days. I ask if we can get confirmation of why the accounts were closed. Again, did someone call and request this and has some plan to steal the money? We are told we have to wait for the explanation and checks to arrive in the mail. So, we can just freeze your ALL OF YOUR MONEY with NO WARNING and it is within their rights to do so? I don't care if they close our accounts but now we have no access to our money and no confidence that we will get it. It is a nightmare. It does not seem like it should be legal for them to essentially freeze our money with no warning or explanation. This is devastating.

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: Consumer Adjustment Company Incorporated
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a net credit account on my credit report from XXXX. This was from a divorce and was resolved and the balance was roughly XXXX. In XX/XX/XXXX, I had a new account added to my credit for {$2700.00} for XXXX XXXX for net credit. This account is not mine and is for a completely different amount from the previous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a XXXX  account XXXX XXXXXXXX XXXX {$14000.00}, XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$750.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$770.00} has violated my rights to privacy. 
15 U.S.C 1681 SECTION 602 A .Its states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section A states I have a right to privacy.

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 2022-12-19
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: AZ
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:
They're reporting me as late even though I'm not so please look at the attached documents for further information regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Amsher Collection Serv @ XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( the erroneous debt was sold to them by XXXX  ) threatened me and refused to work with me to resolve a debt that was paid in full and erroneously applied to my credit report as a collection. 

When trying to resolve it I was hung up on, place on hold multiple times, aggressive tactics were used to force me to accept a debt that I knew was never valid in the first placed, and then threatened with suit for attempting to seek resolution. On top of that I was lied to ( on a recorded line ) when they told me multiple times that I would get an email that shows me the charges and validates them. 

These are some of the rudest, most inconsiderate, aggressive, and I'd say they are at a bare minimum committing malpractice as a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called national credit adjusters who has the debt now, I told them I never had that account, they said it was original a XXXX XXXX account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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:
Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of Education/XXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.

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 2023-04-20
Company: Sulphur Bank Rancheria Enterprises
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/ I was approved for the loan of {$1100.00}. The interest rate is 766.76 % and as I pay, the loan amount continues to increase. I am charged every pay day for this loan. When a missed payment occurs, they threaten to contact my employer for wage garnishment. I have XXXXwo small children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options.

Company response to consumer: Closed with explanation