BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data International - reference no. XXXX on behalf of XXXX XXXX XXXX XXXX claims debt owed in excess of {$800.00}. I have disputed this debt as allowed by IQ Data and have received no indication of why the debt is owed. 

I have disputed the debt and provided proof of full payment through the end of my lease. Disputes sent to IQ Data on XXXX and again on XXXX. Sent via certified mail and I have copies of the documents that were sent. 

IQ Data has since filed a negative report to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
FDCPA Violation Threats to take legal action, After I disputed with XXXX file number XXXX on XX/XX/2023 XXXX consumer relations..on XX/XX/2023 I got a threat to be sued in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TD BANK US HOLDING COMPANY
State: PA
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: Problem with personal statement of dispute

Complaint:
XXXXXXXX XXXX ( XXXX ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with The Fair credit reporting act account name XXXXMIDLAND CREDIT MANAGEMT has violated my rights. 15 USC 1681 section 602 States I have a right to privacy. 15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish any 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. This company keeps updating my info plus {$1.00} minus {$1.00} making my credit score go down every time. This company said there deleting this and it's still on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Resurgent Capital Services L.P.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
IN XXXX i had a XXXX  XXXX credit card where i make a minimum payment of XXXX dollars I WAS INCASTERATED AN FSCING FINANCIAL HARDSHIP I WASENT BE ABLE TO MAKE PAYMENT AS XXXXSETO I GOT RELEASE IN XXXX AND TRY TO GET MY LIFE BACK ON TRACK BUT THIS CHARGE ON MY CREDIT IT HENDERING ME FROM FUTURE OPPORTUNITY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
Jefferson Capital Systems contacted somebody not related to me ( significant other ) about my debt. They specified my name and that they were attempting to collect a debt in their communication. This is illigal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Central Portfolio Control Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the debt that has a date of XX/XX/2023 in the amount of XXXX I dont have a contract with the collector therefore I dont owe them any money. This is supposed to be a medical bill and for a third party to have medical information that allegedly belongs to me is a HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was withdrawing funds ( {$440.00} ) from my checking account at a walk-up Bank of America ATM in the evening on XX/XX/23, and received an error message that said, the transaction was approved but for security purposes your card has been restricted, call the number on the back of your card. No money came out of the atm. 

I called Bank Of America customer service, and they told me the XXXX came out of the account anyway, and they said they were filing a claim that night. They said they would expedite the claim so the funds would be returned the next business day. 

Monday morning, I call and they say there was no claim filed, and I filed a claim again. They said they would expedite it again. 

Later I call in today, they say my claim was denied immediate review, and that they can hold the {$440.00} that I never received that was in my account for up to 45 days.

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 2023-10-04
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX at XXXX I made a cash deposit in the amount of {$1100.00} at a CitiBank Branch atm at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The atm said due to a technical error we can not accept nor return your cash deposit. And it printed a record stating Im sorry. Because of technical problems, I cant return your cash right now. I immediately called the customer service number provided XXXX the message said that the mobile bank system experienced and outage and would take an hour to restore however that didnt apply to the transaction I was making, and the customer agent said try to make a second deposit. I made a {$20.00} deposit and it cleared just fine at XXXX. No one could help me with this technical error matter because on their end it didnt show the deposit. Which was the point I was trying to make to them if it didnt accept nor return my deposit of course its not going to reflect on their end. I contacted the XXXX police dept to make a police report and they said they dont make police reports regarding situations like these.

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 2023-10-04
Company: EQUIFAX, INC.
State: TX
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NM
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:
I am writing to file a formal complaint against your organization for the repeated failures to correct an inaccurate late open account on my credit report. Despite multiple attempts to rectify this error, my credit report continues to contain misleading information that has a detrimental impact on my financial standing. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence to support my claim that this late open account is inaccurate. However, your organization 's persistent failures to address this issue are causing significant harm to my creditworthiness and financial stability. 

It is essential to emphasize that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account on my credit report : Difficulty obtaining credit or loans on favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account on my credit report. If it is determined that this account was indeed inaccurately reported as late, I insist on the following actions : Swift correction of my credit report to accurately reflect my financial history and creditworthiness.

Removal of any derogatory or inaccurate information associated with this account.

Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Please help me correct the late open account : XXXX XXXX Balance : {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Under 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. This action should occur within four business days following the date of receipt of the consumer 's request. 

It has now been a full 30 days since I brought this matter to your attention, and it appears that you are currently in violation of this legal provision. I have been a victim of identity theft, and I am urging you to expeditiously remove the following items from my consumer report : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 XXXX Inquiry Date : XX/XX/2023 XXXX  XXXX Inquiry Date : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 These accounts should not be included in my consumer report as they are in clear violation of my rights. According to 15 U.S. Code 1681b - Permissible purposes of consumer report, any consumer reporting agency is only permitted to furnish a consumer report under specific circumstances, primarily in accordance with the written instruction of the respective consumer to whom the report pertains. I can unequivocally state that I have never provided written consent to any consumer reporting agency to include these items in my consumer report, which is a blatant violation of my rights as a federally protected consumer. 

I insist that you take immediate action to delete the aforementioned accounts from my consumer report without any further delay. Identity theft is a grave matter, and as a consumer, I am exercising my right to have these accounts removed promptly to rectify this issue. Your immediate attention to this matter is expected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
TOYOTA FINANCIAL SERVICES REPORTED A CHARGE OFF ON MY CREDIT REPORT AND THE ACCOUNT WAS PAID IN FULL WEEKS BEFORE THE CHARGE OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Resurgent Capital Services L.P.
State: PA
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NC
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DE
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 report was one of the millions that Equifax let leak out to hackers online. They setup a site to identify people. I was identified by them as having my info stolen. In order to help me they want me to consent to never sue them and give up my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-17
Company: Solar Mosaic LLC
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a representative named XXXX XXXX From XXXX XXXX come by my house about installing solar. I filled out the paperwork and scheduled the initial inspection to see if my house could have the solar installed. There was many questions and issues. After XXXX left, I did research on XXXX XXXX and found out they are basically a scam company with less then reputable service so I canceled the contract on XX/XX/XXXX with XXXX XXXX. I sent in the necessary paperwork and even received a confirmation of the cancelation on XX/XX/XXXX. A few days ago, I received alerts on my credit reports of a new account. I immediately looked into this and noticed that Mosaic was reporting on my XXXX and XXXX credit reports an open account for over {$18000.00}. I contacted both Mosaic and XXXX XXXX. Both said I had never requested the accounts to be closed. I've made several calls to both but they keep giving me the run around. I decided to dispute the credit reports but Mosaic has certified that the reporting is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Bread Financial Holdings, Inc.
State: FL
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 XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief