BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Atlanticus Services Corporation
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been late on payments with Fortiva Retail Credit. Per an email received XX/XX/2023 if I made payment by XX/XX/2023 then they would match 50 % of the payment amount made. They are denying this. Also I received an account statement dated XX/XX/2023 that indicates minimum payment due by XX/XX/2023. There is nothing indicated in that statement that my account was closed. I only found out this information by checking XXXX XXXX and seeing a closed account on my credit report. I then contacted Fortiva and was told a letter was mailed out regarding account closure on XX/XX/2023. 1 representative claims the letter was returned however all my statements mailed to me have never been returned ; another representative I spoke with only indicated they mailed a letter dated XX/XX/2023, nothing in regards to it being returned. I have lived at my address for XXXX years and never had any problems with any other creditors regarding mailed not being deliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.

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 2023-03-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Bank of the West ... incorrect display credit history ... .late payments, non accurate, dates and circunstances... ..they provoke " late payments '' to collect " garbage '' fees ... .Please help me

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 2023-07-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ask Experian to do a dispute on XXXX XXXX on my credit report. And they did they stated that it was accurate, and I did a closer research myself I found improper inaccuracy on my credit report even after they did their research. 

In accordance to the Fair Credit Reporting act XXXX XXXX Acct XXXX XXXXXXXX, 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

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 2023-01-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I will present the facts, and clarify the nature of the complaint. I currently have a XXXX  Citi XXXX  credit card. I had a charge of {$59.00} that began in XXXX without my knowledge. The scam was committed by a hacker posing as XXXX XXXX. I was charged every month during XXXX totaling {$720.00}. I even changed cards multiple times and Citi XXXX  allowed this Hacker to continue charging my account after new cards were issued. I was charged {$720.00} during the entire year XXXX. Citi XXXX  has given my account a provisional credit of {$360.00} that is in a to be determined status. I am a XXXX XXXX as well as a 100 % XXXXXXXX XXXX XXXX. I never had a relationship with this scam or a trial offer nor did I provide them my credit card information. This {$1400.00} scam is putting a hardship on my wife and myself. There has never been an issue prior to this, so in other words I am not negligent or careless with security of my personal information. I pray for the relief and ask for reconsideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
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:
In accordance with the fair Credit reporting act, I sent this company multiple letters exercising my right to privacy, I explicitly informed them that I did not and never consented to REPORTING CONSUMER EXPERIENCE, yet this company continues to violate my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I sent this company letter on XX/XX/2023 via USPS Certified Mail # XXXX to remove this inaccurate information that has already been PAID IN FULL, yet this company is continuing to report that the account is delinquent when they have in fact already been PAID IN FULL. This company is preventing me from opening bank accounts, I have been denied over 7 times and been hit with multiple hard inquiries as a direct result of this company 's actions.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: WV
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:
Account not right and wrong information

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 2022-11-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have recently reviewed my credit report and notices some unauthorized accounts on my credit report. Under 15usc 1681 a.3, you assumed this role without my permission. not only did you not have my consent, you did not respect my right to privacy, which is 15usc 1681 a. 4. You did not exercise your grave responsibility, your were unfair and impartial. 

XXXX has yet to verify or sent verification of a debt that was disputed. with There company. 
I sent validation letters to the credit bureau asking them to send proof/ validation of debt, I have yet to receive any sufficient proof of debt. 
They also failed to remove the information from my credit report during the " investigation process '' while trying to validate my debt. 

They have provided no substantial proof of debt. Nothing with a signature, contract or any other information that states I owe this company any money. These actions were taken over the last few year and I'm sure they have record of the disputes on file. 


THE ACCOUNTS ON FILE FOR EXPERIAN : XXXX XXXX XXXX XXXX FOR {$2300.00} FOR XXXX IT IS XXXX XXXX XXXX FOR {$2300.00} ALSO FOR XXXX : YOUR ONLINE SERVICE ISNT WORKING FOR MY ACCOUNT AND THIS IS PREVENTED ME TO MONITORING, USING AND ACCESSING MY CREDIT!

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 2023-05-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention an urgent matter regarding a debt that has been erroneously associated with my name. I recently received a copy of the contract from XXXX, and upon review, I discovered significant inaccuracies. 

Firstly, the address listed on the contract is incorrect, and I want to emphasize that I have never resided at that address. Additionally, I noticed that the name stated on the contract is not mine, further confirming that this debt does not belong to me. 

To support my claim, I have attached copies of my driver 's license and utility bill, clearly indicating my correct name and residential address. These documents serve as irrefutable evidence that I am not the individual associated with this debt. 

In light of these factual discrepancies, I kindly request that you conduct a thorough investigation into this matter and take immediate action to rectify the situation. It is imperative that this debt is promptly removed from my credit report, as it is unjustifiably tarnishing my credit history. 

I understand the significance of maintaining accurate credit information, and I trust that you will handle this matter with the utmost urgency and professionalism. I kindly request to receive written confirmation of the debt removal and an updated credit report reflecting the necessary corrections. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2023-09-02
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Starting XX/XX/2023 to XX/XX/2023, I made a series of deposits totaling {$200000.00} from my XXXX business savings and my XXXX checking into a new Citi Accelerate Savings. I am also a Citi credit card holder and opened the account online through my portal The funds were properly transferred by XXXX. 
On or around XX/XX/XXXX, access to my Citi portal was shut down. After approximately 15 phone calls and dozens of transfers, I was told my savings account was shut down due to violations of their terms and conditions. The agent stated I or my wife could ask XXXX to recall the funds. 
The next day we asked XXXX to recall the funds. The funds were not able to be recalled as Citi notified XXXX no funds available. Citi would not tell me why my account was closed nor when my funds would be returned. I also asked for a statement, since I had no online access to this savings account, nor had received anything from them in mail. As of today XXXX XXXX, I still have not received the mailed statement of account nor any correspondence from Citi about my {$200000.00}. I made an inquiry with their executive response team almost 2 weeks ago, but have not heard back. Citi won't return my money, which is essential to my business nor let XXXX recall it. 
I need my money back immediately, it's legitimately mine, transferred from an Arizona XXXX branch to Citi. I need assistance in locating and having my money returned asap.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. XXXX XXXX and Experian are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.

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 2023-05-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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 severe 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 explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. XXXX XXXX and XXXX are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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 Act. The account listed under my credit report as US DEPARTMENT OF EDUCATION has violated my federally protected consumer rights to privacy, as well as my confidentiality under 15 USC 1681. 
ACCOUNT NUMBER : XXXX ACCOUNT NAME : US DEPARTMENT OF EDUCATION 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 : 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 ( s ) containing any of the following items of information. Any other adverse item of information other than records of convictions, of crimes, which antedates the reports by more than seven years.

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

XXXX, XXXX, and TransUnion have reported I have a overdue balance on this account for 39 months. They then sent this account to collections without my written authorization or consent. The collections agency then continued to report this false information on my credit report history, negatively affecting my credit health to creditors, and third party companies. 

This inaccurate report of my credit report, and history from XXXX, XXXX, and TransUnion of the balance and lack of payment has permanently, and negatively reduced my credit score for many years due to false reporting, inaccuracies, and these three agencies in question are responsible. 
These inaccuracies are preventing my ability of receiving higher credit scores, better funding opportunities for home loans, car loans, and overall improving my credit health.

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 2023-08-23
Company: KP ASSET CONSULTING LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company says they are a mediator for collecting debt. They call my family friends repeatedly and leave messages saying they will show up at my home and work. I called them to find out what was going on they said their name is KP Asset Consulting and that I owe a debt. I asked for the name and number of the debt owner they would not provided. I asked they only speak to me regarding the debt and in writing they said no. They said they could not stop the calls to family friends etc unless they called them and asked. I am still trying to verify who owns this debt but the collection practices of KP Assets Consulting are abusive and not honest.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation