BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: NV
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:
I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX  as my only address but they refuse to remove multiple addresses located all over XXXX XXXX XXXX  as well as an old XXXX XXXX in  XXXX XXXX, I have requested numerous times to remove XXXX XXXX XXXX who is on bkXXXX discharged as ofXX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX ; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paidXX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XX/XX/XXXX,. XX/XX/XXXXabsolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX XXXX. stating that they do not authorize or give consent to reporting my bankruptcy 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 non-monetary relief
Consumer complaint received 2021-11-22
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called XXXX XXXX to file a dispute about XXXX charges I saw on my bank statement. XXXX was for {$XXXX} and the other one was for {XXXX}. The Banker asked me if I wanted to cancel my card. I said no, that I had payments coming out and I buy many things on line. I asked her if the were cancelled how long would it take to get another XXXX, I can't remember her exact reply, but I believe it was XXXX days or there about. I got upset and told her not to cancel the card. I went about my business and ordered some glucose tablets from XXXX The next morning I got a notice that I needed to make another kind of payment. I called XXXX and they said my card had been declined. I am afraid I freaked out. I called the Bank and got a slow Banker who mumbled something about the Fraud Department. He connected mean and I found out that a dispute automatically goes to a Fraud case and the card gets turned off. I am afraid I freaked. I am XXXX XXXX XXXX. I am on XXXX XXXX. I work very hard to keep my finances in order. I have a printer as well as a computer and I regularly print off copies of my Bank pages. I called several other Bankers and got different stories. At the time I didn't have anyone to take me to the branch and get a temporary card. After the last Banker treated me badly. I decided to file a compalint. I called my son and told him about my problem. We had to negotiate a time and he will come over today at XXXX to take me to the Branch. They have a drive up window. I have spoken to the manager before. and he has helped me out. My main concern was that my blood suger had gone down for XXXX nights in a row and I was running out of Glucose tablets to bring it back up. If I didn't have my card I couldn't get more tablets. I don't have a car and no one in my Senior Building, know me well enough to ask them for their help. I didn't think my son could help me because he is a XXXX XXXX  and has a hard time when other people keep digging into his work day. But he agreed to help me get a temporary, I was very upset that the bank had no compassion for the health issue I was dealing with. If I could not raise my XXXX XXXX I could go into a XXXX or get XXXX. I work very hard on covering my bases in taking care of myself. Their not understanding me was extremely frustrating and threatening. They couldn't seem to get it. That woman did not tell me she would have to cut off my card. She led me to believe that it was okay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2017-04-24
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERYINC. #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX  information. I believe under th e Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   . but I am   unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permi ssion to CHOICE  RECOVERY INC. to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request   is two fold and as follows, Validation of Debt, and HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this form  al complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as  a HIPAA comp liance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it  may be a vio lation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX is in possession my private information violating my right to privacy as a federally protected consumer stole my vehicle violating the Regulation F of the FDCPA and violating the code of federal regulation no contract or lien is in the system ally financial is in an ongoing dispute and has still failed to provide documents and books of account to show ownership of said vehicle publication 583 15 USC 49 UCC11 lien search indicates there is no lien provided UCC Financing statement Filing number : XXXX shows having interest in property 31 USC 3718 i am requesting there records that show they have a contract to steal property collect debt belonging to another

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. I want an answer immediately.

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 2021-04-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, I have been trying to work with Equifax for over a year now, Starting XX/XX/XXXX, to fix the issue of lenders not being able to pull my credit report. They get an error stating that this could possibly be fraud and can take no further action on my request. 

I have contacted Equifax at a minimum 20 times over the past year and they give the same verbiage " there is no freeze, lock, or fraud alert '', this must be an issue with the lender. EVERY SINGLE LENDER IS WRONG EXCEPT EQUIFAX. I have been attempting to get a home loan and other personal loans for medical expenses and this has been a real hinderance. 

I faxed over identifying documentation, front and back of drivers license and front and back of SSCard, to no avail on Monday XX/XX/XXXX. Called after the fax was received and still no resolve. Please help me in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: CA
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:
After I gave a copy of a valid FTC Identity Theft Report to XXXX XXXX, they should have stopped reporting the fraudulent accounts to the credit reporting companies. But I also provided a police report proving that someone stole my identity. If these actions guarantee me certain rights then why after someone has stolen my identity, has the fraudulent information remained on my credit report. I have the right to have removed all fraudulent information from my credit report. This is called blocking and once the information is blocked, it wont show up on my credit report, and XXXXXXXX XXXX cant try to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear XXXX Hi, I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent. According to Section XXXX of the XXXX, I would totally appreciate if you kindly provide me the permissible purpose, proof that I initiated these inquiries. In addition, written authorization for all inquiries listed on my credit report. If you have NO PROOF, please delete these inquiries immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXX XXXX NA | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

XXXXXXXX XXXX  XXXX | XX/XX/XXXX : Account number : N/A, ITHIS INQUIRY WAS FRAUD. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide a permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. According to my research, under Section XXXX. Permissible Purposes of Consumer Reports XXXX XXXX. XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX.? XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. The following companies did not have permission to request my credit report : { multiacct } Once again I demand the removal of these unauthorized inquiries immediately. Please send me an updated credit report to my address listed above.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My h usband and I are both retired and we did a debt consolidation with One Main Financial b ack in   XXXX  . Our total loan/ cash advances totaled {$75000.00}. To date, we have paid {$77000.00} but their statements still show that we owe {$75000.00}! We requested an itemized statement of all payments, just to make sure our payments matched theirs and it did. We paid roughly {$800.00} a month, every month however, over 90 % went to interest. We asked for an amortization schedule so that we can see how to pay this loan off without bankrupting ourselves. The  manager  said there was none on " This type of loan. '' She further said that it worked like a revolving line of credit, like a credit card. If that is true, why has n't the balance decreased after making steady payments for the past 8 years? They are now threatening to take our home because of this predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I 've been a victim a identity theft from income tax to credit cards and people trying to obtain things using my credit, such as social security number and birthdate. I called  XXXX  and  XXXX  and they handled the inquiries and bad accounts with no issues, they removed everything that was fraudulent with no problem at all because they can see the pattern of fraud. I called trans union and explained the issue, they told me to call every inquiry on my report and get a letter of deletion. When I call the numbers on the reports the companies state there is no record of me applying for the credit. I have ov er 80 inquiries   on trans union and they will not help me. I hav e 5 inquiries on  XXXX  and 10 on   XXXX , obviously something is wrong. I spoke wi th two su pervisors at trans union and they all say the same thing call the consumer and get a letter of deletion, how can i get a letter of deletion when they do not have the proper information on the trans union report, I called the numbers on my trans union report and the numbers are inaccurate. My loan  officer stat es I seem to be a victim of th e trans union inquiry issue, but I call trans union  and they state I 'm not. I am at a lost here something is definitely wrong with trans union reporting and they will not help at all. The numbers on the transu nion reports to call are inaccurate so i cant get a letter of deletion, I explained that  to two supervisors at trans union and they state there is nothing they can do it will fall off in two yea rs. This is fraudulent and inaccurate reporting what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express sent an offer for XXXX MR points as a targeted offer last year. I needed to spend {$5000.00} in 90 days in order to receive the offer. I completed the terms and have not received the targeted promotion. I have made several calls to their Membership Rewards team and to this date have not received a response or resolution. I continue to get the run around on this issue and it is becoming increasingly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX, I am a consumer/natural person making this complaint on my behalf, there is no third party involved. I have reviewed my consumer reports and found several unauthorized inquiries. Under XXXX XXXX XXXX ( a ) ( XXXX ) There must be written instruction from the consumer to have any information furnished. I did not authorize these transactions nor give written consent to have these inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Accscient, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PLEASE SEE ATTACHMENTS Nationwide Recovery has obtained, used, and trafficked my nonpublic personal information to unaffiliated third parties. Nationwide Recovery is using oppressive and fraudulent practices to coerce payment for an alleged debt and is in complete violation of my consumer rights, the FDCPA and the FCRA. Nationwide has stolen my identity to coerce an alleged payment that I was never given the opportunity to review, cure nor deny the debt before its unlawful furnishing.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation