BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and Citibank froze my checking account randomly for no reason, and I cant do anything with my funds. I demand them to unfreeze my account, I call customer service and they just rudely hang up on me with no solution.

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 2022-05-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX ( Original creditor ) Opened : XX/XX/XXXX {$770.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Opened : XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX creditor Opened : XX/XX/XXXX {$1200.00} 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 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

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 2015-06-10
Company: MRS BPO, LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
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. 

XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Acct # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: Finance of America Holdings LLC
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Settlement process and costs

Complaint:
This is the second complain about Urban Financial of America. Since the last complaint three months ago they are still procrastinating and doing nothing I have submitted everything they ask. This application process is still not finalized. There 's nothing else to submit. I still have not going to settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft, and have been battling creditors since XXXX 2015. My son, XXXX XXXX XXXX used my personal information to open up several credit cards under my identity. The fraud was exacerbated by the fact that at the time he lived with me and my wife at XXXX XXXX XXXX XXXX, Ca XXXX. On XXXX XXXX 2015 I filed a formal police report and had a Fraud Affadavit notarized as recommended by both the XXXX Police Department and the Federal Trade Comission. I notified all creditors with claims against me of the facts and thus began my lengthy ordeal navigating this mess. I understand things are confusing as we both have the same name and the statements were sent to my mailing address, but this was all perpetrated by my son whom has confessed to it and takes responsibility. 

I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. Out of all the creditors only Discover Bank has brought legal actions against me, and also after being formally notified and being provided copies of both the law enforcement report and the fraud affidavit continue to disregard the facts set forth in this case. The willfull negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section XXXX and Civil code XXXX -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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:
Fraudulent activity 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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : US DEPARTMENT OF EDU XXXX ...., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX ..., US DEPARTMENT OF EDU XXXX...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
THe company was Transworld Systems inc . The collection was for a final waterbill which i am not sure if i actually owe it from 4 years ago. They sent the collection notice to my brothers address which he has only lived at for 2 months. I questioned them on how they got that address and they said it was on the water companies file. It was not as I had already called the water company. She then proceeded to tell me i was lying then i asked her to transfer me to her supervisor. She responded they were not there and i would have to do with a voice mail then she cut me off. She did this again after I called back. The bill was {$35.00} and on the first call she said it was denied which i knew better as i Had over XXXX in this account. She then asked me to pay via my bank account i told her no. I ask her to email me something saying that once i paid this ( keeping in mind i do n't think i owe it ) she refused and hung up on me again. Through out the conversation she kept talking over me not allowing me to get my questions out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Account status incorrect

Complaint:
There were fraudulent items on my report which I have supplied the several police reports for. Since XXXX, XXXX XXXX has placed items on my report that have no belonged to me due to identity theft that has been reported time and time again. These notices were sent to each bureau as well as the agency reporting the information : I, XXXX XXXX XXXX consumer associated with account numbers XXXX ..... 

They have received written notices of billing errors pursuant to 15 U.S. Code 45 1666 ( a ). Pursuant to 12 CFR 1026.13 this is a billing error and requires resolution. All balances are satisfied by the united states 15 U.S. Code 1666d which states that any amount listed on a statement is considered excess of the total balance due When it came to my attention that XXXX  XXXX had been furnishing deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements and related reports to Equifax, XXXX, XXXX, FICO. 
XXXX XXXX has also furnished deceptive forms pursuant to 15 U.S. Code 1692j via mail in the manner of billing statements to my domicile requesting payment of an alleged debt. 
The statements always arrive with a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S. Code 1666 ( d ). 
The account with XXXX XXXX was opened under a consumer credit transaction utilizing my open-end consumer credit plan. Pursuant to 18 U.S. Code 8 and Public Law 73-10, all debts are the obligations of the United States . 

XXXX XXXX 's furnishing of deceptive billing statement ( s ) is deemed to be racketeering activity in the form of extortion pursuant to 15 U.S. Code 1961. 

XXXX XXXX has never made amends nor has XXXX XXXX provided me non-equitable relief for my current account or new one created. In addition, XXXX  XXXX has not made amends by submitting a complete erasure of all negative marks reported anywhere including but not limited to Equifax, XXXX, XXXX, XXXX, and FICO. 

I have stated all matter should be handled in writing due to the deceptive nature of doing business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
the company is CCS XXXX BANK, XXXX PNC BANK HAS XXXX THESE PEOPLE MY PERSONAL INFORMATION STATING THAT I OWE A DEBT THAT I DO NOT HAVE A LOAN OR NEVER DID HAVE A LOAN WITH PNC BANK NOW XXXX ARE CALLING ME MAKING THREATS OVER THE PHONE FROM PNC BANK PNC BANK STILL XXXX ME MONEY,, THIS IS VERY ANNONYING AND MY PERSONAL INFORMATION HAS BEEN GIVEN TO THESE PEOPLE WITHOUT MY CONSENT,, THIS ABUSE OF THE PRIVACY ACT WHICH I AM DISSAPOINTED BY PNC BANK TO GIVE MY PERSONAL INFORMATION TO STRANGERS.. PLEASE HAVE THEM STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In XXXX, Discover notified me that they were going to replace my card due to a possible data breach that was not due to their system. I asked what vendor had the breach so that I could consider if any other action was needed on other credit cards or personal information. The response I got was that they could not release the vendors name. I did not feel that the explanation was adequate so I recently asked for clarification on the reason I could not get that information. I was again told that they could not release the information, but was not provided with the specific reason such as limited by law, company policy, or agreement with vendor. I want to know the reason for the limitation to understand if it is a legitimate reason or just words so I stop asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Did not see a category that fit perfectly. A debt collection company named Alliance One, XXXX XXXX XXXX XXXX XXXX, WA XXXX charged our credit card {$30.00} without our knowledge or consent. We have never been contacted by Alliance One in any way. When I called Alliance One they confirmed the charge based on the charge date, the charge amount, and the last XXXX digits of the credit card account, at which point they gave me a reference number. They did not ask any questions ( name, address, date of birth, etc. ) to confirm that I was the actual person related to the charge, which amounts to Disclosure of Verification of Debt. They transferred me to another person who then wanted all kinds of personal information but refused to explain who the company was, what the credit card charge was for, or how they got my credit card information to begin with. We had to have our credit card cancelled and a new card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 

XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$990.00}

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 non-monetary relief
Consumer complaint received 2020-10-01
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Regions in XXXX, Georgia. I contacted my bank because I have fraudulent activity. I was told I have to wait for the purchases to go all the way through to make a claim. 
this all happened XX/XX/2020. My bank has made no action to get my money back. Here are the charges : XXXX XXXX XXXX  : {$1.00} XXXX XXXX  XXXX  : {$1.00} XXXX : {$23.00} XXXX  : {$39.00} XXXX XXXX : {$80.00} XXXX* XXXX : {$5.00} XXXX : {$5.00} XXXX XXXX  D : {$1.00} XXXX XXXX XXXX {$16.00} XXXX  : {$10.00} XXXX   : {$25.00}

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 monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
So I sent a letter off on XXXX XXXX. Here is my tracking numbers # XXXX and XXXX. To remove personal information that I do not want on my credit report. According to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

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 2017-09-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I missed the 3rd payment of a 3mth trial with XXXX XXXX through Fifth Third Bank. I found out that my ex-fiance has been talking to the bank without my written consent. I was unaware anything was wrong. He had been taking the money for the payments and buying drugs with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I've noticed I have a hard inquiry on my Transunion report for the below. 

XXXX XXXX XXXX XXXX XXXX Bank ) on XX/XX/2021 I'm not sure what this is as I have not gotten any loans or have applied for anything.

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 2022-08-19
Company: EQUIFAX, INC.
State: NJ
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:
We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX XXXXXXXX XXXX nor XXXX XXXX nor XXXX XXXX XXXX, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX XXXX all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473

Company response to consumer: Closed with explanation