BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My bank account was served with a levy from the debt collector Midland funding from a judgment that was issued in XXXX of XXXX they went back to court and submitted this writ dated XX/XX/XXXX of this year I submitted a motion I did not get a chance to file the questions to be answered because I was never served with this I would have definitely called and got it. 
This company didn't do the right stuff they supposedly sent it to me wrong address I've not been there for over 2 years they submitted this to the wrong bank because the bank is no longer in existence documents are not correct Bank should have never taken them. 
I received a motion from the judge that I can't reach out to the from the judge that I can't reach out to the from the judge that I can't reach out to the company from the judge that I can't reach out to the company to from the judge that I can't reach out to the company to work from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a from the judge that I can't reach out to the company to work out a payment arrangement and the company refuses to do that if the original judgment was issued in XXXX and I'm just now getting this in XXXX My question is what are the rules and laws of them notifying me within the four years of the original judgment it's not on my credit report it's nowhere out there as a public notification to know that it's out there that I need to get it taken care of I told the lady don't you think people 's lives change him 4 years.

They were rude they refused to get me a manager I just wanted someone to work with me and reverse this I offered to pay {$500.00} at the release of my money and set up the rest on a payment arrangement monthly and they didn't want to do that they stated it's too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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: Reporting company used your report improperly

Complaint:
I accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit 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:
Called AMEX since gift card was not being accepted anywhere even though the {$75.00} balance has not been touched and shows available on the card. Took hours to get through to a rep who hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rights.

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

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: BOK FINANCIAL CORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I was the victim of a scamming incident through XXXX. I immediately called my bank to advise what had happened, and they opened a fraud investigation. I lost {$1600.00}. I never received any update on the outcome of the fraud investigation, and they refused to reimburse the money that was lost through the XXXX scam. I filed a police report as well. I was told by a personal banker that I would be receiving correspondence regarding the outcome of the fraud investigation, but it has been almost a month, and I haven't received anything. I have been a customer of this bank for over a decade, and the fact that they refused to cover the amount that I was scammed out of ( {$1600.00} ) and not treating me like the victim of the crime that I was was deeply disappointing. We are a family with one income and a child. Losing that kind of money was deeply upsetting for us and effected us greatly on our ability to pay our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I found a women on XXXX  who claimed to have puppies. I paid a {$350.00} deposit on one in order to secure it on XX/XX/XXXX. On Monday XX/XX/XXXX, She reached out saying that her husbands father-in-law passed away and she would have to have the dog shipped to me. However, I needed to pay the remainder before she could ship. This is when I got red flags. I asked for the refund I was promised in conversation prior and never received a response. We reached out to Zelle and they asked us to report it, which I did, but we would have to contact the bank to dispute the charges. I then called XXXX XXXX and they said because Zelle is " same as cash '' if the transaction had processed then they wouldn't be able to refund me the money. We believe we know who the person is based on a basic email search and connected social media accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Your capacity to erode my faith in the banking system greatly concerns me. The integrity of the banking system relies on fair and precise consumer reporting, as outlined in accordance with 15 USC 1681 ( a ) ( 1 ). I have observed entries on my consumer report that warrant attention.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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'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 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 2023-07-15
Company: EQUIFAX, INC.
State: WI
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:
I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US 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 all the accounts listed IMMEDIATELY! XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXXXXXX {$85.00} US Dept of ED/XXXX  XXXX US Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) XXXX 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 and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
AMEX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: IL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXXXXXX 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year 2022 and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : XXXX XXXX XXXX Name ID # XXXX ) -XXXX  XXXX  XXXX XXXX XXXX ID # XXXX ) XXXX XXXX XXXXXXXX ( XXXX ID XXXX XXXX ) Requesting Experian to correct my name and remove all other inaccurate names 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX XXXX 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 2023-12-11
Company: Kikoff Inc.
State: AZ
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:
I have a kik account that I pay on every month and have been paying on it for months {$5.00} I go into my credit and they have me in collection saying I don't pay it and I have all my bank statements showing to this day that everything is been paid up to date so they're freely taking money out of my account and then they're going into collections on me saying I'm not paying to me that's not helping me that's to me that's not helping me that's stealing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUITY LOANS LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called in to make a payment on my mortgage though Equity Prime Mortgage ( EPM ) because there was a problem with my automatic withdrawal. I asked if a late fee would be assessed and I was assured there would not be XXXX assessed ( this can be verified by the recorded call that XXXX has on file ( XX/XX/2022 ). 

On XX/XX/XXXX, my loan was sold to XXXX XXXX. However, a late fee ( {$89.00} ) was assessed by XXXX and never removed. Now XXXX wants me to go through several different steps to get it removed since they do not service the loan anymore. 

I have spent several hours of my personal time dealing with this and I don't think I should have to. XXXX decided to sell my loan, they should honor their commitment from the call on XX/XX/2022.

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX  XXXXXXXX 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, 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 non-monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-20
Company: CITIBANK, N.A.
State: KY
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:
Citibank is in severe violation of the FCRA by failing as a furnisher to provide reasonable investigation, and committing unfair and deceptive practices ( UDAAP ) by failing to acknowledge they are participating in attempted identity theft. On XX/XX/2023, I received a credit reporting alert of a new credit inquiry. XXXX reported a credit inquiry that same day from Citibank NA., Best Buy. I immediately called Citibank at XXXX to dispute this credit reporting because I did not request an extension of credit or authorize the use of my information in any manner. I have excellent credit and was fearful the credit was open, but Citi confirmed it was denied. Citi never provided me a reason for denying the extension of credit, but during this call I was grateful Citi did not find it appropriate to approve the request. That same day I initiated a lock on my credit with all three credit reporting bureaus to prevent future attempts of fraud. 

On XXXX Citi called to verify my mailing address so they could send their final investigation results. A few days later I received Citi 's denial to remove the hard credit inquiry. Citi justified maintaining the reporting because all of my correct personal information was used to initiate the credit request. Because my personal information was fully used to make a credit inquiry, open an account, etc., does not negate fraudulent activity. I am disappointed by Citi 's failure to acknowledge attempted identity theft and the attempt to open an account with their financial institution using my personal information. Citi clearly found reasonable justification to deny the fraudulent attempt to open the credit account, but fails identity theft victims by refusing to remove incorrect credit reporting 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