BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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:
My complaint is about XXXX XXXX XXXX and Experian Credit Bureau. I noticed XXXX unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. Because I did not apply for credit with XXXX  on that date. I had applied to XXXX on XX/XX/XXXX, and XX/XX/XXXX, those inquiries are legitimate and show up on my credit report but not on XX/XX/XXXX. 
Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

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 2022-07-03
Company: CITIBANK, N.A.
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:
My complaint is about CITI BANK XXXX BEST BUY and XXXX Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX. 2021 Because I did not apply for credit with BANK NA BEST BUY.. 
Please launch an investigation into CITI BANK XXXX BEST BUY inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if CITI BANK XXXX BEST BUY is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

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 2023-09-20
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a notification from XXXX that my credit score dropped XXXX XXXX. As I signed into my account, I found a collection account I knew nothing about. This company is Wakefield & Associates flagged as Collections for {$2100.00}. Prior to this notification received no mail, no calls or any kind of communication regarding this account. I have no idea what this is and I don't even have any outstanding debts. 

On XX/XX/XXXX, I sent a certified debt validation letter to Wakefield and I have yet to receive any communication from them verifying this is my debt. Prior to mailing this letter, I XXXX the company to find out what kind of collection this is. I was not able to find any information on this company and also found several negative reviews on XXXX XXXX XXXX XXXX site stating this isn't a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received notification from XXXX on XX/XX/22 that my Target Red Card issued by TD Bank had lowered my credit limit. I immediately called Target since there has been no negative changes on my account nor on any other accounts with any other lenders. With the run around and their representatives giving me false information I threatened to close my account unless they could tell me and honest answer. They representative became condescending, stating that my contract says they can lower my credit line, etc, but the information didnt make sense. He proceeded to say if my account is closed its permanent and I could never have an account again, I said good but stated that I need to understand what happened, he then in the middle of me trying to obtain factual information said I closed your account and there is nothing more he could do, I tried asking follow up questions, asked for an escalation and he said basically no and hung up on me. I called back and spoke to 2 additional representatives who all said they were supervisors on floor that no one else was available that there is no escalations department I could speak to, one finally said she filed a complaint but that no one would call me back, because they cant make calls out. XXXX stated that he cant see notes or documentation on my account. He stated my account is closed permanently, I told him I didnt want my account closed I just wanted answers and wanted to know how they can conduct business this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: William D. Meeker Enterprises, 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: Credit inquiries on your report that you don't recognize

Complaint:
15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit car account under an open end consumer credit plan as late for any purpos
e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I applied and was approved for the CitiBusiness / AAdvantage Platinum Select World Elite XXXX card. 

The card promised XXXX XXXX XXXX AAdvantage bonus miles after spending {$4000.00} in purchases within the first 4 months of account opening. 

I completed the spend during the second month of card membership, and was on track to receive the bonus at the time of the statement close. 

During XXXX ( the third month of card membership ), Citi closed my card suddenly, without any warning or communicating their intention, and without giving a proper reason. The closure letter stated that they detected behavior that was not consistent with how other customers use their cards. I only assume that were referring to multiple payments made to my credit card during my card membership. I had a perfect reason for these payments and in my view there was nothing that should have led to the account closure ( at least not before talking with me ). 

At the close of my most recent statement ( XXXX ), I was awarded some XXXX miles for the spending done during the last 30 days, but I was not awarded the XXXX points associated with completing the bonus offer requirements. I do believe that I am owed the {$65000.00} miles promised at the onset of the account opening, for which I met the promotion terms. 

The account was open and in good standing when the spending was completed and the terms were met. The payments were also made in full. Citi waits until the end of the statement close to award rewards, and they chose not to honor the promotion because they closed the account just before the statement closed. They did award the regular spend miles ( just over XXXX ) but not the promotion bonus. 

This is unfair and deceitful, and I feel taken advantage of. They've cost me my time, my spending, the opportunity cost of earning rewards with another credit card product, and of course they cost me a hit to my credit-worthiness.

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 2022-09-22
Company: DigniFi
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/22 about XXXX DigniFi contacted me about my past due account. I was advised that the call was an attempt to collect a debt and that the call was being recorded. I advised that I did not want the called recored, when I was told that the call had to be recorded I explained that Maryland is a XXXX party consent state where both parties have to agree to the call recording. I re-affirmed that I did not want the call recorded. Dignify continued to record the call after I told them numerous times not to record the call. I asked to be connected to someone who could talk to me without recording the call and was told that its not possible. Again by state law Maryland is on of 11 states that requires both parties to consent to recording and again I clearly advised that I did not consent to recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Williams & Fudge, 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 XXXX Account # 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 furnish 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$2300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
I have a 30 day late from 2019 on an Auto loan that was 100 % paid in full. And I no longer have this vehicle. I contacted the financial institution regarding the reporting and since it's an accurate reporting they won't dismiss it or remove it. Now if I were a problem consumer I'd understand but I have spent the last 10 years trying to get my credit score up. And to not remove a single 30 day late payment after 3 years is a bit much for me to swallow. The banking institutions is JPMorgan Chase. I'm extremely disappointed and bummed out. The reason they gave was silly since it's been reporting for 3 years and they say because it was accurate they have no reason to change anything. And to make matters worse it was late by 7 days. Wow! Something has got to change. Will be working at changing my most recent auto loan I have with JPMorgan Chase simply because I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12
Company: EQUIFAX, INC.
State: DC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: IL
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:
Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Atlanticus Services Corporation
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:
They are reporting on my credit report daily because XXXX getting notifications of it. Being done by the same company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Progrexion Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Greetings! 
I signed up with Creditrepair.com which is also know as XXXX in XXXX of this year. They agreed to fix my credit for a certain amount amount each month which was drafted from my checking account each month until XX/XX/2022. I made a call to my bank to stop payments to the company. My credit has not improved I feel my credit had gotten worse since signing up with the company. I asked them several times to show me where my credit has improved I was told that things was going to start coming off my credit and the scores would improve. I assured them if I don't see a change I would cancel the service. I even sent them several emails asking them not to take anymore money from my account when I became unhappy that my credit did not change. I also have proof the funds was taken out of my account. I was able to attach the proof blew. I am filling a compliant because I would like a full refund from this company in hopes to repair my credit on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a charged off account on my credit report with XXXX XXXX. This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. Transunion is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and Transunion and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but Transunion and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX  but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
XXXX is reporting reporting a delinquent account from Bank of America which was beyond the XXXX  year statute of limitations. According to the information XXXX is reporting the last payment on the account was in XX/XX/XXXX. As of XX/XX/XXXX, XXXX refuses to remove the negative information which is over XXXX  years after the first delinquency. Bank of America continues to report the account as of XX/XX/XXXX, which based on their records is over XXXX  years after the first delinquency. Their refusal to comply with the law is having a significant negative impact on me. I believe they are discriminating against me due to my age, gender and/or race.

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