BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX 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 and account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
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: Was not notified of investigation status or results

Complaint:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 

XXXX XXXX XXXX $ XXXX XXXXOpen date Reference # XXXX XXXX XXXX Bankruptcy I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I. Because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I submitted an application for the Capital One Saks Fifth Avenue Mastercard at the Saks Fifth Avenue store in XXXX XXXX XXXX. At the time, the employee failed to informe me that if I had an existing store card my application was going to be automatically declined. A few day later I received a letter from Capital One declining the application due to having too many Capital One Saks Fifth Avenue accounts. After the letter, I called Capital One and I was told that because I had already a XXXX account my application was declined and the only way to have the application re-reviewed was to close the existing account which I agree to close the account and have the application review again. I just received another declined letter stating the same thing the first letter stated which is the application was declined due to having too many Capital One Saks Fifth Avenue accounts. Today, XX/XX/2022, I called Capital One and I was informed that even though I closed my original XXXX account the application was automatically turned down because their system does not recognize that the existing account had been closed which I was never informed on my first call. I believe this a deceiving practice and now my credit card was pulled. If this information had been giving to me before submitting the application on XX/XX/2022, I would have been able to make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was shopping around for a refi and was going to use Amerisave. They quoted me a rate I agreed and paid them a XXXX dollar application fee. They closed and denied the application a few weeks later because I hadn't turned in any paperwork. They did nothing besides quote me a rate and take a application fee before closing the file because I was to slow for them. No appraisal was given or scheduled. They collected no documents and I feel like they took my XXXX dollars and ran. I am not sure if I can make a complaint or not but I thought it would be worth a try since they wont answer my calls or emails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXXXXXX XXXX # XXXX and account 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 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 2022-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested from experian to remove address XX/XX/2022. Experian refuse to remove address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl.XXXX  This address does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-25
Company: EQUIFAX, INC.
State: SC
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 did not authorize or make these changes on my profile regarding these fraudulent inquiries. Please see attached FTC report and I will be looking forward to the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was discriminated against by the customer service because I didn't understand English very well and said my cousin was my uncle. She closed my bank account and I haven't received any money from my bank. I tried to call her several times but she fooled me and didn't really help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I got a text from robinhood saying my account was restricted and under review and I didnt violate any of it rules and regulations then later I got another email saying my account was XXXX and it been almost a month and I havent gotten a refund from robinhood yet all attempt to reach robinhood hasnt been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company that is on my credit report is called national credit systems. I have no knowledge of this account. I have no knowledge made of the collection of this account. I am not responsible for this account or e.g. belongs to express a business account. This is not my account it may belong to a relative or some person or persons with similar names. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from both Convergent Outsourcing , Inc and XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. I was surprised to receive this because I've never set up an account with T-Mobile and had never received any kind of billing notices from them prior to receiving the debt collection notices. On XX/XX/22 I called Convergent Outsourcing and notified them that I was disputing the debt. The letter they sent me states that if I dispute the debt they must stop collection until they send me the information that shows I owe the debt. As of XX/XX/22 I have not received any correspondence regarding my dispute, but I have received an additional collection notice that was issued on XX/XX/22. 

When I initially called Convergent on XX/XX/22 they also advised me to call XXXX directly to dispute the claim. I did this on the same day. I spoke with XXXX different representatives and they were unable to give me any information regarding the account and wouldn't allow me to dispute anything because I couldn't give them the pin number associated with the account. As I never set up an account I have no way of knowing what this pin number could be and they did not offer me any assistance with this. I also requested that they reach out to the debt collector directly about this as they wouldn't give me any information. They refused to take the debt collection account number when I offered it. 

I would like confirmation that they will cease all debt collection efforts and that this will not affect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Augusta Collection Agency, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XX/XX/2022, AUGUSTA COLLECTION AGC flagged my account as Collections for a {$56.00} balance. I have never heard of this company, they have never spoken to me in person about the debt, they have never spoken to me by telephone about the debt, they have never mailed me a letter about the debt and I have never received an electronic communication regarding the debt. 

I live in XXXX XXXX, New York. To date, the company has not provided any proof that their notices have been received or confirmed that they have been sent to the proper address in New York. They also have not verified the correct phone number that they are contacting. 

I am in the United States XXXX and do not appreciate the negative reporting done by the agency without verifying whether the debt is valid and being sent to the correct address. 

Unless XXXX has mailed documents to New York, I have not received any notices and they have failed to provide any proof that the notices have been sent to New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/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 2022-07-28
Company: Experian Information Solutions Inc.
State: NJ
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 am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-04-25
Company: FirstCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this with the other credit bureaus and they have both agreed this was not my debt and have removed it from my credit report. XXXX removed it in XXXX and then added it back on. Per the FCRA this is not my debt and is causing issues with my life. I am attaching proof that this is not showing up on my other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NC
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection items that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this items. 
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  {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive sent letters off and receipt confirmation on XX/XX/2022 From Transunion. Here is my XXXX XXXX XXXX article # XXXX and received confirmation, confirming that Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone 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 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My niece was XXXX  in a car accident on XXXX, XX/XX/XXXX. I received her personal possessions from the coroner this week, including her credit cards and realized no one had canceled her credit cards. I called American Express today with her card info to let them know of her death so that her card could not be used. I was transferred to the Deceased Person unit and provided the account number, her name and the last 4 digits of her SSN. My niece was XXXX. We did not live together. Our cards are not linked. Our finances have never been linked. I did not provide any PII other than my name. I did not tell them I had an American Express card. 

XXXX hours later, I received a text message that my card was suspended in XXXX XXXX. I rarely use this card so I thought it was odd. I went into my online account and there was a notification that my card was suspended and to call Customer Service. 

I called American Express Customer Service asking why my card was suspended. I was on hold for a very long time. While I was on hold, I received a text message that my American Express card had been restored to XXXX XXXX. The Customer Service came back and explained to me that indeed, my card had been suspended but that it had been restored as this was an error. When I asked what happened, they could not explain much. Essentially, the Deceased Person unit had accessed my card information, without permission and without my knowledge, and canceled my credit card. How is this possible? I have asked American Express to investigate this incredible breach of privacy as well as a grievous error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Discover set up payment arrangements for my accounts in the amount of {$31.00} per month due to my financial hardships and then they charged off my accounts and has repeatedly harassed me by calling me every day for weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 did not authorize or make these changes on my profile regarding these fraudulent inquiries. Please see attached FTC report and I will be looking forward to the updated 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 2023-09-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I asked Citibank to close my accounts and return me my money and they refuse to do so. They say my accounts were compromised and I dont believe they were. The dates are XXXX to XXXX, 2023. The amounts are : {$280.00}, {$980.00} and {$1000.00}. I have given Citibank employees security words and SS #. They dont allow me to access any mobile app and do not answer my mail requests.

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