BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: CA
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 U.S.C 1681 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 also states a consumer reporting agency can not furnish a account without my instruction 15 U.S.C 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date XX/XX/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 explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
( 103 True identity theft ) Equifax Confirmation Number : XXXX Company Name : XXXX XXXX XXXX Account # XXXX Company Name : XXXX XXXX XXXX Account # : XXXX I am a member of the Equifax data breach and have filed my claims accordingly. I have been attempting to clear my credit report of these fraudulent items as far back as XX/XX/2017 and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Account information incorrect

Complaint:
There was a fraudulent account ( secured card ) opened with XXXX without my knowledge or authorization. XXXX has refused to investigate and when they said they have they refused to provide me with any information. I have never served in the military but yet the company cant explain how an account was opened in my name. They have no physical identification of mine just my social and name someone provided to commit fraud. I have recently noticed on my credit report the different data has be adjusted several times in the last few years. XXXX adjusts the delinquency and paid dates so the debt will report longer on my report. The whole account is fraudulent and XXXX couldnt provide me with any evidence that shows I opened that account.

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 2022-06-11
Company: Absolute Resolutions Corp.
State: NC
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:
I have written this company multiple certified letters demanding they provide me with proof to collect the debt they claim I owe them. They claim I owe them {$800.00}. I have never heard of this company, I never signed a contract with them, and I never agreed to do business with them. 

I have been a victim of fraud and identity theft and I believe that this debt was obtained by the company illegally. 

I have requested the following multiple times : The debt balance and original bill/documentation including an explanation of any interest charges and additional fees. 
The full account number that is associated with the debt that they claim I owe them. 
The date of default including the date of the last payment, The name and last known address of the debtor as it appeared in the charge-off creditors or debt buyers records prior to the sale of the debt. 
The names of all persons or entities that have purchased this debt. 

I have already submitted a complaint to the North Carolina Department of Justice. 
My next steps are to file and police report and take this company to small claims court and sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX / XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XX/XX/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 an account without 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 2020-04-21
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: Reporting company used your report improperly

Complaint:
CFPB is not providing any document bearing my signature, where XXXX XXXX proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint 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 2022-02-19
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After the reviewing of my Experian consumer report on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX is listed as XXXX  item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of XXXX which confirms that licensure is required to collect debt. XXXX XXXX XXXX does not have a license to conduct business in the state of 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 explanation
Consumer complaint received 2020-01-06
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX RE : Notice of stolen/unauthorized use of ATM/Debit Card Account ( CitiBank ) Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was stolen & was used for an unauthorized transaction on XX/XX/XXXX. I did not authorize any transactions on or after this date, and I did not authorize anyone else to take moneys out of my account or use my ATM/Debit card in any way. 

I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$2000.00} I am able to provide a copy of each of the following documents to this letter : 1. A copy of my Bank Statement which includes : o Copy of Fraudulent Check deposited and withdrawn o The police report about the theft of my identity and robbery that happened in XXXX XXXX. 
o Copy of Bank Statement reflecting fraudulent withdrawals 2. The FTC Notice to Furnishers of Information I went to the bank and I asked them to close the account and restore any funds which have been withdrawn from my account. I asked banker to also notify me in writing of the results of their investigation and asked them to send me written confirmation that all stolen funds have been restored and the account has been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a request to Equifax asking for method of verification on a verified accounts and only received that the accounts was reported correctly. I also challanged the XXXX XXXX compliance. They have not provided me with documentation showing how they verified these accounts. Equifax needs to remember THAT as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Equifax is taking away my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This issue began about 1 year ago from today where I was scammed on XXXX while purchasing gym equipment and flooring for my new gym. I opened a dispute with Citi bank following the scam. 

The dispute has been ongoing for the past year, opening and closing randomly forcing me to spend about 60-70 hours total on the phone/on hold with Citi. They constantly told me it'll be resolved soon and when I discussed the case with dispute department managers they said it should be a simple case and resolve within 7-14 days. That happened about a dozen times. 

Fast forward to XX/XX/22 - Citi decided to place the {$12000.00} balance on my credit report and state that I am past due on my card, tanking my credit score and causing the rest of my credit cards to reduce my limits significantly. Now the currently amount being disputed is about {$18000.00}, well over the current balance. It makes no sense that I am " past due '' or owe them anything at all. Especially since 1 out of the 4 transactions for this $ XXXX was already sent back as resolved in my favor! They're all from the same scam. It doesn't add up. 

Furthermore, the Fair Credit Reporting Act makes it unallowable for a credit card company to negatively impact your score during an ongoing dispute. 

I am getting married in May and was attempting to purchase a house. The mortgage company says I am now under the qualifiable credit score due to Citi 's illegal use of credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Re : Barclays Aadvantgae Aviator Credit Card Promotion : In early XXXX, 2016 I received a promotional offer via USPS mail ( Offer XXXX ) which required, registration via web or phone and the making of {$2500.00} of net charges each month for six months commencing XX/16. I have the original promotional mailing where I placed a " check '' next to the registration requirement indicating my registration. I subsequently made the required charges for each month commencing in XXXX and ending in XXXX. I was to have received, in addition to the normal perks, XXXX XXXX XXXX miles 6-8 weeks after the promotion ended in XXXX. When the XXXX bonus miles were not paid out, I called Barclays ( more than once ). In my most recent conversation ( XXXX ) I was given a totally different story. The story now was that I their system did not recognize my initial registration and that there would be no pay-out, despite their admission that the offer was, in fact extended and the fact that I met the spending requirements. Barclays has created no registration confirmation process, so I can not produce an email, a text, or a webpage confirm to refute their contention. As a side note, my wife also has the same card, received the same offer, registered as I did, made the required level of purchases and similarly did not receive the bonus miles either.

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 2019-11-22
Company: Midwest Recovery Systems
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A " company '' called Midwest Recovery Systems in XXXX XXXX, MO ( XXXX ) XXXX, suddenly posted a collection on my credit report on XX/XX/XXXX. They claim to be representing a company called XXXX  XXXX XXXX XXXX XXXX. This collection says I owe {$930.00} on an account that they claim had its first delinquency in XX/XX/XXXX. This account and claim are both totally fraudulent. This has caused my credit score to go down 47 points from XXXX. I never did any business with this company neither have I ever heard of having any debts with them. I immediately disputed this to the credit bureaus. XXXX  investigated and deleted it in two days. XXXX XXXX report just repeats the info of the false claim and suggest I report this to the CFPB. I am very suspicious of these Midwest Recovery Systems people. I have read many people experiencing this same scam and having their credit damaged in the process. I also tried to report them to the XXXX   only to find out that the XXXX  had revoked Midwest Recovery Systems ' membership as a result of too many complaints exactly like mine. You can still pull up Midwest Recovery Systems on the XXXX  website and see the XXXX  grade, revocation, and complaints on them. I have spoken with the company XXXX  XXXX XXXX  XXXX XXXX notifying them of the issue. They reassured me that I am not in any of their systems and that they are familiar with this kind of fraud. They also said they would be pushing the matter to corporate. The funny thing is XXXX  XXXX XXXX XXXX XXXX sends loan offers in the mail to me almost weekly. Why would a company be offering loans to someone who still owes them money from XXXX? How could Midwest Recovery Systems be trying to collect a debt for a company who says there was never a debt to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On Sunday XX/XX/XXXX at XXXX I sent {$400.00} via cash app to XXXX XXXX XXXX XXXX I then received a notification saying money was returned for my protection. When I looked in my account I did not see where the {$400.00} went back to my cash app so I looked a little bit into it and realize there was a hold on it and said it would be returned by Wednesday have emailed finding out why the money was returned or why there was a hold and have not heard back from cash app and now I get on and look to see about the hold and I can not find the hold anywhere and it is still yet to be deposited into my account I call the following number XXXX XXXX XXXX XXXX and it says they usually have anyone to answer calls but can contact them at cash app.support witch I have done and nobody has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was under the impression my mortgagor would draft my bank account twice per month (24 payment per year) rather than every two weeks (26 payments per year). In XX/XX/XXXX, they drafted my account on XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, and XX/XX/XXXX $XXXX. The last draft, just 8 days after the middle draft, put my bank account into an overdrawn position. I fear that Round Point will now draft two additional payments during the month of XX/XX/XXXX.I believe RoundPoint Mortgage has violated financial and consumer protection laws. I have notified them I am filing a complaint with the Consumer Financial Protection Bureau to this effect.

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 2022-01-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I received an email offer from Regions Consumer Bankcard offering two balance transfer options. ( XXXX of original email attached. ) Offer one ( Region 's promo code XXXX ) was 0 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Offer two ( Region 's promo code XXXX ) was 1.99 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Transfers needed to be completed by XX/XX/XXXX, so I made three transfers in XX/XX/XXXX XXXX for {$560.00} to promo code XXXX, a second transfer for {$1000.00} to promo code XXXX and a third transfer for {$1800.00} to promo code XXXX. I also made an additional Transfer in XX/XX/XXXX for {$3400.00} to promo code XXXX. 
My concern was with the transfers to the 0 % APR promo code XXXX that ran through my billing cycle that ends in XX/XX/XXXX. I called numerous times to clarify how I could pay the balance off on offer one before it ended in XX/XX/XXXX without paying any interest and was told it was not possible because of the way they applied payments to the balances. On a call-in early XX/XX/XXXX, I was told to wait until the Promo rate ended in XX/XX/XXXX and pay it off in XX/XX/XXXX because then it would be my higher rate balance and my payment over the minimum due would be applied to that balance & I could call & get the few days of interest forgiven. So, I made two payments, the minimum, and an amount more than the balance in question. I get my XX/XX/XXXX statement and XXXX charged interest at 20.99 % APR on the balance I thought I had paid in full in XXXX. So, I called today XX/XX/XXXX, and their claim now is that promo I accepted ended in XX/XX/XXXX not XX/XX/XXXX as stated in email I received, and my payments posted in XX/XX/XXXX before the rate changed so they were applied to the balance with the higher interest rate not the balance I intended to payoff. They never wanted to see a copy of the offer I received and called me a Lier by inference.

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 2018-12-01
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am unable to pay my mortgage on my home and I was able to obtain a short sale buyer that was willing to give the lender more than the appraised value. The offer was {$450000.00} and the appraisal was {$480000.00}, so the offer is within almost 93 percent of the appraised value. The bank is refusing to permit a short sale on this although I clearly qualify for one. I do not want a foreclosure sale or deed in lieu is this matter both of which have negative implications, while at least in the short sale it will indicate funds were paid to the bank towards the debt I owe. Furthermore, the tax implication is great because at least I know I am getting almost the entire value of the home in this short sale. If the bank takes the home or forecloses on this my accountant advise me the XXXX deficiency may be greater for the IRS and my tax liability would be greater.

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 2023-02-28
Company: LEXISNEXIS
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:
LexisNexis is in violation of the FCRA 623 ( a ) ( 1 ) ( A ). LexisNexis has an obligation to maintain accuracy of the information they furnish, the addresses in the attachment that I have provided in this complaint were never mine, however LexisNexis continues to keep them on my file that they maintain under my Social Security number. I demand the the addresses that I attached to this complaint be removed immediately.

Company response to consumer: Closed with explanation