BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, one of the credit bureaus made an error by adding a hardship inquiry ( XXXX XXXX ) was added on to my file, which made my credit score decrease by XXXX points!! 

The inquiry was removed on XX/XX/2022 without restoring my credit score by adding XXXX points back to Mt score so it is XXXX once again. 

XXXX is what my fico was before Experian added by mistake, a hard inquiry and failed to restore XXXX points back to my credit score. 

Experian made this mistake, so I expect Experian to do the right thing and restore my credit score from XXXX currently, back to my original credit score of XXXX. 

Please see attachments as proof their mistake.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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. 

The accounts include the following : XXXX is XXXX XXXX is XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXX XXXX  which is for 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 2022-06-06
Company: Phoenix Financial Services LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial Services LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: LA
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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Payments for my leased XXXX were mailed, received and debited for 9 months at XXXX XXXX XXXX. I was notified to start making payments out to Chase Auto Finance in XXXX of 2021. In XXXX of 2021 Chase received my payment stamped the check for deposit and then cancelled the endorsement and returned the check. I subsequently made an payment over the phone direct from my checking account. I have since received letters from Chase apologizing for the error and removing the late fees. When I found out recently that there are two 30 day late payments on my credit report they did an internal review and decided that Chase did nothing wrong. I have a copy of the check they received, endorsed for deposit and then cancelled. I have spent numerous hours on the phone with these people without any acceptable answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 004 A Section 2 : It also states a consumer reporting agancy can not furnish a account without my writion instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer roporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years XXXXXXXX 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 explanation
Consumer complaint received 2023-02-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD bank sent my bank mail to my father I'm New Jersey. I have not lived there in 2 years. He obtained access to my account t and made an email for access to my account and statements. I had to go to the bank to change my address back, change my email, and file disputes. The bank eventually a fraud report and closed the account. This took several trips and calls to to the bank before any action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: CITIBANK, N.A.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
To whom it may concern, I first sent my complaint about my Citibank loan that I had paid off to The Federal Deposit Insurance Corporation ( FDIC ). They reviewed my correspondence and noted that the bank I referenced is under the direct supervision of Consumer Financial Protection Bureau. They forwarded my copy to you. Below is what I had sent them, also. 

On XX/XX/2022, I received a personal installment loan of {$10000.00} from Citibank. On XX/XX/2022, I made my final payment of {$4000.00} on my Citibank app to pay off my personal installment loan. The loan then disappeared off my citi app because I was told by the representative that it disappears when the account is XXXX balance and paid off. I cant even access my account any more online. 

Then, I received a letter in the mail saying that my account is past due and thats when I called citibank to find out what was going on because I knew I had paid it off immediately in XXXX. Citibank said they did a payoff reversal on my amount but they dont know why and send it back to my XXXX XXXXXXXX XXXX XXXX a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX as I was told. 

Citibank told me to check with my credit union to see if they have a hold on my payment someplace. Upon calling my credit union they had told me that they do not and it doesnt show any credit reflected on my account of that payment being sent back to me so Citibank doesnt know where that money went and my credit union said theres evidence showing the transaction of {$4000.00} being withdrawn from my account to Citibank on my loan, so it was processed on that day of XX/XX/2022. 

When I called Citibank numerous times, I spoke to different customer service representatives and they were sending me to collections saying that I was behind on my monthly payment when I explained to them what had happened that I made that payment of {$4000.00} to pay off my personal installment loan and that my balance should be {$0.00}. 

I told Citibank that I have the transaction details from my credit union showing that that payment was sent to them and they responded by saying contact my credit union to see if they have the money someplace there and I did and they said no we do not and we have proof that you made that payment to Citibank. 

So Citibank continues to tell me that they did not receive the payment and they are demanding that I sent {$4000.00} when I already sent that payment to pay off my loan on XX/XX/2022. 

They have recordings of our conversations and I was very upset, because I told them that my credit score is very good and that Im not late on my payments due to being very responsible. 

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 2022-06-06
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an account with XXXX  for a phone bill. I entered into a payment agreement with them and paid by automatic payment. In XX/XX/2022 they contacted me and told me if I paid then {$120.00} in XXXX and XXXX that the debt would be resolved. I paid them the money thinking that in XXXX the account would be paid off. In XXXX I got a phone call from Source Receivables Mgt. saying that I owed over {$300.00} for this same bill, that XXXX refused to settle and I needed to pay them. I have never received any written communication from Source Receivables Mgt, But on XX/XX/2022 I paid them {$50.00} and asked for something in writing. The lady told me all she could give me was a confirmation number, so I took that. So last week I went to send them another {$50.00} and that's when I found that they reported the account to the credit bureau, even though I was paying on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I attempted to send a XXXX transfer to my realtor. She's assisting me in the sale of our home. My realtor helped arrange to have the exterior of my house painted for {$4000.00}. I am currently living out of state and I ran out of checks with Citibank and so my realtor agreed to write a check to pay for the service rendered by XXXX XXXX XXXX. I told her I would pay her back through XXXX. On XX/XX/XXXX, I attempted to pay her back through XXXX in the amount of {$2500.00} as that was the maximum out allowed by XXXX. I was going to pay the remaining {$1500.00} through XXXX the following day. Normally, XXXX payments are completed within an hour but the {$2500.00} payment has been frozen for 7 days. I have called Citibank multiple times about this transaction and one of the representatives said it should have been resolve no later than Monday XX/XX/XXXX. I called again Monday, Tuesday, and Wednesday and was informed that the XXXX payment was still frozen. Several representatives there stated it is because my transaction was being flagged for an OFAC related investigation. I asked if there's anything I can do to clear my name or that transaction or at least get an official letter from Citibank explaining what is going. They stated that there is nothing I can do nor are they able to provide a letter stating what is going on. I am a US citizen with a clean financial and legal record and my realtor is also a US citizen with a clean financial and legal record. I do not understand why it is taking Citibank so long to review this transaction and inconvenience both my realtor and I of completing a legitimate transfer of funds. I am happy to provide additional evidence to support my case.

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 2023-02-21
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My ex wife opened a fraudulent credit card in my name and funded it with her checking account. I have already tried to resolve this issue with Discover Bank to which I have been unsuccessful. My next step is to contact an attorney to sue Discover Bank for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Americor Funding, LLC
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
LOSS OF BUSINESS ACCOUNT TRANSPARENCY Access to Americor web portal is denied during an ongoing debt resolution ; i.e. the process is incomplete and I have absolutely no visibility.

a ) Upon informing Americor I decided to go a different route ( i.e. I am gathering documentation for XXXX  XXXX Bankruptcy ), Americor set access to the web portal denied. 

b ) For the IT informed, error code 1020. I documented with a screen shot.

c ) I am aware the dedicated account is not static. That is, Americor already informed me how they will continue to withdraw funds I have contributed. While this may be legally permissible, my assertion is a " LOSS OF BUSINESS ACCOUNT TRANSPARENCY ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have asked this credit card company back in XX/XX/XXXX to investigate and to remove inaccurate information from my consumer reports. Account number ending in XXXX with a credit limit of {$500.00} bucks that shows up on my consumer reports. I sent them a second notice in XX/XX/XXXX to remove this Inaccurate fraud account that does not make any sence, but no answer from them..

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 2022-12-30
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$170.00} 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 2022-06-22
Company: Credit Bureau Services Association
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CRDT BUREAU is reporting a coolection on my credit report that is in violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Account # XXXX Date opened : XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the XXXX XXXX XXXX that said was opened on or around XX/XX/2016 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company 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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the XXXX XXXX XXXX that said was opened on or around XX/XX/2016 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company 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