BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed my credit card acccount during the pandemic, and seized my baluable reward points I had accumulated on the card! 

XXXX XXXX credit cardholders have had their credit limits slashed or their credit cards closed in just the first XXXX months of 2021. This happened to XXXX out of XXXX credit cardholders, according to a report by online financial marketplace XXXX XXXX. 

It's due to banks reducing their risks during the Coronavirus pandemic, and it has hurt millions of consumers - like me - by lessening their XXXX scores by often XXXX or more points. 

To make matters even worse, in my specific case, my Citibank ThankYou Preferred card was closed abruptly by the bank. I received a curt letter in the mail advising me of the closure. What was NOT addressed in that letter were the XXXX ThankYou Points that were in my account. 

These are points that I earned, belonged to me, and could be used for airline trips, retail purchases, hotel stays, etc. They are valuable, and Citibank confiscated them with little notice and without providing me an option to spend them, redeem them, or transfer them. They just commandeered them. 

It was a pure greed XXXX by Citibank of my personal property that I earned and owned. And, I'm pretty sure they did this to hundreds of thousands of their customers. 

I believe the Federal government must intervene on behalf of the consumer public on these personal property XXXX. Please assist me and numerous others.

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 2022-10-23
Company: Fidelity National Information Services, Inc. (FNIS)
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:
This complaint is being made by me there is no third party involved. I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e., title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached, and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore, they are also in violation of the Graham Leach Billy Act 15 U.S. Codes section XXXX XXXX has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ;

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 2022-08-02
Company: EQUIFAX, 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 XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act convergent these Inquiries has violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Hi. I contacted Equifax, XXXX, and XXXX XXXX regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Resurgent Capital Services L.P.
State: FL
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:
AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX, consumer, wish for LVNV Funding LLC, Resurgent Capital Services L.PXXXX, Resurgent Receivables LLC to CEASE AND DESIST all communications through any mediums. THIS NOTICE SHALL NOT BE CONSTRUED FOR ANY REASON OR ANY PURPOSE AT ANY TIME BY ANY PERSON AND SHALL TAKE EFFECT IMMEDIATELY! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: ENCORE CAPITAL GROUP 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: Reporting company used your report improperly

Complaint:
I sent an Affidavit of Truth and an Invoice to Midland Credit Management, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX, XXXX tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal offer the best services. 
I decided to open a claim for report this situation. 
On XX/XX/XXXX my account was stolen. The hacker added the email ( XXXX ). 
At the same time it was added the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX was made a transfer for {$3200.00} USD. TRANSACTION ID XXXX. 

other transaction was made to the card end XXXX, XXXX for {$1000.00} USD. ID transaction XXXX. 

the address was asociate XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX that not my personal address. 


i made the report about was Unauthorized access and withdraw into my account becouse that card XXXX and bank XXXX are not belong to me. 

i talk to other agent and he track the ip and it doesnt match with my history. 
he said it was conected from another device too. 


i opened a dispute with the case XXXX but it was denied. 



my Email is XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: FISERV INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent checks written starting XX/XX/XXXX through XX/XX/XXXX. All were reported as identity theft to XXXXXXXX XXXX XXXX XXXX and this account was closed. All of the checks that were fraudulently written were paid by the bank as the account wasn't closed until XX/XX/XXXX. I was also reimbursed by this bank and a new account was opened. 

I received several debt collections letters from TRS Recovery services whose representatives tell me they work for TeleCheck Services. These letters arrived starting XX/XX/XXXX. I reported the debt (? ) as fraudulent and TRS has closed the case. 

I have not been able to receive - to my satisfaction- how these checks ended up as my bad debt as the vendors and I have all been paid. Even if XXXX XXXX XXXX ( the two vendors ) hadn't been paid, how was I sent to debt collections as I already told the bank these checks weren't mine? TRS states they can not tell me this information and has not resolved this issue to my satisfaction.

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 2022-09-30
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This issue was already outlined in complaint XXXX and Affirm has failed to resolve it or adequately respond. 

Affirm has issues in billing my bank account where it fails to remove the money despite more than sufficient funds ( documented via bank statements in complaint XXXX ). These occur at random intervals and, as outlined in Complaint XXXX, sometimes funds were removed and then Affirm claimed to never have received them. Follow ups to Affirm customer service yield only scripted responses where Affirm never acknowledges the issue or provides any path to resolution. When I request phone support Affirm offers it and then never follows up with a call as promised. Affirm provides no other methods to get in touch with support. I have spent many hours attempting to resolve this to no avil. 

Affirm has made it impossible to pay back this loan as they will not take payment from my bank account or work to resolve it. Affirm is now threatening to send the loan to collections, despite this error being solely on their end and their lack of any real attempt to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: OH
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 personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-08-02
Company: EQUIFAX, INC.
State: DC
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 following accounts : XXXX - Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX and Department of Education 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.

Thank you for your time and attention in dealing with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
Name : XXXX XXXX Address : XXXX, Ga XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX, XXXX XXXX XXXXXXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

Both accounts *Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX from my credit report and all remarks. 

Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove this account from my credit report. I have provided federal laws and as a federally protected consumer, I expect this be handled accordingly. 


Thank you for your cooperation. 

Sincerely, 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-10-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN
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:
Genesis Credit Management Columbia Debt Recovery XXXX XXXX I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. 

I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but XXXX XXXX refused to remove it. 

Genesis and Columbia are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, 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 XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation