BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have concern regarding an Investment company that manage my investments out of XXXXXXXX XXXX under the parent XXXX XXXX XXXX. I requested information on my account, regarding statements of ownership, account balance, and transaction activities on my account thats managed by XXXX XXXX. Upon the directions of certain managing members of TIAA, I am being prevented from any information pertaining my share ownership and managment activities of my account. I was directed to setup an account to identify my profile, or account registration under TIAA, so that I could setup a transfer of ownership of the assets held under the managment of TIAA. Upon checking the status of my Profile Registration of TIAA, I was directed to the XXXX Department where a Temporary Block has been placed on my profile by associate employee XXXX XXXX XXXX XXXX department, when trying to obtain certain information regarding my account and sensitive information I shared with the company, and now I have been blocked from communication with the company XXXX who is said to be in possession of information pertaining to my account in which I have funds held or managed by. I have concern that there XXXX maybe some illegal activities going on with my XXXX account and its management team at XXXX, that I am currently unaware of. Please feel free to contact me by email or phone -phone at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: National Credit Adjusters, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts shout not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer-reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer, Im demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: WA
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 check my credit report and my personal information is incorrect, I have misspelled names, address and phone numbers even my work history is incorrect. I have attached a letter with correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: DISCOVER BANK
State: TX
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:
I am signed up for alerts on activity under my SSN through my current Discover card. On XX/XX/2023 I received alerts for 3 different hard inquiries using my information. On XX/XX/2023 I received a text from XXXX XXXX notifying me that a credit card had been issued and would ship out soon. I was out of the XXXX from dates XX/XX/2023 - XX/XX/2023. Upon arrival home I saw letters from XXXX XXXX XXXX, Discover, and XXXX XXXX XXXX XXXX notifying me that the applications with them had been denied. I have contacted XXXX XXXX and started a fraud case with them to get this card shut down. I have contacted XXXX, XXXX, and XXXX to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within XXXX days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXX of XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXXXXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX XXXX -- -- HARD INQUIRY on my credit report XXXX XXXXXXXX XXXX -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXXDENIAL LETTER soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXXXXXX XXXX XXXXXXXX XXXX -- -DENIAL LETTER XXXX. XXXX XXXX  -- -DENIAL LETTER I tried disputing all these inquiries through XXXX XXXXXXXX XXXX Equifax and XXXX XXXX XXXX XXXX and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-08
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The full amount was taken from my deposit which is {$500.00} and is paid in full with all correspondence with the credit bureaus or CFPB. The information being reported is incorrect and the law protects me from this incorrect information being reported to my credit bureaus. My lawyer and I are closely monitoring all activity regarding the collection in my credit reports. I need this to be solved as soon as possible or else my lawyer and I will take action regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This predatory loan company email on XX/XX/22 repo my car on XX/XX/22 I got no phone calls. The company they had repo my car broke into my car stolen from my car. Cost over XXXX to get my car My second file with you same company. Did the loan at 98 % rate illegal did title loan in Ohio it's illegal in that state. Last time I file many papers were file which deleted the loan. More has been file after the illegal repo. This company illegal pull my credit report to find me. Lie said I apply for a new loan illegal. So many laws has been broken my this predatory company. Has sent me many emails to sign for a new loan. When I last file this company show you a different set of papers of the loan. Pass sick company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for any of these predatory business actions. No one should ever do business with loanmart

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: WI
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:
I obtained my credit report from Equifax and found inquiries on my report I did not authorize. These are fraudulent and not made by me, the consumer. I disputed these online through the equifax portal and was informed that they were " factual '' data and would remain on my report for 2 years. I called in and spoke to two agents who spoke poor English I could barely understand but after repeated requests to speak more slowly and as clearly as possible they informed me they could not help me to remove these inquiries. These two inquiries are listed here below : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I filed and sent an FTC Identity theft report. and have yet to hear back from Equifax. This is clear discrimination and I demand these fraudulent inquiries be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX  XXXX Balance : -, XXXX  XXXX XXXX Balance : {$300.00},, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$770.00}, XXXX XXXX XXXX Balance : -, XXXX  XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : -, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : XXXX Court : US BKPT CT GA XXXX, Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : US BKPT CT GA XXXX XXXX, Bankruptcy XXXX  XXXXdischargedFiled on XX/XX/XXXX Reference number : XXXX Court : US BKPT CT GA XXXX, XXXX XXXX NA Inquired on XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: PA
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2023-06-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


Please correct these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have new and updated information regarding previous disputes XXXX and XXXX. Experian has been and are continuing to be negligent with information on my consumer report and are not in compliance with the Fair Credit Reporting Act, see attached exhibits

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 2023-07-11
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collection on my credit report that I was not aware of and don't believe is mine as i have no outstanding debts with anyone including the company the collection company is attempting to collect the debt for, Charter Communications. 

I attempted to contact the Collection Company, Amsher Collections and asked them to validate the debt and asking them to prove the debt belongs to me. I asked to verify the personal information on the account, asked them to send me a contract, statements or documentation from Charter Communications with my name or address on it that shows what the charges are for. 

I sent letters to Amsher on XX/XX/2023 and got no response so, I sent another letter XX/XX/2023 and again got no response so, I sent a third letter on XX/XX/2023 asking them why they have not responded and for the third time got no response. 

I've also attempted to dispute the collection account with the three credit reporting agencies beginning on XX/XX/2023 and agin on XX/XX/2023 and currently with disputes that were sent XX/XX/2023. The problem is the credit reporting agencies will not respond to my disputes either! 

I read on the CFPB website that the collection company and the credit reporting agencies are supposed to respond within 30 days of a dispute but I have yet to get a response from any of them. 

After doing some research I read that the credit reporting agencies are no longer required to respond to consumers about disputes on their credit reports, is this true? How can these private companies not be held accountable for misinformation they are reporting? 

This misinformation is hurting my credit and my financial stability and the fact that they don't comply with Federal Laws that are supposed to protect consumers is frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CITIBANK allowed 9 transactions to occur through my CITI BANK account. When I contacted CITI BANK about this issues they did not issue me a provisional credit and denied my claim wihtout ANY investigation 48 hours later. They said it was because i only reported 2 of the 9 fraudulent transactions. I was waiting to report the other transactions bc I was combing through my bank statements trying to make sure I had everything in order. I submitted the first two transactions first because they were for large amounts and i was stressed and wanted to get the ball rolling. 

some of the transactions that i reported and were fraudulaent are 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 2023-06-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: NRA Group, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This appears to be an XXXX XXXX XXXX back on XX/XX/2018. I have repeatedly contacted the XXXX  accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the XXXX  it was paid, then told it is for the XXXX. Now I have no idea if this is legitimate or a scam. 

Today, my wife received a text message demanding payment, she has nothing to do with this issue.

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