BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-04
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i applied for credit with XXXX/XXXX XXXX. I received a letter in the mail asking me to contact them to verify my idenity which i did. They ask me a serious of questions. I answered the questions correctly according to my life today. Receive a letter in the mail a few weeks later telling me that i was declined base on the fact that my identity could not be verified. Called the bank which issues the credi card, to ask the reason why and they told me that one of the questions was not asnwered correctly. Ask them what question, they did not know and referred me to XXXX to answer the question. Called XXXX and they said they did not give the bank the security question and it came from public records, They had no idea how i could update the pulic records that the question are coming from. XXXX suggested i call XXXX and XXXX and they gave the same simliar answer. 
I am being deined credit based on inaccurate information coming from security questions from some public records file which is inaccurate. 
Which no one is telling me how to update. Why should they evening be using this. The answers given to security questions are inaccurate and outdated, my credit is affected. I was told to update the information by XXXX XXXX and no one can tell me where this information is coming from and how to update, they dont even know. Is this legal for them to do this ... ... 
Could you please investigate. I should not be denied credit based on information coming from public records. Who keeps these records updated, where is the information coming from thats put in these public records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus by Goldman Sachs, wouldn't issue a charge back to ACH transactions that were initiated based on fraudulent marketing tactics by XXXX. 
Marcus denied my case as soon as I submitted the ACH dispute. They repeatedly told me many times that they don't need any documentation to investigate my claim! I had to put in the claim about 4 times, and called multiple times to ask them to actually investigate the dispute properly! I finally was able to get them not to deny the dispute before I send my documentation in. I sent Marcus a lot of documentation involving the deceptive techniques used by XXXX, along with all the complaints I submitted to multiple government agencies. Even then, it still didn't matter and the dispute was denied. I called in to ask for my legal right to receive a copy of the documents that they based their decision on. I received a call telling me that there is no documentation to share and that the decision was made internally and involved their legal counsel! I had to negotiate my legal right with them over the phone, and then received a denial letter again stating that the ACH was authorized, hence they won't help me! 
When I mentioned the Electronic Fund Transfer Act ( EFTA ) and Regulation E, Marcus reps told me that it does not apply to my situation. After reviewing your website under Q1 of the Error Resolution : Unauthorized EFTs, titled What is an unauthorized ETF, I find that my dispute should be covered by Comment 2 ( m ) -3 ; specifically, " This exclusion does not apply to transfers initiated by a person who obtained a consumers access device through fraud or robbery ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Capio Partners, LLC
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 a Fair credit reporting act [ CAPIO ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-15
Company: GreenSky, LLC
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a loan with XXXX Greensky XXXX Our bank shows that the amount is paid and I called to confirm that there is a XXXX balance on my account but Transition and Greensky says that the information is accurate with a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX is reporting two separate debts they're claiming that I owe. I have not used them as my insurance company and have been steadily insured by the same company through the period in which they're trying to claim a debt for. They've sold the debt to a collection agency which is harassing me by placing new collections on my credit report every other day. My score has dropped over XXXX points in the last 20 days!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeking to validate and verify this alleged debt. This alleged debt is reporting on my consumer report and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Please help me uncover what may be happening at American Express. I was just issued a replacement credit card ( previous card canceled ) with absolutely no notification, information or authorization. 
According to American Express, my personal information was " intercepted '' ( no  fraudulent charges made ) by a 3rd party so they issued me a new card. The problem is that they did this without telling me and are now refusing to tell me anything about what happened or who " intercepted '' my information. 
They are telling me that they can not disclose anything to me because it is an ongoing investigation. EVEN THOUGH IT IS MY INFORMATION THAT HAS BEEN COMPROMISED. 
It sounds like they are covering up something and I am hoping you can help me find out what is happening. Thank you for any assistance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been trying to submit my information to XXXX, XXXX  and Transunion and have not been able to get them to properly update my file according to federal law.

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 2018-12-19
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I noticed on my XXXX credit report that I had a notification about a hard credit inquiry had been pulled on my credit by CITI Bank. I immediately called and tried to get a hold of CITI to find out why. I do not have or have had an account with CITI, and I have not applied for credit in any form recently. CITI had no record of me as a customer, and they did not have an account in my name so they were not able to help me. I checked several times with CITI credit applications to make sure that there wasn't an application in process, and they also had to record of anyone requesting credit with my ID  or SS number. 

Learning this I initiated a credit freeze with the credit reporting agencies to prevent other accounts or inquiries being made without my requesting it. 

Details of the hard pull directly from my credit report : Inquirer Name : CBNA, Inquiry Date : XX/XX/2018 Business Type : Airlines Contact Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC for a number of federal violations. I have never given Jefferson Capital Systems , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from Jefferson Capital Systems , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I received an auto Insurance policy quote for two vehicles via internet. It sounded reasonable so I signed up and paid the installment fee. when I was ready to print out the proof of insurance cards there was only one vehicle on the policy. I was told if I wanted to add the other one it would be an additional amount. So I paid it. Then a month into the policy I received notice that I was not entitled to the original quoted policy due to a decision made by the Underwriters. I ask for the contact info of said underwriters and requested a copy of the reason behind their determining decision.
I received a 22 page report that contained nothing but my previous addresses and what type of mailboxes I 've had at those addresses.
Another section of the report explained how to read the report and the results of my traffic violation search. Results : No Records Found Another section Stated my current address as reported by a company called " XXXX XXXX XXXX '' Okay, that info was correct.
XXXX XXXX XXXX. reported that I had registered to vote under my maiden name.
Well, I was married at the age of XXXX and never used my maiden name after that.
They failed to give a year for this information.
Another section assessed the value of my home and stated that it had a high risk address description dated 5 years ago. I also lived at another high risk address in 2006. ( over 10 years ago ) Criminal Records : No records found Education Records : I 'm listed as a student. It does not say where. I 'm XXXX years old and not a student.
Lawsuits, Civil Filings Judgements and liens : No Records Found Oh yes, XXXX XXXX XXXX XXXX lists my e-mail address No phone records No Professional Licenses No personal purchase Activity Records No Short Term Credit Offer Request Records It goes on and on with XXXX XXXX Inquiry Records, Consumer Reported Statement, Consumer Reported Alerts, and Consumer Reported Disputes ... .all : No Records Found I paying higher than normal rates for Auto Insurance based on all this nonsense and I do n't know how to fix it.
I am on XXXX, I drive less than 10,000 miles a year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: IL
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:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report. 

XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquiries and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. 
I have enclosed a copy of my Drivers License showing proof of my current address as proof of identity. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: MARINER FINANCE, LLC
State: MO
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:
XXXX ( CRA ) have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account MARINERFIN. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
DIVERSIFED CONSULTANTS A COLLECTION COMPANY THAT CONTACTING ME ABOUT A DEBT THATS NOT MINE FUTHER MORE THEY HAVE NOT VERFIFED THIS DEBT AS MINE IS THIS LEGAL? THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX is charging me {$190.00} because I saw a XXXX  outside the hospital. I was never notified before hand that there was going to be this charge. I knew the charge to be {$200.00} for an office visit but I was never told that there would be a charge of {$190.00} because I was seeing the XXXX off campus. I have sent them numerous coorespondence that I refuse to pay this and I have now been contacted by a collection agency American Adjustment Bureau. Please see attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Citi AAdvantage MileUp card and was approved. I tried to use my card and the transaction was declined. I called and I was told they couldn't verify me on the phone and had to send me a letter at my home. I wait for the letter and received it on XX/XX/2022. I called the number, provide the code on the letter and I was told the account is good to go. I try to make another purchase today on XX/XX/2022 and the account is blocked again. I called in and I was asked for the previous letter. I explained I called on XX/XX/2022 and my account was unlocked. I spoke with XXXX in Executive Response Unit and I was told she could not help. I was hung up on and I had to call again. I asked for my account to be closed because this is ridiculous and I was told she couldn't do that either. So now I'm trying to speak with somebody to get this block lifted. I've had this card for a month and I haven't been able to use it. Citi has me stuck in a cycle of purchase something, card declined, call in, told I have to wait for a letter, call when I receive the letter, account unblocked, try to charge something, same process. So in essence Citi did a hard pull on my credit, gave me a credit card, and is not allowing me to use it. I'm contacting the XXXX  Attorney and my congresswoman because this is ridiculous.

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 2018-06-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX case number FOCUS PAY ATTENTION They keep saying I GAVE WRONG INFORMATION. THAT INFORMATION THEY HAVE DOES NOT MATCH. I DO NOT LIE I DO NOT GIVE OUT FALSE INFORMATION. THEY MUST SUPPLY ME FIRST WITH WHAT EVER INFORMATION THEY CLAIM IS WRONG. I WILL NOT GIVE ANY MORE OF MY INFORMATION UNTIL I SEE WHAT THEY SAY IS WRONG INFORMATION. THEY NOW HAVE SENT i BELIEVE THE 4TH REQUEST OF MY PERSONAL INFORMATION BUT HAVE NOT SHOWN ME WHAT THEY SAY DOES NOT MATCH. 


PROVE IT WHAT IS WRONG INFORMATION!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

INSPIRE BELIEVE DREAM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Accounts XXXX XXXX L Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account number 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. The listed above accounts have violated my rights and tarnished my credit history, these fraudulent accounts have been added to my credit report. I tried reaching out to the fraudulent accounts and as a result nothing has been done but they keep reporting negatively.

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 2017-09-04
Company: Experian Information Solutions Inc.
State: ND
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 want XXXX XXXX, XXXX and Experian to update my credit report with the following personal information : Employer : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX XXXX Annual Salary : {>= $1,000,000} ( $ XXXX ), Annual/Total Household Income : {>= $1,000,000} ( $ 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