BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: EQUIFAX, INC.
State: AL
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:
n 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 instructio
n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update the erroneous information. I think the XXXX Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}

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: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have new and updated information about Caine & Weiner. You have admitted to not having a contact between you ( Caine & Weiner ) and I, which means you 1. You ARE not the holder in due course and can not lawfully enforce your claim. 2. You have not provided me any documentation to show you are obligated to collect and I`m the obligated party to pay you. I have tried to resolve this issue and you have been negligently noncompliance with Federal law. I AM NOW PUTTING YOU ON NOTICE TO CEASE AND DESIST ALL COMMUNICATIONS WITH ME THROUGH ALL MEDIUMS INCLUDING MY CREDIT REPORT WHICH IS A FORM OF COMMUNICATION PER THE FDCPA 15 USC 1692C. YOU HAVE NOT ONLY INFRINGED UPON MY RIGHTS TO PRIVACY BUT ALSO USED MY INFORMATION WITHOUT MY PREMISSION WHICH IS AGGRAVATED IDENTITY THEFT 18 USC 1028A. I HAVE ACTED IN GOOD FAITH GIVING YOU CHANCE TO RECTIFY THE SITUATION, I EVEN AGREED TO PAY THE BALANCE IF YOU CAN PRODUCE DOCUMENTATION TO WAS OBLIGATED TO PAY YOU LIKE MENTIONED IN MY CONDITIONAL ACCEPTANCE AND YOU FAILED TO DO SO. I HAVE A RIGHT TO ANY INFORMATION REGARDING ME PER THE FREEDOM OF INFORMATION ACT.YOU HAVE AND CONTINUES TO TRY TO COERCE ME INTO A PAYMENT WHICH IS IN FACT VIOLATING MY RIGHTS. THIS TRADELINE HAS CAUSED ME INCLUDING BUT NOT LIMITED TO SEVERE STRESS, MENTAL ANGUISH AND HAVE BEEN NEGATIVELY EFFECTING MY LIVELIHOOD. I HAVE ADVISED YOU AND GIVING YOU 15 DAYS TO REMOVE THE INFORMATION OR MY NEXT STEP WILL BE TO PURSUE LITIGATION FOR THE STATUTORY VIOLATIONS AND ACTUAL DAMAGES AS YOU HAVE AND CONTINUE TO CAUSE ME TO SUFFER!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a automatic withdrawal come out of my account overnight and late. The same time a transfer was happening on my account. The bank purposely waited on this automatic withdrawal so my account could overdraw as a retaliation of moving funds to a different bank branch. I requested the return be refunded as it dont not fall under their 24 hour policy and the first associate I spoke to claimed I was correct and the funds would automatically appear. Until today, a call center manager named XXXX claimed the funds can not be returned because it is not bank policy. I should have ended my relationship with this bank years ago! I am over it and just want my funds back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt and XXXX XXXX has verified its not and never was. I have disputed this account several times and attached proof and it still has not been removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was alerted of a negative item being furnished on my consumer report by Transunion. I never received any correspondence from Transunion on any investigation before this item was furnished or I did not receive any correspondence of results of Transunions investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, Transunion has assumed this vital role which they have neglected to accurately do which is their grave responsibility. They have not followed the procedures that Congress has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. XXXX has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm. 

Please update this information to paid never late and respect my rights that Congress has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to be Deleted from my consumer report and updated to read never late pays on time. My rights have be violated and Transunion has broke the law being negligent in this matter.

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 2022-08-20
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System reporting debt to credit agency that doesn't belong to me I have asked for documents with my signature never received anything. Both account for XXXX and XXXX has the same account number different amounts. Have disputed this company with credit bureau the updated credit profile in 24hrs with not any proof or providing me with any new information. XXXX is one account XXXX is one account and XXXX is one account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Account number : XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My name is XXXX XXXX I closed my bank account last month in XXXX I think it was a fraud account I reported and today I got a bank statement in the mail for - {$18.00} money I owned an account Money -the account number is XXXX Joint with XXXX XXXX I want y'all to waive the - {$18.00} or give me an account credit for the amount, please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
loan is mine the late payments are inaccurate and this is a violation of XXXX us code XXXX XXXX removal of inaccurate/invalidated credit information please remove immediately as its reporting on all XXXX angencies inaccorate

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment was made on XX/XX/22 in the amount of {$11000.00}. Check was clearly stated in the numerical amount box and on the dollars line on the check. 

Barclay Master Card US posted payment of {$1200.00}. Which caused an outstanding balance, late fee, interest, etc. 

Contacted customer service on XX/XX/22 and again on XX/XX/22. They can not connect me to anyone in payments to discuss how to resolve. 

I have messages them on the web site and called and wasted numerous hours on this to try to figure out how to resolve their error. No one can help me. 

I need to talk to a grown up at Barclay who can speak the English language and intelligently discuss how to resolve this matter. 

Barclay reference number XXXX submitted on XX/XX/22.

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 monetary relief
Consumer complaint received 2022-08-20
Company: Amsher Collection Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amsher collection service, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX, placed a phone bill debt on my credit report. this phone bill debt is a result of someone using my name to get a phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

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: 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: MicroBilt / PRBC (formerly CL Verify)
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:
There are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

Microbilt - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2022-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On letter dated XX/XX/2022 by XXXX XXXX requesting post-judgement discovery on a debt collection from Portfolio Recovery Associates that I disputed with XXXX XXXX XXXX XXXX XXXX at Law No XXXX Presiding Judge XXXX XXXX based on belief that the debt has passed the statue of limitations and that the debt collector and/or their representative failed to provide proof of debt including chain of custody for documents, original proof application for credit, itemized records of all purchases to validate the amount, and any other supporting documents need to make a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a call from Frost Bank and they left a message for me to call them back. The lady I spoke to was XXXX XXXX and she was trying to confirm that I had opened an account with them this morning. She said they have been getting a lot of fraud accounts lately. I said I have not done that, I am at work. She explained that someone tried to open an account online and she said they even had my correct address and even my drivers license number. I didn't give her any information because I didn't know if you could possibly be a fraud person, but it did not seem that way because she was able to confirm all my information. The only thing the fraud person put incorrect was my phone number, so she searched it and that's how she was able to leave me a message, hoping that I would call back. She was able to stop everything and close the account. She suggested I make a report with the Federal Trade Commission for identity theft. I am glad I was able to stop everything, but now someone has all my information and I don't know how. I do not share this with anyone. Please be aware that someone is trying to steal my identity. This is the last thing I need. Thank you so much for your help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXXear old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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