BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: IL
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2019-11-29
Company: Experian Information Solutions Inc.
State: IL
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2018-01-11
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep contacting me over a debt i do not owe quit contacting me or ill sue you!

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 2018-01-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company makes repeated phone calls to my cell, would n't give me enough information to identify the debt ( I owe no debts ), and repeatedly asked for personal information, including social security number to " verify '' my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: CHARLES SCHWAB CORPORATION, THE
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I open my account XX/XX/2022 to have it locked on XX/XX/2022 they Told me cause of a transaction with was fairytale I made a XXXX dollar transfer to my XXXX XXXX on XX/XX/2022 and another on XX/XX/2022 only because I didn't have a card for Card at the time so on the XX/XX/2022 I called and ask should my card be arriving soon only to find out they jus sent it off to me that day witch was the XXXX I had to help my daughter purchase a car and I also had other finances to tend to. So I transferred XXXX to my XXXX XXXX account still would had left me a balance of XXXX but the transaction was voided and XXXX mins last I was locked outta my account for suspicious transactions I was told 3-5 business days the first and second week I offered to go to a branch myself with all my verification I was denied that and told give their fraudulent team time witch turn out to be a full month of being locked out long story short I finally got verified by their fraudulent team specialist only to get kicked back out 30 minutes later and told to go to a branch I work 6 days a week 12 hour shifts and I'm XXXX XXXX hours away from a branch I FOUGHT FOR THIS COUNTRY 22 YEARS XXXX TWICE ONLY TO GET KICKED IN MY BEHIND BY MY OWN SOIL NEVER HAD SUCH AS A J-WALKING TICKET IN MY LIFE AND THIS IS WHAT A GOOD XXXX GOES THROUGH BS I WANT MY ACCOUNT CLOSE I SENT IN TWO NOTORIZED LETTERS AND STILL BEING TREATED LIKE XXXX XXXX XXXX BANK IS WHO IM REFERRING TO I NEED HELP ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2015-05-28
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
on XXXX/XXXX/2015, I contacted American Express and tried to resolve of issue. But I could n't american Express has pulled my credit report without my consent. This company has engaged in fraud and indentity theft. I did not give this company the right to pull my credit report. When I called the fraud department on XXXX/XXXX/2015, i was hanged up on phone, and it was almost like the rep, did n't want me to talk to the fraud department. What american express suppose to do is send me a fraud affavadit in the mail. but the company still refuses to so. American Express is asking for too much additional information, just to conver their end. They are also reporting accurate information on my credit report. This company is a scam. They wouldnt listen, so decided to file a compliant.

Company response to consumer: Closed
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: MI
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:
Experian continues to harassment me with validation request while Ive verified my identity and address on multiple occasions. Please know this is to be regarded as attached to my previous dispute submitted concerning this exact issue and reporting multiple reporting violations. Experian is furnishing fraudulent data and information attaching my information to items that arent mine allowing me to be more susceptible to identity theft. If Im requesting to remove information such as address and personal information that arent mine itsmy right to do so. This is my life, I do not give consent to Experian to furnish house or share derogatory false, fraudulent information meant to defame my character! Only validated, information that I consent to be furnished do I authorize to be displayed on my consumer report!

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My credit reports show inaccurate information. One says this installment loan was late 2-3 times, and others state it was paid as agreed. I want this account deleted off my credit report immediately.

15 U.S. Code 1681i I have contacted this company and asked for an investigation. Nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2016-10-03
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with Amsher Collection Agency. This collection agency removed this account off my credit report with XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that XXXX is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Sir/Ma'am, My wife and I have two credit card accounts with Macy 's Rewards/XXXX XXXX XXXX Today ( XXXX ) my wife was reviewing her credit history with XXXX  - - because we're applying for a mortgage, which the issue I'm about to describe to you only exacerbates - - and she observed that Macy's/XXXX XXXX had apparently arbitrarily decided to lower our credit limit from {$1500.00} to {$800.00} per account without prior notice. 
This normally would not even really be an issue, but here are the specific and serious consequences for us, the lowly consumer : 1. We each have really excellent credit history, but this decreased credit limit - - done without soliciting any feedback from us - - will hurt our credit rating, through no fault of our own.

2. We're currently trying to get a mortgage - - see # 1 above.

3. Without exception, we pay all our bills on time - - see # 1 above.

4. Neither Macy 's nor XXXX XXXX contacted us ahead of time ( text/email/telephone/USPS ) regarding this - - they simply did it.

5. We spent well over an hour on the phone today arguing with Macy's/XXXX XXXX telephone operators in the XXXX ( because apparently American big business interests have written off investing in this country and choose to invest in overseas telephone call centers instead ) trying to describe the adverse financial consequences we will now experience with a likely lowered credit rating ( and higher interest rates ) when we apply for a mortgage in the near future. And of course, nobody in XXXX really grasped how this was a problem, nor could they explain why it was done or what our recourse was, nor how we could communicate directly with executives in XXXX XXXX in order to plead our case. 
6. Lastly, and most disgusting of all is the fact that these despicable and arbitrary actions are taking place in the middle of the global plague that the XXXX XXXX Government has unleashed on the world. People are literally dying around the globe and entire industries are going under, and we're on the edge of a recession or ( possibly ) even a depression. People are under a lot of stress, and the thoughtless actions of this credit card company are not helpful. I find it hard to comprehend how they failed ( and continue to fail ) their customers, and their behavior especially at this time is hard to comprehend.

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 2022-04-09
Company: EQUIFAX, INC.
State: CA
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:
This is the 10th Time XXXX XXXX " willfully and fraudulently '' reported credit card balance on the closing date XX/XX/2022. 

The balance is {$9.00} - NOT {$74.00} as of XX/XX/2022. ( See attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: CCS Financial Services, Inc.
State: FL
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:
Company  : Credit Control Company I h ad insurance with   XXXX   and I did n't renew the policy but   XXXX   kept the policy going without a payment so now I am being harassed by the collection agency they have hired to collect the amount that I do not owe. My complaint is this compan y Credit Control Company has reported the same account on my credit report   XXXX   times in one month an d the account is showing up on both my  XXXX  credit report and my  XXXX  credit report which is impacting my credit very negatively. The company has not done anything to correct their error. Both credit companies send me alerts due to prior attempts of fraud in my name. This company is shady and they have no regard for the damage they are causing. The representatives are rude and will not let me speak with a higher official to resolve the issue they advised they will keep reporting it until it is paid. And to my knowledge it is illegal for the same account to be reported over and over again on my credit file. The amount is for {$190.00} they reported this account on  XX/XX/XXXX  , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  las t conversation with their company was today @ approximately  XXXX  in which the rep stated they need my full credit report to be faxed over and that I will not be doing because I 'm sure they can see each time they reported this account. The account is not new they keep reporting it like it 's a new collection account every time they submit the information to  XXXX  and  XXXX . This account goes back to  XX/XX/XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Merchants' Credit Guide Company
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

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 2016-02-12
Company: Harley Davidson Financial Services Inc
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Harley Davidson is calling the office for debt collection of an employee that has not been here for over 2 years. When I return there call and try to explain they inform me that they ca n't remove the office number because we do n't have an account number. I do n't know which ex-employee they are calling about so we ca n't get them to stop calling. No name, no information so the calls keep coming multiple times a day and it interferes with us doing our work and we are a XXXX that needs to work with the residents, not get tied up with a debt collection of someone who has not worked here for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I getting almost daily calls from this agency, threatened and tried to garnish my XXXX benefit, I am still XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a request in XX/XX/2020, to remove inquires that was not mines or I never inquired. These inquires are not mines. I sent a second letter the next month XXXX with no change. I recently sent another letter in XXXX deputing and still no change.I need for some one to adhere to claims since there is no help from them Transunion.

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 2016-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX portfolio services are fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This credit card was fraud under my name as I did not open this account After numerous attempts with portfolio, they have not provided me with proof such as my actual signature in opening this such credit card therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error : XXXX XXXX XXXX XX/XX/2022 {$29000.00} {$570.00} {$0.00} on XX/XX/2022. 15 USC 1666b ( 4 ) The creditors failure to reflect properly on a statement. If I owe a balance, it should be in the negative, but it isnt, its clearly showing a positive balance. This is a billing error. If there is a billing error, how can a payment be late? As the original creditor, I never authorized or granted permission for this to be reported. But since this is reporting, you need to report the way I state it should be reported. These late payments must be removed. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. I will leave you with this, under 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. I have not given the written consent to report these late payments on my report. Remove all late payments from my consumer report effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$320.00} XXXX XXXX XXXX : XXXX -- -> : {$330.00} GEORGIA XXXX XXXXXXXX : XXXX -- XXXX : {$3700.00} XXXX XXXX : XXXX -- > {$12000.00}

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