BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  XXXX, 2022 I received a fraudulent iquiry on my credit report from XXXX XXXX and Experian. I believe someone tried to use my personal social security number to acquire a XXXX Credit card. I have called XXXX XXXX  and spoke to someone and requested a deletion or removal letter to be sent to Experian credit bureau. This was took place going on over 3 months now and I have yet to receive a deletion letter nor do I see it removed from my hard inquiry. I did not authorize this transaction and I would like this is be removed as soon as possible. Thank you so much!

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 2023-04-24
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: Information belongs to someone else

Complaint:
This is my follow-up to my previous complaint to delete these items in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, This is related to CFPB complaint XXXX. As of XXXX  Citibank has yet to credit the bonus and they are continuing to toss me around when I call in to get an update on the case. " No one is available '' and getting hung up on has happened three times today. 

Best, 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 monetary relief
Consumer complaint received 2023-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I purchased XXXX tickets with my XXXX Bank of America credit card. On XX/XX/XXXX. 2022, due to trains cancelation my tickets were refunded by XXXX back to my BOA credit card. On XX/XX/2022 XXXX transferred their BOA credit card to XXXX credit card. So my refund went to a closed account at BOA. To this day I have not received my refund. 
XXXX said that BOA accepted the refund and they can not give me a refund and that I have to contact BOA. I tried many times but BOA said that they never accepted the refund from the merchant ( XXXX XXXX Bank if America refuses to investigate my claim and since I am no longer their customer they hang up the phone. 
I have a claim with XXXX # XXXX and also a claim to XXXX, # XXXX. 
To this date XXXX  have not received a refund from BOA since they took over the BOA credit card and my refund of {$420.00} is in limbo somewhere.

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 2023-04-13
Company: EQUIFAX, 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 is 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDENCE RESOURCE MANAGE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had numerous problems with TD Bank. They constantly lie. This time, I have my flood insurance escrowed with my mortgage. So TD Bank is supposed to pay it. I received a letter from my insurance company stating my policy had expired for lack of payment. Of course I call my insurance company and they state nothing was paid. I call TD bank and they lie and say no we paid it. I asked for proof, a Check number, what date was it paid? They said oh we have a copy of your policy and we will send to you. Still not providing any proof pf payment. I call my insurance back and they firmly state the bank never paid. I call TD Bank again and they say oh it was paid with a bulk check. I again asked for proof and they refused to provide any. I wait a few days and call my insurance company, they said they talked with TD Bank and they informed them that they never paid. WHY CONSTANTLY LIE TO ME. MY POLICY WILL EXPIRE BECAUSE OF THEIR NEGLIGENCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: TX
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Genesis FS Card Services, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I can not get into my account since XXXX of 2022. 
called numerous times and talked to reps and supervisors, i contacted XXXX XXXX and they became involved with this account. know matter what we ask for. IT to call me or help me get into the account, ask for paper statements from XX/XX/2022 to present.by reg mail, replacement of card took almost 3 months to get because i had fraud on this card and one other account. I told them that I'm not paying for something i can't see what it is because of the fraud that was on my account. All they keep saying since XXXX is IT is working on it. One of the supervisors said a lot of our accounts the customers cant get into there accounts and she hasn't heard of any complaints.I closed my account in XXXX 2022 because of this problem. 

XXXX XXXX and myself has tried everything we could to help me get my account correct. I told Milestone I'm not paying until i see what I'm paying for,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: TX
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:
I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.

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 2023-11-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the year 2023 I have sent money via XXXX to friends XXXX times for a total of {$720.00} using my Chase Saphire credit card. I have been charged {$10.00} transaction fee each time for a total of {$320.00}. This equates to transaction charge of 44.4 % plus the additional APR charges that are part of my normal credit card. I contacted Chase and they said this is part of the terms and conditions. The most aggregious instance was when {$2.00} was transferred to a friend and I received a {$10.00} transaction fee which equates to a 485 % financing fee. 

Below are all of the charges : XX/XX/2023 - {$2.00} XX/XX/2023 - {$21.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$12.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$82.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$87.00} XX/XX/2023 - {$25.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$3.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$6.00} XX/XX/2023 - {$17.00} XX/XX/2023 - {$13.00} XX/XX/2023 - {$31.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$9.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$30.00} XX/XX/2023 - {$51.00} XX/XX/2023 - {$30.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: FL
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:
In XX/XX/2021, I received a charge off on an account that had fraudulent activity. I tried negotiating with the creditors to get it removed from my Experian and XXXX report by paying because only XXXX removed it due to the fraudulent activity. The creditors said that they will not remove it even when paying it off and with the fraudulent activity on the account ; They will keep reporting it as a charge off. I tried to tell this information to both XXXX and Experian yet they keep updating the information instead of removing the delinquency. The creditors are asking me to pay off the fraudulent account but they wont remove it from my 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 2022-11-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Had a credit card from a furniture company with Wells Fargo. Paid the card off in XXXX asked to make sure my automatic withdrawal was cancelled was told it would be. Money was taken out of my account in XXXX for the account that had been closed and paid per the agreement. I called them twice. The first call was XXXX XXXX and the guy was totally incompetent. Called again in XXXX and was told that I had to wait 45 days for my money which they took out of my account against my permission. That is fraudulent. I met my obligations and they didnt meet theirs. As of XXXX I still have not received my money which they should pay interest on.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 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 2023-03-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reached out to SYNCB/AMAZON numerous times agreeing to pay if the debt was validated.I sent out letters registered mail, which are attached for proof. I requested a copy of the contract binding SYNCB/AMAZON and XXXX XXXX XXXX Also statement showing they were the holder in due course. They haven't met any of my requests within the timeframe allotted. The debt was not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank 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 2023-04-18
Company: EQUIFAX, INC.
State: IN
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 have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus Equifax, XXXX and XXXX to no avail. I have even sent them a copy of my identity theft reports but they refuse to investigate. 

Even if there was no identity theft, the information is still inaccurate across the bureaus. 

XXXX XXXX XXXX High Balance : Date of Last Activity : Date Opened : Balance Owed : Closed Date : Last Payment : XXXX XXXX XXXX Date of Last Activity : Closed Date : Balance Owed :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-02-06
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, I have listed the item and account number below : ( XXXX XXXX, as account has been deleted from XXXX ) I am requesting that the following account be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual ( s ) who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendants. 
It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-11-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-02-19
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Lazega & Johanson did a hard inquiry on my credit without my consent or authorization and it has negatively affected my credit score and my credit profiles across the board resulting in denials for credit. Ive paid my HOA balance in full and Ive been advised to retain an attorney because of their practices.

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 2023-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose so XXXXXXXX XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXXXXXX XXXX  has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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