BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *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 These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues

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 2020-12-29
Company: Nelnet, Inc.
State: AR
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:
After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Kriya Capital, LLC
State: OR
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:
On XX/XX/2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
State: MS
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 had a boy friend who was living with me on and off since XXXX he ended up not being who I thought we was he has been opening accounts in my name since XXXX I was in aware until XXXX of XXXX when everything started to unfold he stole my car and wallet and my info trying to to escape when I found out about all the frauds acts he has been committing in my name I also found out that he was living under a stolen identity his name who he told he was.. was not accurate he was paying on some one the loans and credit cards in my name as of they belonged to him the fraud accounts be opened were XXXX XXXX in the amount of XXXX he opened XXXX XXXX XXXX XXXX in the amount of XXXX and XXXX both of XXXX XXXX cards are closed and he opened XXXX XXXX in the amount of XXXX $ there are also numerous inquires in addition to launch serving account being fraud the payment history is way off on different credit accounts which furthermore proves fraud attached will be my police report and in accurate credit reportings Thug had caused a dimise in my credit on Experian XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was a victim of identity theft and the original owner of the debt refused to acknowledge the theft.

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 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
They closed my account and still have over XXXX in there and cant use it

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 2021-05-19
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have tried Communication with Discover Card, And The Credit Reporting Agencies Such As XXXX  XXXX Who Authorized The release of my credit report And profile without my permission. I have had A security freeze And credit monitoring on my accounts for 6 years. Someone stole my information from my old Address I have filled over 7 disputes against the company And the collection company And I have tried to report that to them to close Any Accounts that are not mine ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth 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 an alleged fraud or extortion. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Westcreek Financial
State: GA
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:
My daughter XXXX XXXX and I XXXX XXXX have fraud to report about a company furniture was sent to my address in my daughter 's name that we didn't want to be sent to us we tried reaching out to XXXX which is a lease company to come and pick up this furniture I also made a police report XXXX said they can't pick up the furniture because this is a fraud investigation my daughter never placed this order and XXXX said its in her name from a company called XXXX XXXX and XXXX XXXX said that this furniture order was placed by XXXX XXXX XXXX didn't give permission for the seller to use XXXX 's identity or myself. The items were sent to my address in XXXX ga my daughter XXXX lives in Minnesota and was never in possession of the items. XXXX says these were leased to XXXX XXXX we never gave the seller at winder mattress permission to use our identity. XXXX reported on my daughter XXXX 's credit report that a balance of XXXX is needed and is past due. I have filed a police report and we are disputing this on our credit and we want the furniture removed from the property. XXXX needs to know that my daughter never placed this order

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Chime Financial Inc
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have been having issues with Chime for a week. This started XX/XX/2023. I was expecting my last check at my previous job. Chime offered a Credit Card builder which I signed up for. I haven't put any money on it because I was waiting to start my new job where I make enough. The bank automatically sends your direct deposit to your Credit Builder. I usually transfer my funds to my Checking Account but since I was not able to get into the App itself I could not transfer. For a whole week almost everyday I have been trying to get a hold of people from Customer Service and nobody was able to help me or listen to me. They all kept telling me to Reset my password and even sent me links to my phone which I explained to every person I talked to that it's not working. A Error promos up saying that the Email and Password combination on our account do not match. However, I was still able purchase with my Debit card linked to my checking account. I tried to report fraudulent activity with my last call but each person I spoke to said my account was in good standing so they don't know why I can't access my account. I get the links sent directly to my Email and Phone so I know my account is matched and they were able to pull it up with my Social Security number to verify that my account was active. I thought I lost my Credit Card so I had them issue me a new one. I asked them several times to transfer the funds to my Credit Card to my Debit so I can at least use it but each person I talked to said they can't access that. For whatever reason, the App itself is not working and they're not giving me the money that's in my account or making it easier for me to access it. This has been going on for over a week now and I already threatened to initiate a lawsuit for neglecting my consents with the possibility of my account being hacked since nobody will give me direct answers or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mercedes Benz is reporting incorrect and/or fraudulent debt information on my credit reports. Mercedes Benz states I owe them {$210000.00} for a vehicle that was vandalized approximately 18 months ago. The vehicle was stored at XXXX XXXX in XXXX California and the vehicle was declared a total lost by the insurance company, Mercedes Benz handled the insurance claim. I do not owe any money to Mercedes Benz.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: U.S. BANCORP
State: IL
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:
On XX/XX/2020 my bill did not go through account with 1 missed payment. I am kindly requesting US BANK ( Date opened XX/XX/2020 ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2023-07-25
Company: CITIBANK, N.A.
State: CT
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:
I want to report them for their incredibly poor customer service and the number of months I've tried to resolve fraudulent charges. 
Fraudulent charges appeared on this card in early XXXX. I have never used the card so every purchase ever made was fraudulent. I disputed all charges which were credited back to my account over a few months. A new card was reissued in XX/XX/XXXX and new fraudulent charges appeared. They allowed a XXXX subscription to renew on the new card. 
Again, called to dispute the new charges and requested they close the account. I was told they could not close the account until the charges were settled. And, that it may take up to 60 days to investigate. 
In the meantime, late fees and interest charges occurred each month and they were threatening to report to a collection agency. 
I have spent hours and hours each month to get these resolved. As of today, they still reported disputes under investigation since XX/XX/XXXX. 
After 1+ hours today and speaking with three representatives who I could barely understand, I'm told they will have reversed all charges but I won't be able to see that for 3-5 days.

I have to assume their systems are live and that these reversals should be visible online immediately. 
Something needs to be done. This has to fall under some kind of law which protects XXXX  ( XXXX XXXX XXXX  ). I was very close to just paying the balance to make it go away. Instead, I spend hours each month getting passed around. I was told today that I couldn't speak with a manager because they couldn't help me. 
The last agent ( work ID XXXX ) assured me the account would be credited to a zero balance and it would be closed.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent information and accounts which do not belong to me STILL reposting on my file in Transunion. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have contacted the furnishers and they all agreed to DELETE the accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're not willing to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law and will not explain their policy. I need the accounts below to be deleted from my file : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, XXXX never acknowledge my complaint, therefore, I have approached you XXXX and I would like to receive your assistance on 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 explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: NY
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:
To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: MI
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:
Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had fraudulent activities on my account at chase, they transferred a few large amounts on of my account into another account and to different people from my login. I reached out as soon as I noticed the issue, and created a claim as well as a police report/identity theft report. They denied the claim and took almost XXXX out of my account, due to said person using my account to make the transfer. They didn't give me a reason for denying my claim until I called. I called to explain further and try to reopen or create a new claim and the representative refused

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  TX XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX XXXX and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
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 non-monetary relief