BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I'm making sure my personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information, ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleted from my file. I have things that are reporting on my credit file that were previously deleted by other CRAs but still being reported by EQUIFAX. Attached below will be proof that the things being reported on my profile have been DELETED BY OTHER CRAs but still being reported by EQUIFAX. on XX/XX/2022 i received an updated copy of my credit report showing XXXX were unable to fully verify accounts on my report. It was deleted immediately afterwards. Same with XXXX. But unfortunately, Equifax is still showing these accounts on my report. I NEED EQUIFAX TO UPDATE MY CREDIT REPORT WITH THOSE ITEMS REMOVED THAT WERE REMOVED FROM OTHER CREDIT REPORTING AGENCIES 15 U.S.C. 1681i 15 U.S.C. 1681i 15 U.S.C. 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
This bank is horrible after approving me for my gas card I just received it yesterday the Exxon Mobil card I cant use it or they wont let me increase my credit limit its not fair transfer me to so many different departments and after Im verified by their fraud team they tranfer me to customer service and they still refuse to let me increase my limit and put a hold against me using my card how is this fair after verifying me and telling me to keep my account safe they even told me if I wanted to place a password and I said yes and customer service refuses to help me or to see this such a frustrating experience

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 2021-02-11
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Company : American Express Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Problem : Account Status closed in credit account with XXXX. 
Detail : 2 of the account with American Express is listed as " CLOSED ''. These were business account strictly. I am proving my SSN for American Express to pull my record to make necessary correction with my credit account. 
Our XXXX has gone through a fraudulent experience in Hawaii in 2017. All our investment, our records, documents were fraudulently possessed by group of people. 
This is when we were advised to close all credit accounts immediately. 

We have taken necessary legal actions against these activities. The legal actions are in the process. This had brought us financial hardship. 

We are trying to be clean up the mess and inaccurate information that is hurting the credit and unable for me to obtained necessary loan. 

Please remove the CLOSED status from credit account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal dispute regarding incorrect information on my credit report, which I first brought to the attention of Equifax on XXXX. To date, I have not received any response from Equifax regarding this matter. The following are the details of the inaccurate information and the necessary corrections : Account Information : Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I would like to bring an urgent Banking matter to your attention. 

I was defrauded out of approximately {$30000.00} during a Bank transaction involving XXXX XXXX XXXXXXXX XXXX and Bank of America. 

The transaction was my closing on my home. The parties involved were XXXX XXXX, Bank of America, XXXX XXXX XXXX and XXXX Financing. The wire transfer was done directly at a XXXX XXXX XXXX XXXX  branch office.

All parties involved in this fraudulent transaction have taken absolutely no responsibility and are not returning calls. XXXX XXXX  refused to continue to investigate and demand the return of funds from Bank of America. They dropped the case without providing a reasonable resolution. 

The detective at XXXX XXXX has left multiple messages to the Bank of America representative, XXXX XXXX, at XXXX x XXXX FDIC Case # : XXXX. He has not responded or returned calls. 

I filed a case with XXXX XXXX XXXX, case number : XXXX filed on XX/XX/2022 I filed a police report at XXXX XXXX Police station. ( case # XXXX ) on XX/XX/2022. 

I filed an FBI-IC3 case online on XX/XX/2022. 

XXXX XXXX from Bank of America has responded to my FDIC Case # : XXXX by mail with fraudulent Bank of America contact information . The number given on the letter is XXXX ext XXXX and this number is not reachable. 

I would like to be given the opportunity to speak with you directly regarding this situation at your earliest convenience. 

I may be reached at XXXX. 

Thank you very much for your consideration in this matter. 

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 2021-03-21
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 is missing that should be on the report

Complaint:
The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect 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 explanation
Consumer complaint received 2023-02-05
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received two push notifications alerting that two {$86.00} dollar withdrawals had taken place followed by a text asking me to confirm if I was attempting to make another withdrawal for XXXX. I responded No and immediately contacted chime to let them know I still had my debit card in my possession and I did not make or authorize the two transactions that had just gone through. Two days later they tell me no errors occurred and I will not be getting my money back. The final amount settled for {$160.00} plus {$5.00} in atm fees. There is no consumer protection against theft and fraud with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX I submitted my PSLF forms. One employer was a charter school that is no longer in business. I do not have W2 forms so I submitted IRS transcript from IRS.gov website to cover information missing. The form provides Employer Tax Identification number and my salary. I'm told by Mohela that's not acceptable but need a W2 instead. W2 gives the same information as the IRS transcript and neither give dates of employment so why is a W2 more acceptable than the tax transcript? Furthermore, SSA charges {$150.00} per year ( 4 years for me ) to provide a W2. I provided 3 years of IRS transcript but was 3 months too late for XXXX so I must pay for a W2 for that year. {$450.00} for the same in information seems ridiculous since they already have the same information but in another form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a unsolicited credit card from BBVA in the mail for an account I closed about 5-10 years ago. I called them up told them that I did not apply for this credit card. They said the plastic was a replacement card for a closed account and that it was due to an error in their system. The representative then proceeded to ask personal information like my phone number, home address, email address and drivers license number.

If the representative had stated that it was an error in the system and apologized and then ended the call with that, I wouldn't be so suspicious. But by asking me for personal marketable information indicates to me that this whole thing was an illegal marketing ploy to get updated marketing information from me. Why else would he ask for information to update a closed account? He ended the call telling me that BBVA is there to help if I wanted to open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Was not notified of investigation status or results

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2023-08-15
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX I was told credit acceptance approved me then after getting the vehicle told a week later they denied me after they told me I was approved. The vehicle had already been registered and listed them as the lien holder. Now Ive secured fininacing with another company but credit acceptance refuse to release the lien on the vehicle so the new company can go on the lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I checked my account, as I do every day. I saw that the account was overdrawn so I attempted to deposit a check via the mobile app, but it would not allow me to get online. I tried the app on my phone, my husbands phone and, worrying that it was a problem with XXXX  phones, had my daughter load it onto her XXXX. I could not access the app from anywhere. I immediately contacted the bank because I did not want to get a late fee simply because their app wasn't working. However, I was charged a bounce fee anyway. I asked that the fee be reversed and they refused. I use the app because it is often difficult to get into the branch. They provide the app as a convenience that I took advantage of. The fact that THEIR APP was not functioning correctly is the SOLE REASON the funds were not in the 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 monetary relief
Consumer complaint received 2021-03-21
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 is missing that should be on the report

Complaint:
The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 2023-07-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
WELLS FARGO BANK is involved in security fraud. Ive submitted a multiple security exchange or negotiable instrument in order to discharge the account, the bank deposit the security in to the treasury department and create a fake account under my name without my knowledge and listed the bank as the beneficiary of the account.theyve keeping the funds and refusing to credit my account. They waited until I went I vacation sent a third party to steal my private property and forced me to send them more money on top of the funds that were in the bank bookkeeping. 
This scam has been going on for quite sometime, it is thief and crime against humanity and violation against the law. It is time for Wells Fargo bank to shut down.

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 2022-09-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX, 2023 at XXXX PST I called citi bank credit card to see if they would increase my credit limit back to the original credit limit that was extend it to me, and I agreed upon when the card was issued. The first representative that I spoke to advised to me that she would put the request through, but I could not know anything, and the request wouldnt go through until I received a letter in the mail, telling me that they lowered my credit. But I advised her that I had already received this through an email and also electronically because I elected to have electronic notifications. She still would not process the request so I asked for a supervisor. Then a supervisor by the name of XXXX with an ID of XXXX was placed on the phone because I requested one. When this representative gets on the line, I explain to the representative that I would like to request that my limit be increase back to the original amount. In return the supervisor begins to read to me a letter that they sent out that I had already advised that I received electronically. I kept trying to advise to the supervisor that I was just trying to put in a request to have the line increase. And then after I do that, I ask them how long would it take for me to get an answer back from citi : The supervisor advised me that yes he could put the request through today. And yes I could get an answer today. But he also said he was not doing that and then he proceeds to speak over me. I explain to him that I would like to speak to his supervisor. He does not put a supervisor on the phone. He just keeps trying to read me the letter that Ive already explain to him that I already have. And he keeps trying to read things over and over again and basically over talking me not letting me speak at all not listening to me at all just reading, random things and not allowing me to speak. This conversation was recorded and by the times that it was about a 35 minute call altogether. And my request was still not fulfilled. Based off of an adverse reaction that was taken by the bank.

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