BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: CA
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:
Simply put, the accounts listed herein were not authorized by me, the consumer, to be reported to my consumer credit files, violating the Fair Credit Reporting Act. As this is my surety report, I control what is listed on my consumer credit reports and am hereby demanding the immediate removal of the accounts listed herein. I am NOT requesting validation or verification. I am demanding a removal of the following accounts based on violations committed by you according to the FCRA. According to the Supremacy Clause, when its in the best interest of the consumer and where there is conflict, federal law and the Constitution will take precedence over State law, and company law. According to 15 U.S. Code 1681 ( a ), you are hereby in violation of my right to privacy and information I demand be private and blocked and your reporting of these accounts is a direct violation of the permissible purpose section under the FCRA. The reporting of these accounts are not accurate and therefore must be removed. It is unverifiable due to my refusal to give you consent to communicate with other parties on this account without my consent as this is inaccurate. 

TAKE NOTICE THAT YOU ARE IN VIOLATION OF 15 U.S. CODE 1861C-2 IF YOU FAIL TO REMOVE THE LISTED ACCOUNTS AS REQUIRED AND MANDATED BY LAW. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I did not provide you with a permissible purpose to report any of these accounts which is a violation of 15 U.S. Code 1681b ( 2 ). I have provided you with proof of identification, a copy of the required identity theft report, a list of the accounts along with a statement advising that none of those accounts were transactions authorized by me, the federally protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was offered {$150.00} to open the account, and spend {$1500.00} in 90 days. The {$150.00} was to be paid in two parts. {$100.00} after meeting the spending requirement ( got it XX/XX/XXXX ). {$50.00} was to be posted 45 days later. 

It's been more than 45 days. I've written an two emails, made three phone calls, uploaded a photo of the offer and NOTHING. Reference numbers XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: AL
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:
I was victim an identity fraud victim.The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: BANK OF THE WEST
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:
sent ftc claim with the police report XXXX  and XXXX  took is off but of course XXXX  didn't b/c of their breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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: Investigation took more than 30 days

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am using Chime. I tried to mobile deposit a {$1000.00} check from my employer for moving expenses. It was a hand-written check on the company account. The check was declined and I contacted Chime as to the reason the check was declined. After talking with three different individuals including a supervisor I was told they could not give me a reason why it was declined. I find this unacceptable and feel they need to be reported for their practices. There has to be a reason the check was not accept and I want to know why so I don't incur this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXXCiti Bank . failed to send me statements via paper mail or electronic since I opened the account causing me damages in my credit history. I called many times and always games no resolution or help me to follow this issue. I opened the account mentioned but unfortunately that is the worst experience I ever had with this credit card. I will like your institution to start an investigation and go to the end since this issue was not follow properly and fairly. 
I really need your help and investigate why they failed and lied stated to me everything is corrected. I went to the USPS and also talked to a supervisor and they are stated not issue was found with my address. 
I already file a complaint with the XXXX  and other credit report companies XXXX, XXXX, XXXX and XXXX. 

Contact information XXXX XXXX XXXX/CBNA XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX AMOUNT : {$13.00} DATES : XX/XX/2022 FAILED TO SEND STATEMENTS CAUSING THIS ACCOUNT TO BE LATE AND REPORT AS NOT PAYMENT. 

NO STATEMENT PROVIDE BY THE COMPANY VIA PAPER MAIL OR ELECTRONIC.

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 2022-05-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Went to a dealership to apply for car I asked them but to run my credit through all the banks and they did And I applied for a credit card and wasnt approved

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 2022-05-30
Company: WELLS FARGO & COMPANY
State: VA
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/2021, we processed a debit card transaction to XXXX  under order number XXXX for XXXX for the purchase of a boat engine. We NEVER received the product and we can not get a response from the vendor despite several emails to try and resolve the issue. We have been unable to call as the company is in 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 2019-09-06
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was called by a private number in XX/XX/XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by XXXX XXXX and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My issue started when my job lost my direct deposits information and sent me a check by mail. However, my main issue is with my bank, Wells Fargo. On XX/XX/XXXX, I recieved my paycheck for {$940.00}. I did a mobile deposit not soon after, and wells fargo gave {$400.00} up front and the rest was supposed to be deposited after the holiday on the XXXX. 

On the XXXX, I went negative - {$480.00} due to my company withholding the funds and wells fargo taking back the fronted amount given on the XXXX. In addition to two overdraft fees. Wells Fargo informed me that the rest of my amount should be available on the XX/XX/XXXX. 

Considering I would be waiting for a while to receive my income, I transfered {$390.00} from a separate savings account. This put my new negative balance at $ XXXX. 

Fortunately, I recently recieved a settlement check from my previous job at XXXX for {$1100.00}. On XX/XX/XXXX, I went to the bank to deposit the check and cover any remaining overdraft fees. I was told the check would be available the following day on the XX/XX/XXXX.

The teller at Wells Fargo informed me that I had a positive balance of {$310.00}. I proceeded to ask if any Wells Fargo staff, customer service line or banker, has managed my account and waived my overdraft fees in order for me to collect my previously deposited {$390.00}. She couldn't see any man-made adjustments, so I assumed that the balance was mine considering my previous deposits of {$390.00} and {$940.00}. 

After withdrawing {$300.00} from the original {$310.00}. I noticed that night I did not have {$12.00} dollars in my account, I became negative $ XXXX. 

Realizing, I had made a mistake I went to the bank, on XX/XX/XXXX, to deposit {$280.00} dollars. While at the bank, my check for {$1100.00} was not available. She proceeded to inform me that the check was on hold for collection issues and will be available on XX/XX/XXXX. 

I currently have {$2100.00} on hold for due to collection issues although the checks are from different banks and companies. 

I could really use help considering my next paycheck will be arriving XX/XX/XXXX. Thank you for any assistance.

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 2019-09-05
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't have any debts or credit cards because I don't even have a credit score. Credence Resource Management has continually called our number, even after I blocked it, but they still manage to let me know they called because my phone has to use a 3rd party call blocker. I am taking care of an elderly patient with XXXX  XXXX, I have no credit of any kind, nor have I ever had a loan. I'm too young   to have any as I haven't even been able to seek employment due to being the XXXX  XXXX. My number is super private and only used for emergencies. Yet this company continues to call me around XXXX every day while I am taking care of my family member, making my stress much higher than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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 complaint is not being sent in error. I am a consumer by law. Inaccurate information is being reported on my credit report causing me a lot of sleepness nights. I am requesting damages for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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 first 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 Balance : {$2300.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX SHARE ) XXXX XXXX XXXX {$620.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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:
I have asked that these accounts and inquiries be removed as they are fraudulent and part of an identity theft investigation. The consumer reporting agencies have refused to do so in the last 60 days. I have also filled out an affidavit with the FTC. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX XXXXXXXX ( 4 different acounts total {$530.00}, {$1000.00}, {$430.00}, {$1200.00} ), XXXXXXXX XXXX XXXX XXXXXXXX {$7500.00}, XXXX XXXX XXXX XXXX {$2700.00}, XXXX XXXX XXXX {$2400.00} INQUIRIES : 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: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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:
COMPANY ( HSBC ) HAS HAD THIS COMPLAINT FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE ABOUT IT. THEY WILL PUT CHARGES ON CLOSED ACCOUNTS AND DO NOTHING ABOUT IT. ONE ACCOUN T XXXX HAS {$240.00} ON IT. THIS ACCOUNT SHOULD NOT HAVE ANY BALANCE. IT HAS BEEN CLOSED. AGAING THEY HAVE HAD THIS ISSUE FOR MORE THEN 15 DAYS AND NOTHING IS BEING DONE. ANOTHER ACCOUNT IS XXXX IS A CLOSED ACCOUNT AND HAS {$70.00} ON IT. AGAIN BOTH OF THESE ACCOUNTS SHOULD HAVE A XXXX BALANCE. I HAVE CALLED AND LEFT MESSAGES. THEY HAVE HAD THIS ISSUE FOR CLOSE TO A MONTH. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, someone placed an online order using my credit card at a XXXX for {$640.00}, and then they tried to purchase roughly {$900.00} worth of merchandise at XXXX, which Bank of America denied due to suspicious activity. Within the hour, I reported this as fraud, and Bank of America opened an investigation and sent me a new card. On XX/XX/XXXX, Bank of America got back to me and denied my fraud claim saying that " I received the merchandise '', which isn't true since I didn't purchase it and wasn't in the same city where the transaction occurred. After this, they published the transaction to my credit card statement, so I'm currently on the hook for the {$640.00}.

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 monetary relief
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank had a checking account offer with an intro bonus of {$1500.00} for maintaining over a balance of {$200000.00} for 60 days. I opened the account on XX/XX/XXXX with the offer and kept my balance over the requested limit. A few weeks past 60 days, I tried moving the money out to a higher APY account ( Robinhood ) after verifying with an online agent that the terms had been fulfilled, but a day later the transaction got declined. 

On XX/XX/XXXX XXXX I got an email saying my checking account was going to be closed for suspicious activity. I called the fraud department and tried to escalate through multiple departments that I had only made XXXX deposit and withdrawal to request for my account to stay open. The representatives were unable to provide any assistance. 

I am based in XXXX and will have to fly out to visit the closest physical branch. Can I get help with reversing the closure decision, getting more details, or having some way of withdrawing the money more quickly? I feel it is also unfair they decided to close the account without fulfilling their end of the intro bonus terms.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX Acct # XXXX whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7400.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, 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