BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I documented all the steps I have taken in the attached document that is more detailed than this write-up and the dates. Please review it. 

There were fraudulent ACH debits on my account on XX/XX/XXXX for {$380.00} and {$4400.00}. I was proactive about securing my account by filing a claim and speaking with both the representative and a personal banker at the branch about the best steps to secure my account while the claim is being processed. Both representatives said that I should not close the account while the investigation is pending. However, one representative said that my account should be secure if I withdraw the funds from it and keep the balance low. Both reps claimed they could block ACH debits from my savings account, but not my checking. 

However, fraud continues to build up on my account. There was another unauthorized transaction that I noticed today, XX/XX/XXXX of a transaction on XX/XX/XXXX for {$380.00} that led to my account being overdrawn. I called in again and filed another claim, but I am dissatisfied that money is allowed to be continuously drained. 

I also applied for a {$500.00} promotion that has not posted. Obviously, the fraud and account security is more important, but I would appreciate if that could be expedited since it's probably necessary that I close the account since it's compromised. 

I believe I am being proactive about securing my account but Citibank is not. My checking account should be easily blocked from all future ACH debits. Please ensure this is the case. If this can not be done, I don't understand why we can't just close the account to prevent future 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 monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX Wells Fargo has denied me check deposits,, had overdrafting fees for transactions I did not know of. My information traveled to a third party in XXXX. I also became a victim of identity theft because someone else opened an Wells Fargo account in my name.

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 2021-06-26
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 have a complaint with furnisher XXXX XXXX XXXX XXXX that has been pending with the consumer finance since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is still under investigation so I started a dispute with Equifax XX/XX/XXXX, and lo and behold Equifax and its unscrupulous tactics has resolved my complaint on XX/XX/XXXX on an investigation thats been open with the furnisher since XX/XX/XXXX. I provided a document for Equifax to investigate the discrepancy and provide me with the information and the way they performed said investigation. Equifax unscrupulous tactics just closed the investigation before consumer finance could even provide me a conclusion to the other 3 investigations. Equifax did not provide me the proof of the false investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed multiple disputes to have these inquiries removed they were place on my report as a result of identity theft I have provided identity theft reports I want the 9 hard Inquiries removed from my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Under the FCRA. The three major reporting companies failed to provide proof of their investigation ( 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ), failed to accurately verify that the NEGATIVE Information reported belonged to me and failed to keep correspondence with the address provided.

Since no information was accurately verified, I demand that all NEGATIVE accounts permanently be removed from my report that is hurting me financially. Im prepared to pursue legal action for damages No consent ( permissible purpose ) on my behalf was never given to report anything to my consumer report List of negative items that was unverified in the supporting documents

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 2023-03-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the XXXX credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of an elder wire fraud scheme between XXXX. I contacted Chase promptly on XX/XX/XXXX seeking assistance reversing the fraudulent wires. I initiated a claim of fraud Chase Electronic Money Movement Recall Department on XX/XX/XXXX and spoke to a representative who gave me case numbers and told me that it would be 10 business days to recover funds. I followed up with this department on XX/XX/XXXX and was told that there were no updates on my fraud claims and to follow up on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and was told that nothing was recovered and nothing further could be done to help me. 

My daughter got involved in XXXX XXXX. She managed to connect with an agent in the Chase " vulnerable adults unit '' and learned that my case was NOT routed to the vulnerable adults unit in XX/XX/XXXX and no attempts to reverse the fraudulent wires were made until she got involved, which was over two months after I reported this to Chase and sought their help. I am at a loss as to how Chase representatives indicated this was being worked on and yet precious time when these wires could have been reversed was wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Today I found out that my Best Buy card has been charged a monthly fee for " Debt Protection. '' I called Best Buy to see what this was and when I had purchased it. They said that it was in case I ever lost my job, died, etc, so I could keep making payments, and they said it had been on the account since I opened it in 2005. I never noticed this before, because I generally pay the bill online and only look at the amount due because I rarely use the card, and have primarily only used it for large purchases. In other words, I trusted Best Buy and assumed that a handful of transactions + interest would show up on my statement in a given year. At any rate, since 2005, I have been charged over {$5000.00}, although the representative could not give me an exact amount because the card was no longer serviced by XXXX, who serviced the original card ( I am attaching the statements I was able to access ... you'll be able to see year-to-date for the last three years ). 

This whole thing is problematic for a few reasons : 1 ) I never purchase or agree to these types of plans. They are a waste of time and that is why I have insurance/disability. It would be very out of character for me to agree to something so trivial. 2 ) I have no recollection of agreeing to this plan, and I have a pretty good memory. I remember specifically setting up this account in the store and paying close attention to what the representative was saying as he explained everything. I was careful about what I agreed to and what I did not agree to. This was my first credit card, and I researched it and asked lots of questions before signing a single thing. 3 ) This is not the first time something like this has happened. I have heard from close friends as well as countless people on Best Buy message boards who were mislead by Best Buy employees who used unethical tactics to take advantage of customers. 

I have spoken to several people inside of the Best Buy organization and they have told me that this will need to be reviewed. However, I was never given that option. Instead, they took money from me without my knowledge or consent for years. So, I would like to file a complaint and ask that they return every penny.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/20XXXX 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 2021-02-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.

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 2022-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax has re-inserted years old fraudulent information/accounts. Accounts that have been disputed and removed are now reappearing without warning or new correspondence.

According to 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) ( ii ) -the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion I checked my report around XX/XX/2022 and seen the accounts reappear. I haven't received any information of accounts being reinserting in my file. Today is XX/XX/2022. 

I am sending them dispute documents, FTC Report, and the police report for these accounts. These accounts are result of ID Theft and need to be removed promptly. They are currently violating multiple FCRA regulations as well as failing to actively investigate disputes containing legal documents. I only get automated responses. Good luck getting justice with this Bureau, hope the CFPB can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX 3 missed payments open XX/XX/XXXX, XXXX XXXX XXXX XXXX 3 missed late payments open XXXX, XXXX 1 missed late payments opened XXXX, XXXX XXXX XXXX 1 missed late payments on XX/XX/XXXX open XX/XX/XXXX, XXXX XXXX XXXX XXXX 2 Missed late payments XXXX XX/XX/XXXX and XX/XX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX NA 5 missed late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX open on XX/XX/XXXX XXXX 1 missed late payment on XX/XX/XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Can you please tell me if Im apart of this Wells Fargo might owe you money following {$3.00} XXXX settlement settlement as I was a formal customer back then. At the time my last name was 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 2023-06-28
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2021-06-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 and XX/XX/2021 I disputed an account reported by XXXX XXXX XXXX in the file Equifax maintains under my Social Security number. 
On XX/XX/XXXX they responded showing the item was reporting. Again, on XX/XX/XXXX they stated it was verified. Then, I was informed on XX/XX/2021 that the item was not reporting on my credit report and they sent a letter showing it was actually deleted ( See attachment for documentation ). 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Equifax was required to notify me of the reinsertion in writing within 5 business days and they DID NOT. I wrote them a letter on XX/XX/2021 informing them of the above information and they responded on XX/XX/2021 just saying the information was validated. The company reporting this information agreed via a better business bureau claim, to submit a request to have this account removed and actually did so, which is why it was deleted initially. Equifax is in violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) and I demand this account be deleted from my equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: FL
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:
Experian have changed my address without my knowledge or permission and because i do not know that address they refuse to send my credit report to me or provide it to me. 

I live in a protected address system and Experian are endangering my life and causing havoc with my financial status because they have changed my address to something i have never heard of and certainly never lived at. 

I have a court order from a judge that my address be kept confidential due to attempts on my life and now Experian are endangering my life because they will not recognise my address is the same for the last 15 years and has not changed, they have changed it for some reason when i do not have any cards or applications for credit or accounts in any new or different address.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
After opening my account, I had funds direct deposited into the account. At the time, the deposit should have been once a week. I used my Debit card for a XX/XX/XXXX. The balance left in my account was lower than {$5.00}, but before another deposit could be made, there were fees applied to my account causing my account to become overdrawn. When the store charges tried to post to my account, more overdraft fees and overdraft protection fees were applied causing more of a negative balance. When I learned of all the fees and the chaotic mess that my account was displaying, I immediately had my direct deposit switched to another 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
Consumer complaint received 2022-10-12
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:
I am making another report towards XXXX, Transunion, and XXXX in reference to XXXX  account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 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