BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/23 a bank account was opened at Bank of America in my name and approved with out my consent. Also an account with Merril Lynch was also opened. XXXX XXXX notified me immediately and set up a three way call with Bank of America and Merril Lynch to have this resolved.

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 2022-11-09
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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX XXXX .... Balance : -

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 2022-11-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below. 


1. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
18 usc 8 obligation or other security of the united states. 
42 usc 408 penalties 15 usc 1602 definitions and rules of constrution 31 usc 5118 gold clauses and consent to sue 12 usc 1431 powers and duties of banks ucc 3-104 negotiable instrument HRJ 192 15 usc 16930-1 remittance transfers These are just a few of the many laws being violated by Freedom mortage. as a private consumer I have rights protected by the uniform commerical code. my wet ink signature created a consumer credit transaction, which paid the debt in full. freedom mortage sent deceptive communications pretending i owe a debt that does not exist every month.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
please investigate my consumer report. i was never late. please see attached 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 explanation
Consumer complaint received 2024-01-08
Company: CITIBANK, N.A.
State: CA
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:
My identity has been compromised. Accounts have been opened that were NOT completed by me. I have also found that my identity has been sold on the black market on a site 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2023, I mailed a letter certified asking the credit bureau to delete all inaccurate personal information reporting on my report. I called each of them and was advised that they would update information and inaccurate information would be removed. I received a copy of my credit report, and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. However, the inaccurate information is still reporting. I have sent out yet another letter with verifying information to XXXX, Transunion, and XXXX to be updated immediately. Tracking number of letter XXXX, XXXX, XXXX. There should not be any aliases, unknown names, inaccurate addresses, nor inaccurate employment. In accordance with the Fair Credit Reporting act. 

The List of inaccurate names addresses, and employment attached in attachment 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 The credit Bureaus are still ignoring my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 explanation
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 I initiated a Balance Transfer Loan from CitiCard XXXX in the amount of {$10000.00} to my XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX 

The amount was cleared on my CitiCard, but has never been received by my XXXX XXXX. 

Research with CitiCard indicates the payment was sent electronically to XXXX XXXX XXXX ( XXXX ). However, XXXX no longer administers the XXXX XXXX Account. 

In every encounter, I have confirmed the correct XXXX XXXX account # ( where it should go ) and the mailing address for the receiving party. 

Today, my XXXX score dropped XXXX points from " Very Good '' to " Good, '' based on the {$10000.00} not paid down at XXXX and the {$10000.00} now being charged on the CitiCard. I have provided authorization for XXXX XXXX to speak with CitiCard- but that discussion has not happened. 

What will it take for CitiCard to correct the mispayment of these funds?

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 2022-12-22
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: 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. 
XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX ", XXXX XXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 explanation
Consumer complaint received 2023-03-02
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
( Translated from XXXX to English by a family member ) Account ending in XXXX. In XXXX of XXXX, I, XXXX XXXX, date of birth XX/XX/XXXX, went into Nordstrom Last chance located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I am XXXX-only speaking and was assisted by a representative who did not speak XXXX. I understood I was applying for a credit card. I do also recall making two purchases. She rang up a hair clip for about {$1.00} or so, then rag up the rest of my items. Due to the language barrier, I was not sure why, but I thought this was a bit odd. A few months later, I received a collection call from Nordstrom, saying I have a late balance over {$2.00} or so. The entire time, I thought my purchases had been made using my debit card, I dont understand why they would have rang up a hair clip separate, so I thought that was strange. I have NEVER been late on any payments, and would never be late for a transaction under {$2.00}. When I was talking about this with my nephew, who works in the financial services industry, he asked me if I understood the representative who helped me, and I responded with the honest truth, no I did not. He was very concerned with the predatory practice and for the employee not getting a translator or having someone explain what was happening. When he helped me call Nordstrom, the phone representative explained that the store representative gets credit card sales credit for any purchase over one dollar. Clearly, the store employee is manipulating the system by running a transaction over a dollar for her own benefit, and not in the customers best interest. Now, due to a lack of understanding and lack of explanation, there was a purchase for less than {$2.00} that was run on this card that was not in my possession instead of my debit card. I had no reason why to separate my purchase into two purchases, but was manipulated by an employee to benefit her sales goal. Now due to this purchase for less than {$2.00}, it has created a 60 day late reporting to my credit and created so much damage to my score, hindering my home purchase. I really need for this to be corrected, as this was malicious and a predatory lending practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
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:
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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
FIFTH THIRD BANK NA, IT'S AGENT, REPRESENTIIVES AND OR EMPLOYEES COMMITTED FRAUD BY TYPING MY CHECKING ACCOUNT NUMBER ENDING IN XXXX, INTO XXXX XXXX ON THE DEPARTMENT OF THE TREASURY W9 FORM. 

PUTTING THEMSELVES IN A POSITION TO DEFRAUD ME OUT OF {$490000.00} INTEREST AND OR DIVIDEND INCOME PAYMENT SUBJECTING THE {$490000.00} TO FEDERAL WITHHOLDING INWHICH FIFTH THIRD BANK NA CAN CLAIM A NOMINEE OR MIDDLEMAN OWNERSHIP, RATHER THAN THE TRUE BENEFICIARY OWN, XXXX XXXX XXXX, SOLE MEMBER OF XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: MD
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have had been a loyal customer of CITIBANK since I was a child and I have had this account in particular for many years almost 30 years, and in good standing. Someone unknow to me and without my knowledge or authorization accessed my CITIBANK SAVINGS account and CITIBANK CHECKING account on XXXX fraudulently by obtaining my information making me a victim of identity theft. The individual ( s ) accessed my account using the online site or accessed the account using the mobile application to commit fraud and withdrew money/ stole money from my account. 

Once in my account, the individual ( s ) changed my account from a regular CITIBANK CHECKING account and CITIBANK SAVINGS account and updating my accounts to CITIBANK PRIORITY accounts without my knowledge or authorization. They then moved {$5400.00} from my CITIBANK SAVINGS account to my CITIBANK CHECKING account to process the withdrawals. Following that the individual ( s ) then withdrew money through 2 transactions, one for {$2500.00} + another for {$2400.00} for a total of {$4400.00} from my account using the XXXX application. XXXX is partnered with CITIBANK and was accessed only after the person passed through my CITIBANK log-in to commit the fraud within the CITIBANK XXXX XXXX. 

Claims have been filed with CITIBANK regarding these fraudulent activities starting on XX/XX/XXXX the same date as the fraud took place. On XX/XX/XXXX police report was requested and filed. 

Visits have been made to the bank in regards to this fraud where I spoke with them. With a bankers assistance calls were made to the fraud department, so that I could again request action be taken and they documented the identity theft. This was In an attempt to have CITIBANK take action and return the money stolen from my bank account and provide detailed information on the fraudulent activities. Countless calls and time have been spent making calls to the fraud division of CITIBANK and requests for information to be sent to me as to how this happened. I would like CITIBANK pay attention to the fact that my identity has been stolen which is why they encouraged me to open new accounts which was done. I believe there to be security if this type of thing happens through a partnering application within the CITIBANK site or mobile like XXXX so that the resolution is to return the money taken from the account fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Armada Corp.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt for {$150.00} was already paid to Armada Corp and was supposed to be removed from my credit. They keep reporting this debt to XXXX as a debt owed and it is not owes. I even have a letter from them that I have submitted to XXXX that states I DO NOT OWE THIS DEBT. Please remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Benuck & Rainey, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had XXXX service our company well over 20 years. 
In XX/XX/2022 XXXX stop delivering product, did not answer phone calls did not respond to letters wrote to them. Had no future plans on delivering product to us. After running out of product in early XXXX we switched to another company who could deliver. With XXXX XXXX 3 months after last delivery and with no contact. a bill arrived for {$6000.00}. After calls and letters to the company, still no response for 3 months after. a Collection agency XXXX XXXX XXXX starting calling and harassing our company and even sent a letter to a personal address. They wanted over {$8000.00} XXXX?? 
Beware of their tactics to collect.

Company response to consumer: Closed with explanation