BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I believe I am a victim of domestic XXXX by XXXX former attorneys employer and my ex-husband/ I have also reported them to the board of law/ I had been with XXXX XXXX XXXXXXXX since XXXX also a XXXXXXXX XXXX XXXX XXXX holder and the problem started in XXXX when I left my position at XXXX injectables all of my bank accounts have been hacked I had reported all of this to each bank I moved from XXXXXXXX XXXX to Citibank I also had a discovery card that I have reported the problems to I have been unable to turn on my cards turn on my credit since XXXX I have over {$350000.00} worth of frauds I only have XXXX bills I am paying out I have now never shut down the account at Citibank they have illegally shut down my account and have withdrawn over I would say {$60000.00} out of my savings account as well as my checking account they have not credited multiple frauds of charging me triple the amount of money for medical insurance I am now unable as a result to pay for medical insurance they have stolen over {$350000.00} from these accounts I have now moved to XXXX bank where I am having a problem even with is the bank paying the checks directly they are changing my accounts changing the addresses I have I believe might be a fraud loan at XXXX XXXX XXXX XXXX XXXX had to pay employee to sit on the phone with these companies for over e-hrs a week ; I have paid insurance XXXX x changed in XXXX different accounts for same bills ; 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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit reports and found inquiries I did not authorize. I never applied for a house or an automobile in XX/XX/XXXX. I purchased my only car with cash in XX/XX/2019. I have not applied for any type of credit so there should be XXXX inquires on my credit reports. It seems as someone is trying to use my identity to purchase items. 

These inquires were not authorized nor did I ever fill out any applications to obtain credit to any of these companies XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-11-02
Company: EQUIFAX, INC.
State: FL
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 2023-05-03
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled & paid off a debt owed for my XXXX credit card back in XX/XX/XXXX with the debt collection agency at the time. The company name was XXXX XXXX XXXX, XXXX. The account was discharged and released off of my credit report. 

In XXXX, Jefferson Capital Systems acquired my information from XXXX XXXX XXXX and began harassing me about the same debt which was paid in XXXX. Jefferson Capital Systems applied a derogatory mark on my consumer report for collection of this same paid-off debt. My credit score dropped XXXX points due to this. I am currently trying to resolve the matter with them but they are not responding swiftly or with any sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-28
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was misled by the Amex Platinum website into thinking that my online booking was with Amex platinum. Instead, all online booking is through regular Amex which does not give the same level of customer support. Nothing on the Amex Platinum website indicates that online booking are made by regular Amex. I pay a lot for Amex Platinum, and terribly disappointed by the misleading advertising on its website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I keep getting attempts for credit at XXXX XXXX 

dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: DISCOVER BANK
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:
Discover has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for Citi XXXX card on XX/XX/2022. Somehow the application did not go through and they asked to validate my identify with a mail. After 2 weeks waiting, I finally received the mail and got approved. However, after I made the first purchase on XX/XX/2022 with a small amount, my card was locked. First time I called the customer service, and the agent promised the card was unlocked. I tried again, and it was still locked. When I called them the second time, they said I need to wait another two weeks to receive a mail to validate my identity. They did not provide any other solutions. I told them I was moving to another place soon, and asked if they could make sure to send the mail to my new address. They were confident that the mail would be sent to the latest address without even asking my new address. After 2 weeks ( XX/XX/2022 ), no surprise, I still did not get the mail, and I needed to reach out to the renter in my previous place. I finally got the mail and called them to validate my identity. After answering all the security questions, they were having trouble validating my phone. I told the agent my original phone number was currently unavailable and I could provide another phone number or call back letter when my network gets fixed. She just ignored me and directly locked my account again, asking me to wait for another 2 weeks. Finally, I have to close the account to avoid the {$95.00} annual fee charge because I don't even know if I will be able to use the card or not.

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 2021-12-28
Company: Receivable Recovery Services, LLC
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: Investigation took more than 30 days

Complaint:
A validation of debt letter under Fair Debt Collections Practice Act was sent to Receivable Recovery Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Receivable Recovery Services is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: UT
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 filing this complaint because bureaus did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXXXXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated Employers XXXX I never worked there 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 2021-12-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
it appears that without my consent, CTIBANK has pulled my credit report on XX/XX/2023

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 2023-05-03
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The car loan, amount for {$31000.00} was paid off by XXXX XXXX XXXX XXXX XX/XX/XXXX to Ally Bank. The check was not found by Ally Bank. The XXXX XXXX Sent another check for the {$31000.00} with additional amount to pay for charges of {$160.00} XX/XX/XXXX, I called Ally Bank to request the title for the car. Ally Bank refused to send the title and wanted us to make additional payments. 
The car loan is paid off to them. See the copy of the checks attached below. 
They have reported my name to the Credit Bureau late for the month of XXXX, XXXX, XXXX and XXXX of this year. 

Thank you for your attention in this matter 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 2021-12-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
There was a fraud on my my American account that I closed 3+ years ago. American express fixed the issues after I file complaint and told me it is fixed and account is closed. I do not think they fix the issue properly. Similar fraud is happened again. Please note MY ACCOUNT WAS CLOSED years ago. No-one should be able to use it. 

Today I receive statement that someone used this CLOSED account on XX/XX/21 again and there is a of charge of {$9.00}. ( see attachment ) I called Amex immediately. After waiting hours on the line, and person told me they will work on it but did not receive any confirmation. This is a repeating fraud activity and needs permanent solution. 
The main problem is Amex SHOULD NOT ALLOW any charge on closed accounts. This fraud activity keeps happening on same account and it is damaging my credit record and more importantly I may lose my job because of bad credit. I am a Government employee with clearance and maintaining good credit is very important to keep my job. Account is closed 3 years ago. It looks closed in my credit report, it looks closed on statement in the statement they sent me. ( see attachment ) Why Amex is allowing someone to used my closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Pinnacle Asset Management, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka XXXX XXXX ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to XXXX XXXX XXXX, XXXX. 

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

XXXX XXXX has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. XXXX removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that XXXX XXXX is under investigation for fraud.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, I decided to make a Chase Secure checking account and move all of my funds over from XXXX bank in a form of a cashiers check. I did not have any other Chase products except a Slate Edge card which allowed me to create a checking account using their online banking system. Creating the account was a smooth process and was told that my debit card would be arriving shortly. I decided that same day to step into a branch to deposit my cashiers check from XXXX  bank and was told that the funds will clear on XX/XX/XXXX. On XX/XX/XXXX, I signed on to my online banking to inquire about my account and received a pop up message suggesting that my account is blocked and for me to contact customer service. Once I called them, I was transferred to more than 3 people and when I finally got to the correct department was told that my account is under review and is going to be set to close in the next coming days. I was so confused because I got reinsured that this process would be seamless with the bankers I spoke to when I stepped into the branch to make the initial deposit. I was told that there would be not alternate option in me receiving my funds and that I needed to wait 5 business days until the account is permanently closed to receive a Chase cashiers check in the mail. I decided to call every day because of how stressed this has been for me and no kidding I received a different turnaround time and resolution from every different representative I spoke to. The day of writing this post, this is the 12th business day and just yesterday I spoke with a supervisor who stated all of this could of been avoided by the representatives by allowing me to pick up my funds in a branch. I was wrongfully advised and the request to release the funds is just now taken place. This is unacceptable. Chase is taking zero accountability. Every time I speak to someone Im being told to continuously patiently wait and wait with no proper knowledge of the process.

Company response to consumer: Closed with non-monetary relief