BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
In late XX/XX/2022 or XXXX XXXX XXXX  my checking account at Fifth Third Bank was hacked and numerous unauthorized withdrawals were made. The fraudulent acts included multiple XXXX transactions ( {$1000.00} ), foreign money transfers ( {$5200.00} ), XXXX payments ( {$900.00} ), and other online transfers ( {$3800.00} ) until my account was depleted. 
I contacted the bank in late XX/XX/2022 when i became aware of the situation and reported in person all fraudulent activity that had occurred. To date, only a portion of the funds from the fraudulent transaction has been returned to me with the {$900.00} XXXX and {$3800.00} other online transfers denied without specific reason or cause. The reasons for denial from Fifth Third Bank include " we've determined the transaction is valid '' and " our research confirms that the transaction was valid. 

My contacts with the bank to trying to settle the matter included in-person visits to my local Fifth Third branch, telephone calls to the Fifth Third Fraud Department and Multiple letters to the Fifth Third Disputes Department requesting return of funds from the fraudulent acts. I also filed a police report with my local department in XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: TN
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 submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: Self Financial Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Despite my credit card account being closed as of XX/XX/2023, I have noticed that XXXX and XXXX continue to report this account as open on my credit report. This inaccurate reporting is misleading and can potentially harm my creditworthiness and financial standing. I have made efforts to address this issue with XXXX and XXXX and self-lending inc that's the credit card issuer, but the incorrect reporting persists. 

Requested Action : I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek the following actions to be taken : 1. Conduct an investigation into the inaccurate reporting of my closed credit card account by XXXX and XXXX XXXX. Facilitate communication between myself, XXXX and XXXX, and XXXX XXXX r to ensure that the account status is updated promptly and accurately.

3. Enforce any applicable consumer protection laws or regulations that require accurate reporting of credit information.

4. Provide guidance and recommendations on how to rectify this issue and prevent similar inaccuracies from occurring in the future.

I have attached copies of relevant documentation.. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. 

Thank you for your assistance and dedication to consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am to believe that certain cc companies like citi and XXXX  XXXX XXXX are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.

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 2022-06-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, Sometime on XX/XX/XXXX I opened a credit card with Macys. I used the card and paid off the balance towards XXXX of XXXX so I only had the card for a month, I called and requested the account to be closed I was not fully aware that it was a credit card. 
Macys neglected to close my account and now when I am trying to buy a house I requested a copy of my credit report and Macys is reporting two credit accounts and had me delinquent for over a year. 
They never send me statements and I know I had closed the account. I have made numerous phone calls and requested to correct my credit report that what they are reporting in false since I only had one account not two, I closed the account they should have not been a balance on the account, they never notify me that the account was delinquent. 
The report Macys is reporting is false and incorrect of the status of my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/ I have noticed XXXX XXXX CREDIT CARD AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now IT HAS BEEN MONTHS NO RESPONSE RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They left a voicemail not addressing me or anyone in particular didnt mention anything other than to call them back, after googling the name Apex Asset Management I realized they were a debt collection service, I tried to contact them to avoid any negative outcomes on my credit history, I was put on hold then I could clearly hear people speaking in the background and then I was hung up on, most of the reviews seem to be from upset customers, im unaware of any debt I hadnt paid, I cant gain any further information when they refuse to speak over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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 put a Despute in for credit exception company 2 years ago with XXXX and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help 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 2019-07-12
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi. My name is XXXX XXXX. I have never had a Discover Card. I have been a victim of identity theft and have worked hard to get it removed from my report. For some reason a bankruptcy has been reporting on my report on XXXX and I am working with them to get it removed. It has been removed from XXXX and XXXX. It was a dismissed bankruptcy, nonetheless, it shouldn't be there. On XX/XX/XXXX I applied for a Discover Secured IT account so that I could start rebuilding credit. I have an installment loan reporting but I needed a secured card. I applied and I was denied. When I called to ask why, they said it was because of the Bankruptcy. I took it for what it was. Well then, in one of my credit groups a young lady said she had gotten approved for an unsecured discover it card and she has a bankruptcy that was discharged in XXXX. So now that I see this, I really want to know what is going on and what is the real reason that I was denied. Is it because Discover doesn't like me? What is it? I don't understand. It made me feel that she either beat the system or that I am being discriminated against. I would like my application to be reviewed manually and for someone to reach out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2023-06-28
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Date of BirthXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear [ XXXX / XXXX XXXX Transunion ] , I am writing to request an investigation of the following information on my [ XXXX / XXXX XXXX Transunion ] credit report : Dispute 1 : The charge-off of an obligation with [ XXXX ] is incorrect. The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute 2 : The charge-off of an obligation with [ XXXX XXXX XXXX  ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] [ XX/XX/XXXX ] Explanation of my dispute : [ I am the victim of identity theft, and I did not open this account ] Dispute 3 : an obligation with [ XXXX XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute 4 : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] Dispute 5 : an obligation with [ XXXX XXXX XXXX ] is incorrect. 
The following is the identifying information of the error : Account XXXX [ XXXX ] Date of incorrect reporting : [ XX/XX/XXXX ] Explanation of my dispute : [ The creditor misreported my account, and all my payments are current ] To further support my claim, I have attached documentation including : A copy of my credit report. 
identity theft complaint. 
Drivers license & SSN card Please let me know if any additional information is necessary to remove the charge-off and late payments from your records. I appreciate your assistance. 

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
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: IN
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 kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.

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 2023-12-23
Company: CITIBANK, N.A.
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:
CitiCard CitiBanks is reporting this information wrong ( Potentially Negative ) all payments were made on time. This prevents me from getting a loan consolidation to pay the balance in full. Which is a violation of Fair Credit Act US 611 Procedure in case of disputed accuracy { 15 U.S.C 1681 }

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 2019-07-12
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Good day, On XX/XX/2019 at XXXX the company " Cash App '' send me a message stating that a {$500.00} payment to my account was being disputed and that they were removing {$500.00} from my personal checking account. I was not given a warning about the removal or given a chance to protest it or speak on it at all. This was a very troubling moment for me, as I did not know I would be losing {$500.00} with no warning. 

I have emailed their support team several time since the incident, but have gotten no real response. There is a automatically generated message that gets sent to me stating that " Hi XXXX, Thanks for contacting Cash Support. We have received your inquiry and will respond within 24 hours. If you have any further information you'd like to provide you can respond directly to this email. 

Thank you, Cash Support '' There is no number to call to get in touch with a live person to get help, so I am stuck continuously emailing and getting no real response. When I try to follow up with another email they tell me that my case has been closed because they did not hear from me, but I never received an email from them to respond to. Below, I am including the message I have sent to them several times that includes my case number and all of the details associated with my account that are needed to identify myself and the disputed transaction. 

" I have been trying to get help from your team with this issue for over two weeks now. I have received no follow up communication. My case # : XXXX. The transaction described below was refunded from my bank account without warning and I had {$500.00} taken from me from Cash App. I didn't know the transaction was being disputed or that there was any issue at all. This was a very troubling experience for me as i had {$500.00} taken from me without warning. I have emailed several times about this issue, but have not heard anything back. How can this be solved? 



My cashtag : XXXX XXXX XXXX Sender : XXXX XXXX Reciver :  XXXX XXXX Identifier : # XXXX Date : XX/XX/2019 XXXX '' The files I am attaching to this complaint are all of the messages that have been sent between myself and Cash App. I also sent several messages to them through the app, but they do not provide a paper trail for those message so I do not have them.

Company response to consumer: Closed with explanation