BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: WI
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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've been a victim of identity theft a few years ago and I still have issues with someone attempting to open accounts in my name leaving me with hard inquiries I've contacted TransUnion and XXXX and was informed a mother ago to send in documents to support my claim and I did I sent in Police Report along with the Ftc and my credentials that was over nighted and they still refused to remove the fraudulent inquiries.

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 2022-07-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Amount I was shorted XXXX 
On XX/XX/2022 I made a mobile check deposit into my account at HSBC bank.. 

XXXX XXXX  released the funds to My HSBC account.. 

However, HSBC bank presented the check for payment to XXXX XXXX  TWO times.. 

XXXX XXXX returned the payment for the second presentation.. 

HSBC then proceeded to deduct the Second presentation, but never credited my account for the first presentation that XXXX paid to HSBC..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX.  They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.

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 2023-08-22
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After being evicted in XX/XX/2023 for not being able to pay rent I relocated and tried reaching out to my landlord before being evicted and he spoken to a judge further about a resolution but never received a response and was ignored until later, my grandpa receiving my mail to his address in a different state. To which it was a letter from the national credit systems , inc XXXX XXXX XXXX XXXX, ga XXXX stating they are trying to collect a debt owed to XXXX XXXX XXXX totaling, XXXX Stating to call them by XX/XX/XXXX of 2023 to dispute this matter when I hadnt heard anything about owing anyone since being evicted XXXX. Stating they will provide other agencies my information and to have my credit impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : CAPITALONE Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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:
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 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 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. 

List of Fraudulent Inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX

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 2021-04-24
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification that this account was added to my credit report. I did not receive a dunning letter. This account says it was opened in XX/XX/2021 and reported in XX/XX/2021. They had plenty of time to notify me of this debt. I want it removed immediately, not sold to another company and returned to its original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-10-31
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis. 

I am requesting a copy of my consumer report. 

I have requested this several times via your website correctly to then receive written mail I cant be verified. 

Attached to this complaint you will find : My drivers license My social security card My address XXXX utility bills Surely this is proof of my identity. 

Please send a copy of my report via email. 

If that is not possible send it via mail. 

All of my contact details are listed on this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I checked my account and noticed unauthorized transactions that totaled up to {$4500.00}. I instantly called chase bank and filed a claim. The specialist stated that I needed to show proof so then I spoke to another specialist and they noticed that there were atm withdrawals coming from a different states only minutes apart so he noted the strange activity on the claim but it was still denied. 

My debit card must have been compromised because I used it on XX/XX/XXXX @ XXXX XXXX in XXXX, NY XXXX XXXX XXXX XXXX and an unauthorized withdrawal was made on XX/XX/XXXX @ XXXX XXXX, location XXXX XXXX XXXX XXXX XXXX , NJ XXXX. 

I dont understand why my claim is being denied because it is impossible for me to get from New York to New Jersey in under 10 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Costco solicited and accepted a credit card application in my name from my wife without my consent and without me even being present in the store. My wife does not even have the same last name as me, so even if it was legal to accept a credit application in one spouse 's name from the other spouse ( which it is not ), how would you even know we are married? That could have been any random person in your store with my information and yet your representative did not even hesitate to take the application. Costco is allowing ( perhaps encouraging? ) front line team members to accept fraudulent credit applications. Why would you ever accept an application from a person in a completely different person 's name? How can consumers trust that Costco is keeping their personal information safe when they do things like this?

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-25
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My name is XXXX XXXX and the last four of the account number is XXXX with a balance at the time of sale of {$600.00}. 
I was first informed of the PayPal Synchrony called that was opened in my name in XXXX of 2020. I called Synchrony in XXXX of 2020 and informed them that this account was opened without my permission and was the result of ID theft. The rep confirmed that all the information in the system did not match me, including my name. The name on the account is XXXX XXXX XXXX. I do not have a middle name and I can provide a copy of my birth certificate if necessary. The rep told me that she marked the account as fraud and attempted to contact me to the fraud dept but could not. She asked me to call the fraud dept in the future. I tried on more than one occasion but the hold time was too long for me to wait. At the time I was an attorney for a debt buyer/debt collector and did not have time to wait. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Synchrony then sold the account to XXXX ( XXXX XXXX XXXX ) that has not filed suit against in XXXX XXXX SC. I am in contact with XXXX and XXXX and they are working with me to resolve this fraudulent account. 
In the meantime, I have been turned down for a XXXX  credit card because of this fraudulent account. The reason I was declined is because of a past delinquent credit card with Synchrony. I had to have my XXXX XXXX XXXX XXXX open the store card. This is ridiculous. I have filed a fraud affidavit with the FTC and filed an FTC complaint.

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 2023-09-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/XXXX I opened secured credit card with Citi Bank. Secured means I had to put {$2000.00} deposit on it, which I suppuse to get back once the card transition into regular Diamond Preferred card. As of now - XX/XX/XXXX I haven't received my deposit back. I'm calling twice a month for an update, usually spend XXXX hours on the phone- only to be told they're still investigating and I should get an update soon. With that being said- they're using my money for free since XXXX  years. If I borrowed {$2000.00} from Citi at their current rate for XXXX years - I would have to give back another {$2000.00} by now. So I don't understand why they keep using my money and refuse to give it back.

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 2022-03-14
Company: EQUIFAX, 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 XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: HOVG, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The first and only document I received from Bay Area Credit Service was full of false and incorrect information. The document is threatening me with interest at 8 % but I never received a 30 day window to dispute it in the first place. The document also never mentions that the debt will be placed on hold while I dispute it. This document has 1 phone number with 1 person on the other end acting as multiple people. I tried going to the website for further proof as there is no email for me to contact, and the website is a scam. Each button and function I click takes me to an " error '' page. Also, this website has multiple phone numbers listed and not a single one matches the phone number on the document I was sent. I called to dispute my " debt '' and when I asked for an email copy of an itemized statement and proof that they are a legitimate debt collector, they would only respond by questioning me about what they must send. I told them I dispute the validity of the debt and they simply replied that I have to call my insurance. These people are referencing an ambulance ride I had from over a year ago which was fully covered by my insurance at the time, as I had already met my deductible. The website is www.bayareacredit.com/compliance and the phone number is XXXX. I recorded the errors I had from the website and noted the date and time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/ I called XXXX XXXX to pay for seat changes for 3 passengers on the same reservation. The representative told me that my total purchase was {$280.00}. I charged the purchase to my XXXX XXXX retail card issued by Citi Retail. Citi Retail offers 6months promotional financing on purchases of {$150.00} or more. When the purchase posted to my account it was posted as 3 separate transactions XXXX, XXXX, & XXXX therefore excluding me from the promotional financing. I sent Citi Retail a secured message through my account center on XX/XX/. They told me to call Citi Retail customer service. I called and they refused to fix the issue.

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 2023-10-31
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. 

Account Name XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2020-06-18
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today I received an alert that shows an account that is well over seven years old it shows that the account was open on XX/XX/2020 which is incorrect. This account shows 12 months of no payment history which is also incorrect I was never contacted on behalf of this account for resolving or making payments. The account was so old I didnt know that it would make a new mark and move my credit score down 18 points. I called to dispute this because the dates are incorrect and I was not contacted. The debt collector purchased this account and added new dates. Im in the process of purchasing a home and this doesnt look good especially not being correct

Company response to consumer: Closed with explanation