BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: LA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

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 2023-02-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing these items a long time. The other bureaus already removed some negative items on their file because of inaccuracies. But some agency still reporting these negative items account on my credit report. Only your agency is reporting this account negatively and that is a violation of 15 U.S. CODE 1666B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father passed away earlier this year in XXXX. I am his sole beneficiary, POA on the account, and am managing his estate. I have provided documentation and death certificates to Citi to prove that the account owner is deceased. 

Over the course of the last three to four months, I have been trying to close my father 's checking account with Citi Bank. On numerous instances with online chat and over the phone, the request has been denied. They have assured me multiple times that the account will be closed, but each time it remains open. Now, they have started assessing fees ( $ XXXX ) to the account because there is no balance in the account. 

I have made an earnest effort to close the account to no success and I am hopeful that the CFPB can help close the account and put an end to this drawn out process.

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 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$580.00} to pay off a credit card ending in XXXX. I already had a tremendous number of problems with this bank regarding fraud on previous accounts of which they mishandled and acted like XXXX. I can't even begin to explain or get into it. I literally spent months of time trying to rectify and make sense of the situation. Bottom line here is this ...... I paid {$580.00} ... ... ..4 yes four times {$580.00} to this piece of XXXX bank. I want proof they credited me back 3, yes 3 times because I only owed 1 time this piece of XXXX bank their money. All the smoke screens and fraud and cancelled accounts and all the XXXX in the world won't make me lose my focus. I called 100 plus times and tried to straighten this out to no avail. 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 monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: LA
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 update my credit report and remove the public record that is currently listed.

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 2021-04-07
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
With reference to my multiple complaints raised to get back my money which is currently with chase and last complaint # XXXX which is closed without resolution and sending my money by chase, Please reopen the request and request you not to close until I receive my checks at shared address. The required documents were already shared with chase with notary and every-time chase just asks for documentation from me but have not resolved my issue by giving back my money since XX/XX/2019. The amount of {$6500.00} and {$900.00} which is my money with chase bank. Documents are attached in this complaint since I am tired of this repeating process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Avant Credit Corporation
State: GA
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 filed a dispute withXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXin regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV FUNDING LLC a collection agency for XXXX XXXX XXXX of South Carolina. LVNV FUNDING list on all three credit bureau for me as a charge off for {$1000.00} in XX/XX/2014. And neither company can provide me with proof that this loan is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, I pulled my consumer report on XX/XX/2023 and noticed a 30 day late payments and Inaccurate accounts reported. You are reporting inaccurate and invalidated information on my consumer reports Pursuant to FDCPA your company is to validate/ verify prior to placing the negative alleged late payment and inaccurate accounts on my consumer report. Furthermore, your company has violated federal law 15 usc 1681 ( b ) - permissible purpose for reporting this alleged negative late payment without my consent. Failure to furnish evidence that supports your claim I demand removal. Failure to remove I will sanction legal action for remedy.

Pursuant to 16 CFR 444.4 Unfair act of practice 15 USC 1681 ( b ) - I never gave them consent to report anything negative on your behalf Inaccurate Accounts
Inaccurate personal information 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 these particular laws. 1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions 2. 15 U.S. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate 5. 15 USC 1692 FDCPA I ask that all accounts listed be removed IMMEDIATELY due to an injustice, I am also aware that this has to be done in a timely matter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a short sale offer for this property. The bank processed the short sale but did not give the buyer an opportunity to counteroffer even though the buyer is willing to increase their offer. A foreclosure will have a deterimental affect on my credit as well as make me liable for deficiency. This offer was provided to the bank in XX/XX/2019.

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 2023-07-27
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 account below has violated by federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX This Above listed Accounts 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 account without my written instruction.

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 record of convictions of crimes which antedates the report by more than seven years.

15.U.S.C 1681a-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 causes 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 : XXXX DEPT OF EDUCATION/XXXX : XXXX DEPT OF EDUCATIONXXXX 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 2023-02-16
Company: EQUIFAX, INC.
State: GA
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights.15u.s.c 1681 section 602 A. States I have the rights to privacy.15u.s.c 1681 604A.section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
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:
My Name is XXXX XXXX XXXX, I work for the XXXX XXXX XXXX XXXX XXXX. I have been XXXX to XXXX, XXXX, XXXX, XXXX, and XXXX XXXX since 2019. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has violated my rights. I have never had an account with this company. 

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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is additional information regarding the complaint # XXXX that i submitted earlier today regarding this matter. 
Bank of America credited me with {$73.00} for a fraudulent car rental charge made in XXXX XXXX Bank of America wrongly reversed that credit and charged me the {$73.00}. Bank of America got the {$73.00} back from the dishonest car rental company on XX/XX/2020 but still refuses to give me the {$73.00}. Thus Bank of America got the {$73.00} back from the fraudulent vendor, but instead of giving the money back to me Bank of America is keeping the money for itself. 
As I mentioned in my original complaint filed earlier today, I do not have the computer skills to attach documents that I mentioned in my original 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 monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: LA
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from 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 explanation
Consumer complaint received 2023-04-19
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:
I received a response letter that says I am being represented by a credit repair company and they are requesting a copy of documents. I am not being presented by a credit repair company and I will attach all the necessary documents needed here. Here are the accounts I disputed : XXXXXXXX XXXX XXXX XXXX XXXX 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 2022-10-12
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charging overdraft fees when my account showed I had the funds available : Inaccurate 'Available Balance ' reporting has led to overdrafts on my checking account with US Bank twice now. Most recently, I received a notification today ( XX/XX/12 ) that my account was {$120.00} negative due to 'holds or other adjustments. ' I check my available balance almost every day. Even considering all pending transactions on my account, my available balance has shown to be roughly {$80.00} or more for over a *week*. The app literally shows the updated available balance under each pending transaction while they're still processing so you know how much you'll have once they clear, and I was nowhere near negative. Two small charges ( totaling less than {$40.00} ) went through today and suddenly my available balance was - {$120.00}, when no other charges had been added since yesterday, when the balance was showing to be well above {$40.00}, even with pending transactions. Today, all of the numbers showing my available balance after each transaction are significantly lower than what they were while those charges were pending. I am also not aware of any holds on my account/card and have no clue what 'adjustments ' would apply or have caused this, and I have no clear way to find out. 

Either their technology is malfunctioning, or they are intentionally manipulating available balances or transaction processing to mislead customers and result in overdrafts so they can profit off the fees. Their overdraft charge is {$36.00} per transaction, which means they'll now charge me at least {$72.00} in overdraft fees due to inaccurate/misleading account reporting- on top of the {$120.00} they say I overdrew, despite my account being nowhere near negative when I checked it last. Which means {$200.00} less from my next paycheck that I'll have to put toward bills and groceries. 

Given the impending recession, this seems especially heinous and worth bringing to an official 's attention. This is, at best, a serious error in their app/online banking, and, at worst, a malicious attempt to wring as much money as possible from the rapidly-shrinking pockets of everyday people.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602A. States I have the rights to privacy. 15u.s.c 1681 604A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: KY
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:
For the company to do what is fair and and equitable to me as a consumer by deleting the items that is identified as identity theft from my consumer 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 explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
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 Account name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Dept of EDXXXX, XXXX XXXX XXXX 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.

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 2023-08-18
Company: EQUIFAX, INC.
State: VA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief