BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: CITIBANK, N.A.
State: CA
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 signed up for a credit card with Citi bank that I thought advertised as intro 0 % apy for 18 months. But by the time I realized they were charging me interest. I had already accumulated $ XXXX in interest charges. 

I contacted them and they informed me that the intro 0 % apy wasnt on standard purchases, but only intro 0 % on balance transfers. When I asked to waive the interest, they said to pay off the balance then they can waive the interest. 

Once I paid it off, they tell me the system can only waive on statement per year.

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 2021-12-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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:
On XX/XX/XXXX I purchased a Brand New XXXX Vehicle from XXXX  XXXX XXXX, my business with the dealership was finished and completed and I drove the car home, but XXXX month later on XX/XX/XXXX XXXX XXXX XXXX ran a Hard Pull Inquiry on my Credit Report Twice in one day WITHOUT MY PERMISSION, and because of it my Credit Score went down XXXX points causing me damages. I have asked Equifax Reporting Company to remove such unauthorized Fraudulent Inquiries from my Credit File but nothing, they completely disregard my claim. Their behavior is abusive and a clear VIOLATION of The Fair Credit Reporting Act, which specifically states Hard Inquiries can not occur without permission XXXX XXXX XXXX does not have my permission to run my credit six months after my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with USAA FSB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and USAA FSB with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TX
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 as they are not mine and I have no knowledge of them. I am invoking my right under USC 1681g to have these accounts deleted from my credit report within 15 days. Kindly refer to the documents attached for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There at XXXX, XXXX dollar charges having been withdrawn from my account. From XXXX separate chase banks. 
I informed the police, and they did their investigations. They found that someone other than me, and my mom ( both on account ) withdrew money off a " device '' not from a card. 
When I gave chase bank the information they said it was fraud on XXXX separate occasions. 
So I submitted a " formal complaint '' and that was also declined. The fraud department says there weren't any " new devices '' added to have even withdrawn the money. 
Yet refuse to explain how that person could have done it without a " new device '' nor has my mom XXXX XXXX ever used a phone or smart watch to have any access to her savings account. 
Police report number XXXX Fraud number through bank XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-05-03
Company: EQUIFAX, INC.
State: TX
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 the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1.I have never had an account with this company Portfolio Recovery Associates , LLC XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Portfolio Recovery Associates , LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: DISCOVER BANK
State: PA
Product: Credit 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:
I disputed a charge from an item I purchased online and never received. I provided my phone records and screen shot of my emails to prove that I tried to contact this merchant many times not to mention trying to reach them at their physical store during their business hours many times and was not able to contact anyone for months and months. There is nothing more I couldve done to try to resolve this issue on my own. And so after many months I contacted Discover to dispute the transaction. I dont believe they even did a sufficient investigation before closing my claim. They closed it based on the premise that the merchant did not respond to their inquiry. Isnt that a given that a merchant that is fraudulently taking money from their clients is not going to respond?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
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: Account information incorrect

Complaint:
Inquiries : XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX | XX/XX/2020 : 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inaccurate late payments : XXXX : 15 U.S. Code 1666b. 
XXXX : 15 U.S. Code 1666b. 
XXXX XXXX XXXX XXXX XXXX15 U.S. Code 1666b. 
XXXX XXXX XXXX : 15 U.S. Code 1666b. 

Charge-offs and collections : XXXX : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 
XXXX : 15 U.S.Code 1692a ( 4 ). 
( Original XXXX XXXX ) :15 U.S.Code 1692a ( 4 ).

( Original XXXX XXXX ) : 15 U.S.Code 1692a ( 4 ). 

I reached out to these company but the issues were not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Getting error code " XXXX Exception unauthorized action.. " from Venmo i need to access my VENMO funds this is completely unacceptable and unreasonable, on top of that i was logged in already and it logged me out. This looks very fraudulent I WANT MY MONEY NOW. after two days if it doesn't open up i will be speaking to my lawyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
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 have no idea why you keep posting these negative accounts on my credit report, I already send few complaint to your company. I think that someone have my personal information

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 2021-12-24
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has been reporting on my credit profile to collect a debt that is not my debt XXXX XXXX XXXX and XXXX XXXX have sent several dispute action to Experian regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX XXXX back and XXXX XXXX, XXXX XXXX and XXXX again in XXXX and XXXX it still appear that it is showing a closed account but it not been removed as a fraudulent activity on my credit report. On the Experian website it appears that it is still showing on my credit report, I am reporting the inaccurate fraudulent activity these account does not belong to me that is reporting on 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 2017-09-14
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Block, Inc.
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Someone used my information to make purchases with after pay. I never used after pay and now there is a restriction against me.from any buy now pay later vendor. I'm asking for a full I investigation and unflag my name in your system or any system that suggests to other companies I owe you. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: LEXISNEXIS
State: WI
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:
It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it's actually you who are the actual furnisher and this account is reporting inaccurately. Therefore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from my credit report entirely for false reporting!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent Transunion a dispute in regards to some credit inquiries that i did not authorize and were fraud. When i called recently to follow up they told me that they would not process my request because it was mailed. said it needed to be faxed.

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 2022-12-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a XXXX XXXX XXXX women and what is being done to me by Citibank is criminal. On XX/XX/2022 My checking account ending in XXXX was blocked by Citibank without any reason given. I called that same morning and was told my account will be closed and a check with my remaining balance of {$38000.00} would be mailed to me after XXXX, I asked to speak to a supervisor and was told none was available at the moment but that they will reach back out to me which never happened. This was the second time Citibank within 4 months Citibank had block off my account, the first time was back in XXXX after I deposited backed up funds owed to me from my Annuity Policy. I was told my account was in process of being closed at the time as well but after calling for two straight days I was able to get a supervisor who verified my account and I regain access to my account which I was told was in process to be closed. Now fast forward to now I am being told the same thing for over the past month with no access to my funds and no way to pay medical expanse, its been over 30 days and I cant reach a supervisor just rude customer service workers says the same thing that my account will be closed soon and that I will receive a check in the mail at some point. To make matters worse I received a visit from a XXXX  human resource social worker because someone felt the need to make a complaint to the city on my well being and to check on my mental state which seem to me like maybe the same customer service worker for Citibank who felt the need to block/closed my account. I called this morning after I noticed 2 direct deposit of {$1300.00} each from my annuity had gone into my Citibank account and was told it was still in process of closing and that they could not stop incoming deposit which makes no sense since the account should of been closed by now so now I am being robbed of even more funds at this point. Ive tried reaching the news at this point since Ive been informed that this is something common that Citibank does to people and just need any help I can at this point. My Citibank XXXX account number is 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 2020-07-08
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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XX/XX/XXXX i sent dispute letters to XXXX, transunion, and XXXX to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, transunion, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX transunion, and XXXX post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, and XXXX have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if XXXX, transunion, and XXXX are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then XXXX, transunion, and XXXX must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted 1.XXXX XXXX XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX XXXX, Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX BANK Account XXXX 5. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15. The inquiry was not authorized SYNCB Date of inquiry : XX/XX/XXXX 2021

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