BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Credit card account was abruptly closed on XX/XX/XXXX by citi bank over what seems to be a question regarding a billing dispute. I have a credit score over XXXX I have never been late, accrued interest, or missed a single payment in 4 years. This is nearly 2 weeks prior to when reward/cashback payments are to be made for spending over the course of the XXXX fiscal year. Over the course of the fiscal year I have earned {$1000.00} in cash back rewards which were to be paid with the XXXX statement. Additionally I have a - {$1000.00} on the account in over payments/merchandise returns that has also not been paid back to me. I have contacted the executive office of Citibank as requested with no solution no response.

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 2021-02-14
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX at XXXX XXXX, Chase bank deleted my phone number from my account so that they could close my checking account that I've had for over 10 years without me knowing. I still have not received the over XXXX XXXX dollars that I had deposited in that checking account. They also refuse to tell me why they closed my checking account. This has caused me financial hardship during the current Covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed out my dispute letter XX/XX/20 to XXXX. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.

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 2019-09-27
Company: BB&T CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2019 BB & T sent a letter to me stating they have suspended my ability to obtain advances on my line of credit. They stated because I have delinquent credit obligations with other creditors. This info was obtained by BB & T thru XXXX. I pulled my credit using the Annual Credit report website and chose XXXX. My credit history with all but one creditor was in good standing. The creditor in question was a card my wife and I had in both our names. She put some dental work on the card and forgot to pay it and didn't even realize she was behind until my line of credit was frozen. 

I called BB & T XXXX PA Branch and spoke with XXXX XXXX NMLS ID XXXX. She was also the person I spoke with when I applied and obtained the loan in the first place back in XXXX/XXXX  2019. She looked into it and she called me back, said that the line of credit would be frozen for a year. I was in shock. I have plans for this money in the next 12 months and now everything must be placed on hold. She suggested a formal request to unfreeze the a/c to escalate the problem in the BB & T company. I received a notice stating that again my line was frozen because of the same delinquent account and would remain frozen. Also, this loan was opened with a variable rate. I asked if the could be fixed so I can build a payment plan to pay the line of credit off as soon as I can. She looked into it and got back to me, she stated that no, the loan can not be changed from a variable to a fixed for the same reason as the suspension, delinquent account. 

The delinquent account that caused this mess is now caught up with the payments and in good standing. My credit report reflects this. Its outrageous. I work hard on my credit to be in good standing. All of my other accounts are impeccable. One credit card with a {$600.00} balance that was grossly overlooked and my HELOC and all the plans I have for it is in jeopardy. 

How I want this to be resolved is 1. I want the suspension to be lifted from my HELOC and be able to use the funds immediately and 2. be able to lock the HELOC into a fixed rate loan.

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 2023-10-03
Company: Bread Financial Holdings, Inc.
State: NC
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:
Charge for {$160.00} was discovered on my Comenity account. The account has not been used for over 1 year and no charges were authorized. The accounts have been closed and I have received the XXXX balance letters form the bank. However, it is still showing on my credit report. 

I contacted the company to let them know there was an issue. They informed me it was noted as fraud. Two weeks later, their billing department called to tell me I was late making a payment. I informed them, again, that it was fraud and the accounts had been closed, with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 XXXX XXXX XXXX acct # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A : states that 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 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Congress has made it clear that Transunion has assumed a vital role in consumer reporting, and I have never given this company permission to do this. Transunion does not have my permission nor does Transunion have my consent. Transunion has not exercised their GRAVE responsibility and have been unfair and partial and have not respected my right to privacy. I have already made a CFPB complaint and attorney general complaint. I have never constructed Transunion to furnish a report or create a report and have never consented to any 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 2019-05-01
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have several citibank account and used their online banking and mobile app. One day, none of my logins work and I continuously get prompted to verify my identity. I contact them, wait a few hours with technical support, talk to 4 people and they can not figure out the problem, they suggest try again in a few days. 

I try again 5 days later and there are still no fixes.

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 2023-10-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: WELLS FARGO & COMPANY
State: NJ
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:
XXXX had multiple charges on my card that were not posted into the account and I never received the money from the debit card transactions, they locked my account and said they refunded the money back to Wells Fargo I also submitted proof of emails from XXXX to Wells Fargo and showed them the transactions were not made by me and XXXX acknowledged that, Wells Fargo still denied my claim, costing me over {$1000.00} that were transactions that were never authorized to post on the account since the money did not go into the XXXX 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 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
We are the victim of identity theft, on XX/XX/2019 opened a claim for unauthorized transactions posted to our checking a/c. XX/XX/2019 Bank of America has issued partial credit ( ACH transactions ), acknowledged the fraud, but holding us responsible for some activity ( XXXX and Billpay transactions ), and requesting information from me that is impossible for us to provide. We have co-operated to the best of our ability, and they have not been reasonable in the requested for cell phone text message records from the wireless provider and a written statement from the wireless provider letter head confirming that the phone number that is on the account never received a text from XXXX on those dates of unauthorized transactions then they reconsider to reopen the claim. We reached to wireless provider to get history of text messages to the second phone number on a/c but they denied to provide information as text message are legal matter, we need to get a court subpoena and my attorney have to reach wireless company legal department requesting for the details. We do not have an attorney yet. 
Below are the XXXX and Billpayment which we are not authorized from our account : XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX XXXX {$300.00} XX/XX/2019 XXXX Transfer Conf # XXXX ; XXXX  XXXX XXXX XXXX - {$1000.00} XX/XX/2019 XXXX Transfer Conf XXXX XXXX ; XXXX   XXXX XXXX XXXX - {$1000.00} Billpay transactions XX/XX/19 BANK OF   AMERICA CREDIT CARD Bill Payment - {$400.00} XX/XX/19 Bank of America   Credit Card Bill Payment - {$380.00} XX/XX/19 XXXX XXXX Bill Payment - {$900.00} We also tried to contact XXXX  XXXX  XXXX XXXX  to find out about these XXXX transactions, they are not responding. We opened a claim with XXXX  team for FRAUD INVESTIGATION and, RESOLUTION SERVICES  on our identity theft.

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 2023-09-30
Company: EQUIFAX, INC.
State: VA
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX  XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NV
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has closed another complaint that didn't fix or address the issue but in the explanation it even states many factors make up your credit score like ON TIME NEVER LATE PAYMENTS which that's what's my issue is about Experian stealing 17 months of on time never late payments to XXXX and refuse to give them 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I borrowed money through Nelnet, and they expect me to repay {$3500.00} after I graduate. Last semester, I took a break, but I resumed classes this semester, which started on XX/XX/XXXX, for the fall 2023 semester. Nelnet began sending me bills for my loan. I tried calling them to explain that I haven't graduated yet, so I shouldn't have to start making payments. Unfortunately, no matter how many times I call or how long I wait on hold, I can't reach anyone. I've been trying to resolve this issue by calling them for several days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i have found myself in a virtual XXXX situation subjected to intrusive violating cyberXXXX with sabotaged means of reliable communication in the summer of XXXX due to the violation of privacy which is essential in my professional field as a XXXX XXXX XXXX, I had to resign from my employment in XX/XX/XXXX, while I could address all the indescribable concerns I was faced with post my internet network being hacked. It has been over four years and I am yet to be responded to, although the aggressive cover attack has escalated severely to my life being defrauded beyond any reason yet still subjected to violent covert cyberXXXX  and theft of personal belongings by the unknown to me out of sight XXXX. 
in XXXX XXXX I have placed an identity alert on my identity and filed for an identity theft in XX/XX/XXXX, however have not heard back from them still, that is how I came to understand the issue with my contacting means being unreliable due to sabotaging by the invisible threat. I presume the government has conducted some form of action to my revolving financial accounts to prevent the furthering of an identity theft and yet another American defrauded of life, I did not have a single late payment since XXXX for close to 20 years until one day in XXXX I found myself in an unimaginable virtual XXXX situation having my constitutional and basic human rights violated by having my privacy violated. 
I have moved from XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX in XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I do not have a landline anymore.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: KS
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 company has fraudulently placed an item on my credit report. I have never had a credit card or signed card with XXXX XXXX. It is identity theft.

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 2021-02-13
Company: Cadillac Accounts Receivable Management
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I provided the correct information to the company they choose to not send the claim to the correct claims address to be paid.. I answered everytime they called an gave them the correct information to send claims to but they never sent them. Instead sent to collections even though they had a claims address for XXXX XXXX on file. I called my insurance they said company never sent anything. I called XXXX XXXX representative stated a completely different address they sent claims to told her this was incorrect she stated will theres nothing we can do thats were we sent it talk to collections. 

Attached is the correct claims address when checking there records you will see they did not sent here

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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