BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX ; Experian and Transunion should not be reporting a collection/charge off in the amount of {$410.00} on the JPMCB partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old and each bureau is reporting different dates of last activity! Also, the bureaus are not reporting this account as in dispute. This account in fact is in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and this line item needs to be updated and/or completely removed from my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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:
Im submitting this complaint against Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: CO
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 am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

Experian, XXXX, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.

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 2022-11-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is an attempted bank garnishment gone WRONG! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs CHASE ORDERS & amp ; XXXX  " Transaction Specialist ". There Has been mistake after mistake made by each party. 

CHASE BANK has been illegally holding funds in my personal bank account since XX/XX/XXXX. 

CHASE provided false information on their answer to the Citation to XXXX  XXXX  on XX/XX/XXXX, and again on XX/XX/XXXX. These errors have now caused my bank account to be illegally frozen twice. CHASE 'S initial answer to the citation to XXXX XXXX showed an incorrect present balance of over {$5200.00} when there was in fact only {$1200.00} in the account. 

CHASE has issued ( XX/XX/XXXX ) an amended answer to the citation with updated present balance amounts, but this new answer shows {$0.00} on hold. There was another hold placed on the account XX/XX/XXXX and the account is still frozen as of XXXX. The amended answer to the citation should show they are still holding funds, but it doesn't. 

The initial account freeze was lifted XX/XX/XXXX due to court order resulting from A {$4000.00} XXXX  exemption. 

There is A XXXX   exemption on file that is being ignored by CHASE XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: CITIBANK, N.A.
State: MD
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:
This complaint is on Citibank. 

I have a Checking account ( Joint with my spouse ) at Citibank. 

We scheduled a Credit Card payment to XXXX XXXX for {$80.00}. In the process, we accidentally selected the Citibank Checking account as the source for making the above payment. It was an accidental selection because, we have another checking account at XXXX XXXX, which is what we intended to select, but by mistake, we selected the Citibank Checking account as the source for making this payment. Citibank account had insufficient funds to clear this payment. 

A few days later when I logged into Citibank, I realized I had selected the wrong account for paying XXXX XXXX. I went and made the {$80.00} payment to XXXX XXXX Credit Card, from my XXXX XXXX account. But XXXX XXXX said, since the first payment was already under process, they will do the first attempt to withdraw and two additional retries to draw funds from my Citibank Checking account. 

The issue with Citibank : On the Citibank Checking account, for each attempt made by the Credit Card company to withdraw funds [ 1st attempt + 2 additional retry ], they charge me {$34.00}. In total, 3x {$34.00} = {$100.00} as Check Return Fees. 

Citibank also said even if the ACH Transaction was for {$1.00}, and there were 3 retries made, it is the same {$34.00} for each check return fee. Which is unfair. 

Citibank has no way of issuing a stop payment for retry attempts made by XXXX XXXX. And XXXX XXXX does not have a way to stop retrying. It's a Bank XXXX that these large banks have formed in XXXX, to say their software can not be modified to stop the automated process of retrying or detect retry and stop payment, with a clear intent to charge their customers the exorbitant amount of money, on both sides. i.e. XXXX XXXX charges me for returned ACH Payment, and Citibank does the same. 

It should be a shameful practice by banks to say they can not modify their software, as it allows them to charge their customers fees, which helps them earn their profit and bonuses every year. In XXXX, Software can be modified, to do what is right for the customers and banks, but banks are not willing to modify it as it will hamper their source of XXXX money made from Customers who try to make ends meet. 

Though XXXX XXXX is only presenting one ACH Transaction, and just doing retries to withdraw the funds, Citibank counts each try made by XXXX XXXX as a new ACH Transaction and charging an exorbitant amount of fees ( XXXX money ), from their customers like me who are struggling to make ends meet during such tough times.

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 2021-03-21
Company: Insikt, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).

Company response to consumer: Untimely response
Consumer complaint received 2021-03-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2021, I sold my digital asset- XXXX XXXX include transaction fee total amount {$6600.00} in XXXX dollar in XXXX with XXXX, the buyer used PayPal for payment, after I confirmed the fund was into my PayPal account, I released the digital asset to the buyer, after 3 hours later, the buyer file it as unauthorised transaction in paypal , I have provided PayPal all the proof that The goods have been released to customer, but end up PayPal said it is unauthorised transaction and took all my money and refund to the scammer, please help me, I have find both XXXX and PayPal XXXX XXXX freeze the scammer account but he already transfer out all the digital asset and they confirmed this is a fraud, for PayPal they just simply said I am not under seller protection and close case, I have made a police report to XXXX police force

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TX
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:
Pursuant to 15 USC code 1681 a ( d ) ( 2 ) ( A ) ( i ), Experian has been reporting my utilization and late payments, which is also a violation since Congress states that portion should be excluded from credit reporting. 

Late payments reported : XXXX. 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 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 explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX 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 2021-03-21
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently in the process of obtaining a loan in order to buy a house. Per my mortgage company, they are unable to access my third credit score and suggested I contact Equifax to fix the problem. On XX/XX/2021 I spoke to an Equifax representative and was asked to provide both my social security card and driver 's license so my identify could be validated. On XX/XX/2021 I faxed these documents to Equifax. On XX/XX/2021 I spoke to my mortgage company and was told that my third credit score was still inaccessible. That same night I called Equifax and told them about my problem and was met with the same response : provide your social security card and driver 's license. I explained to the representative that I have already done this once so he suggested that I do it again and include my e-mail address in the cover letter so they could notify me once the documents were received and the problem was corrected. On XX/XX/2021 I faxed the documents to Equifax for a second time. On XX/XX/2021 both myself and my mortgage loan officer called Equifax together to see if the problem was rectified, but we were told the same thing ( provide the documents ). That night we spent 3 hours on the phone but kept getting told the same thing even though we explained that I already provided the documents twice ; we even got hung up on a couple of times. On XX/XX/2021 both myself and my mortgage loan officer called Equifax once again and we were still told to provide the necessary documents. We requested to speak to a supervisor and once we were connected, I was told that my mortgage loan officer was not permitted to stay on the line despite me wanting her on the call. I explained to the Equifax supervisor all of the trouble I have been encountering and he suggested that I fax over the documents again but to a new fax number. I asked him how I would know the problem was taken care of as I keep getting told that if I fax the documents, my problem would be resolved. He told me that the fax number he provided is to the highest department and that my request would be expedited. I was also told that my request would be processed and completed within 24 to 48 hours. That same day ( XX/XX/2021 ) I faxed both my social security card and driver 's license for a third time to Equifax, but to the new number the supervisor suggested. My mortgage loan officer also urged me to mail a hard copy of these documents just in case and this will be completed on XX/XX/2021 via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Block, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have disputed fraudulent charges which on my card on multiple dates and they were all denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CITY NATIONAL BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CNB VISA # XXXX On XX/XX/XXXX, a letter was sent out to me that, effective XX/XX/XXXX, my VISA # XXXX at the City National Bank would be closed, and effective immediately, my credit line at the bank is being reduced from {$20000.00} to {$18000.00}. There was no clear reason mentioned on that notice, only that the bank is exiting out of the banking relationship. I am filing this complaint to get more clarification as to why the City National Bank has decided to pursue this action, and if their decision has been influenced by their parent XXXX company, i.e., XXXX, or is this a decision solely made by XXXX and CNB is just following orders? 

My credit account is in good standing, has been paid on time every time, and the credit account was granted to me based on my good credit history in the US, my credit application had nothing to do with the XXXXXXXX XXXX, and if, or at some point, I ended up having a conflict with their parent company XXXX in XXXX, should not affect my credit standing and accounts at an independent subsidiary in the US. The reason I have the belief that XXXX in XXXX is the one making this decision, and not CNB, is that on that exact same date, i.e., XX/XX/XXXX, my accounts at the XXXX bank XXXX had also been scheduled to be closed, due to the conflict that arose with the bank ( the XXXX bank decided to freeze my accounts for no reason, and after a legal challenge, they were forced to release the funds ). 

I would like to let bygones be bygones and continue my banking relationship with CNB, which is an independent US bank, regulated by an entirely different sets of rules and regulations. If there is any chance that the bank could revert the adverse credit action they have taken against me, increase my limit back to the original {$20000.00} and stop the closing of the an account in good standing, I would appreciate it. If the bank still is staying with the decision to close my credit card account, please provide me with a clear reason. 

Thank you for your time and consideration. 

-XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 contacted Transunion about unauthorized inquiries on my report due to identity theft and they refused to remove it. they said that it was a FACT that these inquires were mine... mean while they are in possession of my Police report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
There is information on my consumer report that is a result of identity theft. I did not provide permission or instructions or the identified transactions to be reported on my consumer report. Im requesting that the reporting of this information be blocked and deleted. My request to block is not being made and error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 XXXX XXXX You are required to do what Im asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your 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 2023-06-22
Company: EQUIFAX, INC.
State: CA
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 # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded 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 an account without my written instructions

Company response to consumer: Closed with explanation