BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-30
Company: CITIBANK, N.A.
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:
Citi Card Advantage mastercard kept e-mailing me that I was past due. I called the 800 number, and the number was based in the XXXX. Call kept dropping. I then sent a letter to CEO of the bank that issued the card. He sent me an e-mail with a number to call. I sent the payment on time in XXXX. 
I spoke with a woman by the name of XXXX. She told me she would call me back in a week. She never called me. I called yesterday, XX/XX/2020. Citibank did receive the check. XXXX claimed the check arrived Sunday XXXX. So that would make it five weeks. She blamed the post office. I asked her if she had the envelope ; XXXX said no. I spent 25 hours on this dispute. XXXX could care less. She said it was not a bank error. I do not agree. 
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 2023-01-01
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:
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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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 XXXX XXXX XXXX Account # XXXX, have 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
Consumer complaint received 2021-10-14
Company: General Motors Financial Company, Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against GM Financial located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, GM Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: JPMORGAN CHASE & CO.
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:
both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating AID, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX XXXX claims no such remark is showing on file but recent report from XXXX sent out XX/XX/XXXX from them is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. 
My right to privacy is being ignored by Experian, XXXX, XXXX and creditors. 

These false consumer reports has affected me adversely and I feel as if my character is being defamed.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had 30 days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside 15 days of the completing of your reconsideration.

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 2018-05-07
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid the 2nd installment of my XX/XX/XXXX-XX/XX/XXXX property tax in the amount of {$2700.00} in XX/XX/XXXX. I did it so I can claim it as an itemized deduction on my XX/XX/XXXX Income tax return. If I did not pay it, the mortgage company will have to pay it because there is an escrow account in my mortgage to pay the property tax. The mortgage company admitted there was an excess in their escrow account and mailed me a check for {$1000.00}. This is {$1600.00} short. There is no reason for the mortgage company to hold on to this {$1600.00} shortage.I want all my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
They are inaccurately dictating my XXXX XXXX and not giving me proper increase nor score, even when I paid off a few accounts and had a few fraud accounts removed they did not grant my proper increase and stuck me back at the same number within XXXX  days after those listed briefly accounts. They tried to correct it and somebodys XXXX yet again illegally jumped in my personal business and tried to illegally take advantage of me and my human rights and wont fix what my credit is about. You give credit for a person to represent their self through XXXX  and integrity and where you come from verse what you do with your life and business.

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 2022-02-03
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for the XXXX  over draft line of credit that I was pre approved for. I have a XXXX credit score and little debt and they decline me for no reason since I was pre approved for the over draft. I believe there was a XXXX component or my account has been flagged for some unknown reason. Either way I was discriminated against.

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 2018-11-02
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: Public record information inaccurate

Complaint:
I disputed a discharged bankruptcy and Experian and XXXX   refused to delete this error off my credit report. I have sent supporting documents and letters from courthouse stating they dont report to credit bureaus. They claim they are getting information from third part companies which is accurate and cant be used. XXXX did remove the error. I even sent in a copy to Experian and XXXX and they still refused to delete the error. it was responded that the company verified the info with a third party system. the third party system is incomplete and inaccurate since they don't provide complete social security numbers as they would against the fair credit reporting act and privacy laws. also i wrote the third party system and they don't have a record of the account. I am also attaching documentation of the letter sent to them for a second time and their 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 2023-08-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-05
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 2018-11-01
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted the CFPB regarding a debt and a dispute between myself, XXXX, and XXXX XXXX. 
XXXX/XXXX XXXX sent my account in to a collection company entitled XXXX XXXX   that appeared on all 3 Credit Reporting Agencies and as of XX/XX/2018 I believe all three CRA 's have since amended the information at XXXX XXXX  and the information has been deleted from my credit reports due to my attaching correspondence from XXXX XXXX that showed XXXX balance on that account. 

Since the correction of that issue an additional collection company has been calling me about this same debt at XXXX/XXXX XXXX. I spoke with a company representative at DCI Collections at XXXX and was informed that XXXX had sent them this debt and that it needed to be resolved immediately. 

I was informed that XXXX/XXXX XXXX would continue to send this derogatory information to various collection agencies so I am requesting assistance in getting this matter cleared up once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX MEDICAL XXXX Balance Owed : {$0.00}

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 2021-04-01
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:
Hi, I am writing to request the following information to be deleted from my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not consent to these accounts. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Applied Data Finance, LLC
State: MS
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 do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA. 

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently I had {$3000.00} medical.debt added to.my Experian credit Report. This debt does not belong to me. I've reached out to the company several times to try and have this debt removed and requested validation of debt from them with no success. Ice files reports with the FTC as well as an affidavit with the IRS for several other debts I had to have removed bc of this. I am requesting that Experian have this debt removed from.my credit report immediately. This is my 2nd attempt with contacting Experian to have it done and I have not gotten a response. Your attention to this matter is greatly appreciated. XXXX has already investigated this matter and has had it 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 explanation
Consumer complaint received 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was an account opened in my name with Bank of America and also XXXX. Both accounts have been closed. There was also another hard inquiry on my credit from discover card.

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 2023-06-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My chase account was hacked on XX/XX/XXXX and someone added my debit card to their XXXX XXXX. I received an email stating such and immediately called Chase fraud. I asked them to shut off my debit immediately but before they did the person who stole my info took {$1000.00} out of an atm in downtown XXXX ( I live in a suburb ) ans then did two transactions at XXXX sports totalling just over {$600.00}. I have spent weeks and a dozen phone calls with Chase and they finally gave me the atm money back in my account but it didn't happen until XX/XX/XXXX. In the meantime, three times now they have denied the XXXX transactions even thought it was immediately after the XXXX atm ones and keep telling me I authorized them. I didn't. I have an android and would never own an apple product. Nobody in my family gas XXXX products or XXXX XXXX. I never gave out my card information or the banking information. Even my husband could not login to my bank accounts. Now, by XX/XX/XXXX Chase is about to pull the funds again ( it was a temporary credit ) because I didn't provide enough information ( per the last phone call to them earlier this week ). I'm so over this bank and all of the fraud that has impacted. Y life over the last 9 years because I bank with Chase.

Company response to consumer: Closed with monetary relief