BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
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:
Dear CFPB I filed a claim to Citi Mastercard Benefits because my phone was stolen/ taken from me on XX/XX/2023. 
I have received the result of this claim on XX/XX/2023 from XXXX XXXX XXXX, a Citi Card Benefits Administration who underwrites the coverage of the claims, Regretfully, your claim is not eligible for payment for the following reason ( s ) : " The item was not reasonably cared for ''. 
Claim # XXXX. 

Their response to my claim is invalid. I always take care of my belongings and everything was reasonably cared for. In this event, my phone was taken from me by force, unwillingly and unauthorized, I did not give anybody consent to take my phone. The thief also sent himself an unauthorized electronic funds transfer - a XXXX to himself after confiscating my phone and gaining access to my mobile banking. The thief is still using my phone that he stole from me, he was able to remove my XXXX XXXX from the phone and entered a new email to use. The phone is an XXXX XXXX XXXX XXXX XXXX serial no XXXX and XXXX XXXXXXXX. I had to purchase a new phone and Citi Mastercard Benefits is not honoring their phone claim program. 

Attached is my police report, FBI report, FTC report, and Claims Denial confirmation. Please help me.

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 2017-07-16
Company: Experian Information Solutions Inc.
State: AR
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:
Filled out application online for cheap car loans . .   XXXX   compa nies did a credit check without asking my approval.

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 2023-10-05
Company: EQUIFAX, INC.
State: TX
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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX, XXXX, XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: EQUIFAX, INC.
State: AR
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:
Filled out application online for cheap car loans .. XXXX companies did a credit check without asking my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: AMERICAN EXPRESS COMPANY
State: NY
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 received a promotion by mail for an American Express card. I have repeatedly asked American Express to stop sending me advertisements. Today, i received another card promotional advertisement to XXXX XXXX XXXX XXXX. I told American Express after i was sent and denied my last application to stop sending me these mailers. American Express has sent me another mailer, even after i have made multiple requests for this action to discontinue. I have also registered my name to stop receiving these and now American Express uses the deceptive practice of mailing to my business name, which still requires my SSN which i have expressly requested stop be included in promotional credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly.XXXX XXXXXXXX Balance Owed : {$71000.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.

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 2023-04-29
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX my email address was unlinked from cash app and my cash app disappeared with XXXX on it i got in contact with cash we was going back and forth for day 's nothing never got handled they kept sending me to different people im telling them the same thing that happened so finally i spoke with another agent sent all my information showing that the account belong to me cash app even told me that all my information was accurate but will not release my funds i worked hard for that money and to let them take it from me and not give it back is heartbreaking i can't pay my bills feed my family have to work extra overtime to try to stay ahead it's really stressing me out so im reporting to you all hoping and praying that you guys can get me My money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: JPMORGAN CHASE & CO.
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:
JPMCB AUTO Balance {$8500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX  Balance {$1600.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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 sent a letter to the XXXX XXXX XXXX on XX/XX/2023, requesting to remove : 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 that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus XXXXre required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Porsche Financial Services, 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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Bread Financial Holdings, Inc.
State: MS
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:
my social security number was used to apply for credit that was not mines these cards do not belong to me this is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: WELLS FARGO & COMPANY
State: MO
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  XXXX / XXXX /2017 I received a letter in the mail from WELLS FARGO BANK, NA for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
<P/>
I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
<P/>
The letter is from Wells Fargo Bank, N.A.   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EQUIFAX is violating my federally protected consumer rights. EQUIFAX is reporting 1 inaccurate late payment for the XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. 
I have previously made a claim revoking any permission granted for them to publicly furnish this private information. They continue to publicize this information which violates 12 CFR 1016.7. EQUIFAX never provided me an opt out form, and they continue to furnish this information even after I have opted out by revoking my consent for them to post this information through previous disputes. Furnishing this information is now also a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates. Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ). EQUIFAX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information. Finally, in reference to my past claims on this matter, EQUIFAX did not conduct an Investigative Consumer Report in accordance with 15 USC 1681a ( e ). 
It is clear that EQUIFAX has violated many of my federally protected rights by furnishing this information on my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), EQUIFAX is liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EQUIFAX must immediately CHANGE THE STATUS OF THIS ACCOUNT TO PAID AS AGREED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-24
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Card was removed from my XXXX Credit Bureau report in XXXX. As of today this account is appearing on my report once again. I contacted the creditor Navy Federal Credit Union and they agreed to remove this account do to major discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
After placing my home up for sale, I was notified that my property has a default judgment lien that was filed in XXXX by the XXXX XXXX XXXX a law firm/debt collector. The default judgment was obtained by fraud upon the court by filing a defective proof of service. 
Based on information obtained from an associate of XXXX XXXX XXXX the date of personal service was made on XX/XX/XXXX to a male at my address, and a default judgment requested on XX/XX/XXXX. I have undisputable evidence, that from XX/XX/XXXX until XX/XX/XXXX my XXXX XXXX XXXX son and I were in XXXX Colorado taking care of my XXXX mother, and the only person that would have been at my home on the date of service would have been my sister who was watering our house plants. Based on these dates, it is impossible for me to have been served court documents. I have researched this law firm and find this to be a normal practice, submitting defective proofs of service, and obtaining default judgments. 
There have been many civil suits filed against this firm, only to be dismissed based on the plaintiff 's lack of knowledge of the law, giving XXXX XXXX XXXX XXXX XXXX for dismissal.

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 2023-09-13
Company: EQUIFAX, INC.
State: MS
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$5900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MD
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:
XXXX/XXXX/2022 Called to demand deletions because the bureaus did not have consent and was hung up on. Told I was going to be transferred and was hung up on again.

Company response to consumer: Closed with explanation