BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank has unlawfully kept {$9500.00} of my money. The most recent attempt to resolve this matter was thru phone with Citibank 's Executive Office on XX/XX/XXXX. They confirmed my checking account had been closed on XX/XX/22 and the balance was {$0.00} at the time of closing. Citibank has been unable to provide an explanation as to the destination of the money or whether this amount is ever going to be repaid to me. 

I opened a checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 was {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank more than XXXX times and spoken to more than XXXX employees in their customer service and fraud departments, and executive office, visited their retail branch, spoken to one of their bankers and the manager at their branch.

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 2023-10-27
Company: LEXISNEXIS
State: MD
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 submitted a dispute to Nexis Lexis and never heard anything back. It has now been well over 30 days with no correspondence. 

I am challenging the validity of this alleged bankruptcy Lexis Nexis have listed on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I received a letter dated XXXX XXXX fr0m XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Stating that my credit report has information for Cardmember Service credit cards that my interest rate was to be raised due to the : serious delinquency, not explaining what the delinquency is. That my ratio of credit limits is too high ( yet no late payments and I always pay much more than minimum and on time. Also that I had too many accounts ( again, paid on time and paid off! ) And the delinquency is unknown, XXXX has no idea! XXXX has for many years given these false, undated and unknown credit reporting and clean my files and continue to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened a credit card with PNC. I activated the card and successfully made a couple of purchases. Shortly thereafter, the card started getting declined. I contacted PNC customer service repeatedly to get the issue resolved, but I was not successfully able to get help from their customer service. I waited on hold for over an hour and 15 minutes, finally disconnecting to board a flight. Their unwillingness to assist is both frustrating and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was settled via garnishment from my payroll check in XX/XX/2019. The owed amount was paid in full however the debt company has refused to correct the correct amount on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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:
I called your department after I purchased a credit report with XXXX on XXXX2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX  XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX  Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}, {$5000.00}, {$5000.00}, {$1500.00}, {$1000.00}, {$4200.00}, {$0.00}, {$3800.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1.  XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 


-- AUTO ACCOUNTS -- 6. XXXX XXXX XXXX & with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

7. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3800.00} -This is not my 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 2023-08-14
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a formal complaint regarding an inaccurate debt entry that has been reported on my credit report. After reviewing my credit report obtained from XXXX, XXXX, and XXXX, I discovered a debt associated with XXXX  XXXX XXXX XXXX that I have never opened or authorized. 

The details of this erroneous debt entry are as follows : Creditor 's Name : NCA  Original Creditor : XXXX  XXXX XXXX XXXX Amount of Debt : {$390.00} I want to emphasize that I have never had any financial dealings with XXXX  XXXX XXXX XXXX and have never opened an account with them. The inclusion of this debt on my credit report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I have taken immediate steps to dispute this erroneous debt entry with  [ creditor 's name ] directly, but they have failed to respond or rectify the matter. It is disheartening that despite my diligent efforts to address this issue, the credit reporting agency has continued to report this inaccurate and unjust debt entry, which has had a profoundly negative impact on my financial standing. 

I request that the Consumer Financial Protection Bureau launch an investigation into this matter and take the necessary actions to rectify this egregious error. I kindly ask that you contact NCA/XXXX XXXX XXXX  on my behalf and demand that they provide verifiable proof of the alleged debt or immediately remove the entry from my credit report. 

I implore the Consumer Financial Protection Bureau to expedite its investigation into this matter as the inclusion of this false debt on my credit report is causing significant distress and adversely affecting my financial well-being. I kindly request that you keep me updated on any progress made and provide me with regular updates on the resolution of this issue. 

Please feel free to contact me at your earliest convenience should you require any additional information or clarification regarding my complaint. 

Thank you for your prompt attention to this matter. I am confident that with the intervention of the Consumer Financial Protection Bureau, this erroneous debt entry will be swiftly rectified, and my credit report will be restored to its accurate and fair state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted you to get my old address and names remove because I don't live there anymore and unreachable to this old address XXXX XXXX XXXX XXXX NV XXXX, i dont want anyone opening a mail to sent to this address and to prevent fraud. please only put one name and one address on my credit file thats shown on my Driver License. i attached copy of my driver license. please update.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: SC
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:
I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus XXXX, XXXX, and Experian. Credit Companies are not complying with their own policies in a timely manner.

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 2023-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and theres a collection that does not belong in my credit report it is violating some consumer rights accounting to the FCRA please help me REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. the collection/charge-off will be listed below. 

XXXX XXXX acct # : XXXX Amount : {$470.00} This account is violating 15 U.S. Code 1681e - Compliance procedures section 10

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Responding to Chase 's FALSE claims of us not submitting the declaration, we submitted it on 3 DIFFERENT OCCASIONS! 
On XX/XX/XXXX 2 wire transactions took place out of our account from Chase in the amount of {$92000.00}! 
I have been ran around in circles by Chase since then, handed over to department after department. I went through a mental health breakdown and am on the verge of losing my business! I can not afford a lawyer at this time. 
CAN SOMEONE PLEASE HELP ME GET MY MONEY BACK?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent a letter to TransUnion on XXXX/XXXX/2022, because of inaccurate items on my credit report. I informed themthat I want them to investigate and delete all of the inaccurate items. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they infome me of the results of the investigation and that they document that the accounts are in dispute. It is also federal law that the agency investigate any and all disputes and give an updated report of the investigation. This has not been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$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 2023-04-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Zip Co US Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Ever since I tried making the last payment in XXXX or XXXX I have been trying to contact Zip to discuss why I could not access the website or app so I could make a payment at least 10 times. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 4 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. Now my account is a month overdue and I am sure they are not gon na have a single problem with freezing and/or canceling my account where I can no longer use their services even though this is out of my hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The c.r.a. are still reporting old addresses, old information usc 15 1681 i they not allowed to report old iinformation and they doing it from, landlord they should have been remove CFPB, just sued Transunion and they refuse to remove the old landlord information I just got turn down for a apartment, now I have no where to live beccause of these credit reprting agency.I have right to to privacy usc 15 1681 602 a, XXXX funding, ome, when you crge it off its now income, I want these remove from my credit report, I have the right for my credit report to look the way I want it to look USC 15 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these 3 company are reporting charge off I.R.S. said you can't report a inc

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 2023-08-14
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:
This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXX XXXX XXXX. Please remove this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation