BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: GA
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:
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. 

Account Name : 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 has violated my rights. Or a list of inquiries : 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 2019-11-21
Company: Experian Information Solutions 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 recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2024-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I previously submitted a complaint on USAA because their ATM did not disburse my money ( {$300.00} ) on XX/XX/ I was in contact with a representative name XXXX up until XXXX trying to find a resolution to get my money back, then the communication stopped I've made multiple calls and no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Cascade CISS Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XXXX XXXX I applied for a personal loan through a company called Universal Credit. The loan was supposed to be used to help pay off some medical bills. The initial contact went well. I felt like I had an agent that represented the agency well until it was time for them to deposit the {$5000.00} check I had been approved for. The next day I had a different agent that had a XXXX  XXXX  accent he began reviewing my account and then stated I should receive the funds by XXXX. I then began asking how they would send the money if I hadnt signed paperwork and the agent transferred me to a supervisor named XXXX XXXX who then began telling me to download text free apps and any-desk which i found to be a hacking app. They then began depositing money into my account yet my bank placed a hold on it and when invoices that complaint they stated i would have to pay taxes to the ftc by simply going to XXXX and scanning a code. When XXXX failed they would say get XXXX  cards. When that wouldnt work and I eventually got tired of the run around they had someone call me claiming to be an officer XXXX XXXX from the county sheriffs department. The money was never deposited into my account and was ready for me to use. Between the XXXX and XXXX of XXXX this company deposited 6 fraudulent checks with incorrect dates and allotments. Now XXXX XXXX more in debt. Rent is due and i literally have no money. 
The phone numbers used for me are XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX The emails they used were XXXX XXXX XX/XX/23. {$990.00} XX/XX/23 {$990.00} XX/XX/23 {$2900.00} XX/XX/23 {$2900.00} XX/XX/23 {$2400.00} XX/XX/23 {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi decided to terminate my checking account in 2023. While doing so, they blocked my online access to my Citi credit card accounts as well. When I call them, Citi representatives helped me register new online access, but within minutes the new access got blocked by Citi. This already happened 3 times. 

Citi also cancelled paperless services for my credit card, without asking for my consent.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.

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 2019-01-11
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XX/XX/2018 Received an email from XXXX, XXXX XXXX, about the new credit card balance for the card " I '' recently opened. I immediately phoned the card company to explain I did not open any new credit anywhere at anytime. She was nice enough to explain the process I need to do to handle this and started an investigation on her end. 
XX/XX/2018 Experian added an initial security alert for 91-120 days. 
XX/XX/2018 I processed an on-line police report with XXXX Police Department stating fraud using my personal information. 
XX/XX/2018 I mailed to Experian, a copy of the police report and all necessary information to have the fraud alert extended for 7 years or a permanent alert, as rightfully entitled. 
XX/XX/2018 Experian mailed me a notice stating a ) my request was redundant b ) I forgot to include personal information in my request c ) I need to include a valid theft report from a local law agency. 
XX/XX/2018 I went to my local law agency ( XXXX Police Department ) to ask for help. The officers that I spoke to told me that my report # XXXX is in fact a valid report and there is nothing they can do for me, because I already have a report stating details regarding my situation, I can not amend it nor file another report. 
XX/XX/2018 Again, I mailed all the necessary information, including a statement of what XXXX told me. 
XX/XX/2018 I received a statement from Experian stating I had to include a valid theft report. 
XX/XX/2018 Again, I mailed the necessary information and a statement that said I have already done all the necessary steps to try to protect my credit information and my frustration with them repeatedly requesting a valid report. 
XX/XX/2018 Experian notified me of results and that was that I need to submit a valid theft report. 
As of today, I am still going round and round with this agency at great length and I am completely dissatisfied with all results they have issued me and with how to contact them. I can not speak to a live person to state all of this information. 
I formally request help with my case and to obtain an extended fraud victim alert.

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 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Contacted both XXXX  and TransUnion regarding an account that has been closed since XX/XX/XXXX but is still showing as open. When contacting these agencies, I received conflicting responses regarding the account. The account has been closed per XXXX XXXX  since XXXX. It is a XXXX XXXX XXXX account with a credit limit of {$2000.00}, opened by my wife, XXXX XXXX XXXX for which I am an authorized user. I was told that there is activity in XXXX, which is impossible, as we no longer shop at XXXX XXXX XXXX, etc. 
There is a {$0.00} balance on the account since XX/XX/XXXX. The account is not show open under her credit file. 

Please assist is having the account marked closed. 

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 2022-12-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
An Email was changed to my Credit to Two of my Credit Bureau and Probably other informations like my address and Email and Password and Name and age

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have requested a full documents from Wells Fargo as it pertains to my dispute under XXXX when I received merchandise that was broken and damaged and the seller had prior knowledge of the issues and the seller still sent the merchandise out anyways. Wells Fargo has not sent any documents to me or how they opened the dispute with Visa themselves SEE ATTACHED LETTER

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 2023-06-17
Company: JPMORGAN CHASE & CO.
State: MI
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:
JP Morgan ran my credit report 3 times for the same application. 2 were in the same day, but it was their automated system that I didnt authorize to run my credit report 2 in the same day. The third inquiry for the following day should be the only inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pulled my credit report on annual credit report.com I sent Disputing letter in to I c systems, XXXX and XXXX stating that this information reporting is inaccurate ( dollar amount and dates ) and must be removed from my credit report which is a violation of FCRA. The Account number on XXXX XXXX dollar amount XXXX and XXXX XXXX dollar amount 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 2021-09-07
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear Sir/ Madam, I have a loan borrow with Net Credit in XX/XX/XXXX, I made regular payments to this company until XX/XX/XXXX, ( Payment has been made totally 18 months, set up auto electronic payment every other week, total {$130.00} each month. 

My borrowed amount is {$2500.00} ( XXXX XXXX ) My total payment to Net Credit {$2000.00} ( XXXX XXXX XX/XX/XXXX ) My balance in XX/XX/XXXX was {$3100.00} ( this is not fair ) In XXXX, Net Credit told me my Balance was {$3100.00}, so I stop paying to this loan shark company, and have a law office named XXXX XXXX to write them an offer of {$300.00} to settle the case, but Net Credit refused, I called them few times but they refused my offer but have no resolution to me and keep emailing me ( every 2 weeks ) and charging me with unknown charges!!!! 

The mail from this week saying that I owed them already over {$900.00} I hope your office can help and advice Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
The Title loan company Wheels Financial Group, LLC dba LoanMart has not been licensed in the State of Florida XXXX XXXX XXXX XXXX for 20 years and they are acting illegally as a service provider for XXXX XXXX XXXX in Utah. They're trying to collect on a voided loan due to the company 's non-compliance with the Florida Title Loan Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was the victim of identity theft. In XXXX of 2022, a Bank of America checking account was opened in my name. I was able to close this account. BofA representatives instructed me to contact XXXX and place a freeze, which I did in XXXX. I also have freezes with all three credit bureaus. Earlier this week, another BofA checking account was opened in my name despite all freezes ( XXXX and all three credit bureaus ) being active. After speaking with XXXX, they informed me BofA ignored their security freeze. When I spoke to BofA about this, they informed me that this had happened before regarding XXXX and they believe the XXXX security freeze is not working properly. They directed me to the FTC and I have made my way here to report my issue with XXXX and/or Bank of America regarding this issue.

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 2024-01-03
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX  XXXX XXXX I made a mobile deposit of {$4000.00} into my wifes and I  savings account. I was notified that there was a hold placed on the account until XXXX. On XXXX I was then notified that the savings account had been restricted due to it being suspicious, irregular, fraudulent, unauthorized or unlawful. I then called and was told to visit a branch. I spoke with the branch and was told to sit tight and it should be resolved on its own, like a deposit hold, the fraud dept restricts the account. The branch did nothing further. I also verified that the check cleared from the bank. I believe Regions is accusing me of fraud and wont let me access my money.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 discovered violation on XX/XX/2021 under 15 U.S. Code 1681a ( f )

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 2023-11-06
Company: EQUIFAX, INC.
State: PA
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:
This is my 4th letter sent out to the credit bureau and reporting to XXXX on the misuse of Equifax 's reporting system on credit report. There are multiple unauthorized inquiries on my report and an excessive amount of inquiries from Equifax. There are more than 12 excessive entries into my account without my consent from XXXX present. This is a violations to my rights and an unethical practice and liberty taken against my rights. Its proven how hard inquiries impacts the status of an consumers report. They have not remove anything from my disputed, all accounts were updated and sent ack without any correction in these matters. There are also deleted accounts from other bureaus that are still posting on Equifax. There is also inaccurate name information, employment history, and three accounts that are reporting open when they have been sent to me in a re-investigation as closed or in collections. 
This has brought on much stress due to the lack of concern of how this is impacting daily life. This is too mush and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Experian Information Solutions Inc.
State: MO
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 Fair Credit Reporting Act(FCRA), Privacy Act of XXXX, and Equal Credit Opportunity Act(ECOA), XXXX XXXX is Violation of 15 USC 1681, specifically 15 USC 1681(3)(2), XXXX is not to report any information solely based on transactions or experiences the consumer and the persons. 
-violation 15 USC 1681b, Permission purposes of consumer reports, in general only under subpoena shall a consumer reporting agency may complete a consumer report.
- Violation 1031(a) and 1036(a)(1)(B) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which cannot be reasonably avoided
-Violation 5 USC 552(a) of Privacy Act of XXXX in accordance with 42 USC 408(a)(8) any company or agent of company who willingly and knowingly discloses, uses or sales the sensitive information of a consumer's social security number to any other persons is in violation of the laws of the United States.
Violation Rule 10b5-1(c) of Securities Exchange Act of XXXX This rule requires directors and Section 16 o

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company provided the XXXX false information claiming they needed to verify my identity. I mailed them a certificated letter requesting them to immediately delete outdated information, misspelling of my legal name, and removing of some hard inquires I did not authorize. 

In the same certificate letters, I demand NO credit freeze or fraud alert on my report. 

The certificated # 's are XXXX, XXXX and XXXX. In each of these mailing, I supplied a copy of my driver license and social security card. ( I did not upload here ) So quite frankly, I sick and tired of these stalling games by these credit agencies. 

I want these illegal items remove ASAP!

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 2021-09-07
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax is unable to verify bankruptcy by providing who at the court verified the information. Name of the person and date and time it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Experian Information Solutions Inc.
State: MO
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:
Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization that I, the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. This is effective IMMEDIATELY, and INDEFINITELY.

My consumer report does not report pure accuracy, lacks permissible purpose, shows non-mailable addresses, misspellings of my name, shows credit transaction history, and shows my personal private information. 
XXXXXXXX XXXX XXXXXXXX

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I submitted complaint XXXX and Transunion responded that they are working and it will take 60 days. Per the law they have 14 days to supply me with the verification method or the erroneous accounts described in the attached letter that I sent certified on XXXX XXXX need to be removed. Transunion has had more than enough time to send over the verification methods they used to verify said accounts.

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