BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of inaccurate addresses which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2013 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2013 According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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: In progress
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Which has not occurred in my case. Also these credit reporting agencies know it is illegal to report transaction history as well as utilization per 15 USC 1681i where it states " a report containing information solely as to transactions or experiences between the consumer and the person making the report ; meaning between myself and the institution I have dealings with not these third party companies. I am upholding my rights as a federally protected consumer. I have provided opt out notices to the financial intuitions which all have advised that my personal information isn't shared which I am aware is not the case per the Privacy Act Of 1974.

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 2023-12-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX was the first communication from XXXX XXXX  Credit Collection Services received letter and spoke to XXXX XXXX. She informed the balance was owed from XX/XX/XXXX. I requested the original statement because I was never informed of an owed balance from XXXX. Received the correspondence on XX/XX/XXXX and spoke to XXXX on XX/XX/XXXX which was escalated. Received call back on XX/XX/XXXX from XXXX. They gave me 24 to 48 hrs max to settle amount owed or would be reported to my credit. XXXX tried sending statement in XXXX there were no calls, emails, or other communication until the first collection letter on XXXX. I feel these are deceptive practices without adequate time to receive clarification, review/dispute charges, provide explanation, and allow the consumer a reasonable time to remit without penalties, further collection efforts and negative impact on consumer credit profiles. This is exactly the kind of behavior FCRA, FACTA, FDCPA, and CFPB were created to regulate and protect consumers. If this is not an isolated incident there should review, sanctions, and penalties against XXXX and their internal collection CCS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello on Friday XX/XX/XXXX I went inside a Bank Of America branch to exchange XXXX currency. I have a checking account with them. When I arrived I asked the banking representative who made the exchange if there were any requirements or restrictions and the only thing he said was there was a limit on the amount which I did not exceed. When the exchange was done he asked me to log into my BOA app to make sure the money was there and it was and he said everything was ok and thanked me for coming in and being a customer. The same day they put a pending closure on my account and its been under review for 10 days now without any explanation. When I call no one can tell me anything or have any idea when the review will be done. The account is suspended and Im unable to pay my bills or feed my kids. I dont mind them closing the account if thats their protocol. My concern is its taking them so long to close it. I got an email on Sunday XX/XX/XXXX that my account has been closed but its not. Please close my account so I can pay my rent.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXX Delete this account because each bureau reports a different date last paid : XXXX shows XX/XX/XXXX, XXXX XXXX no date and, Transunion shows XX/XX/XXXX, how can this be accurate?, remove due to inaccuracy - I never paid late in XXXX or XXXX of XXXX, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being 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 2023-09-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I was charged a monthly fee for only a second time since I opened chase checking bank account in 2014. I have recently downgraded my account to total checking account with XXXX $ monthly fee unless I meet certain requirements. On the site it looked like one of the option to waive the fee is real time payments in the total of XXXX XXXX I received XXXX $ through XXXX on XX/XX/XXXX and I was sure I met the requirements. However chase has charged me XXXX $ on XX/XX/XXXX. I went to the branch and I also made telephone calls and secure messaging with chase in attempt to understand the problem and to reverse a fee. The representative on the phone explained that if I use XXXX to qualify the amount of money received should be totaling in XXXX XXXX This was a surprise for me because nothing like this was mentioned on chase site. If I knew I would, of course make sure to receive XXXX $ XXXX payment instead of just 3 thousands. Anyway I shared with agents my frustration with the fact that such important condition was hidden and it's exactly what made me so confused. Because in the previous months I happened to receive over XXXX $ XXXX payments and I was never charged a fee so I was sure that qualifying for a fee waiver is definitely possible with just receiving XXXX payments. But nowhere would chase specify that the amount should be XXXX $ so I obviously had no way to foresee that I'm not meeting the requirements this month. Unfortunately chase refused to be flexible and reverse the only second monthly fee that I ever asked to reverse since opening account in 2014.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing this joint dispute and demand for investigation regarding the unlawful actions of credit reporting agencies XXXX and Transunion. 
For over at least 1 month, I have disputed fraudulent and unverified accounts reported through both bureaus. Despite legitimate requests for documentation and verification under the FCRA, neither agency upheld their legal obligation to properly handle multiple disputes. 
XXXX and Transunion merely stated the debts were 'verified ' yet failed to ever provide a single original document providing these accounts belong to me or that I owe the reported balances. 
Their dereliction of duty has caused immense harm, lost opportunities, debts and damages that I am still negatively affected by as the consumer and natural person identified. I am requesting the CFPB open an immediate joint investigation into XXXX and Transunion for their blatant and ongoing disregard of my consumer rights. 
I am also formally requesting all appropriate legal damages be assessed and awarded from both bureaus based on extensive harm done throughout years of unlawful reporting activities. Timely remedy and justice are needed to undo the damage caused and ensure accurate credit files moving forward pursuant to applicable consumer protection laws.

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 2022-02-11
Company: EQUIFAX, 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:
Last month I disputed XXXX with Equifax and unfortunately nothing changed. The credit bureau failed me with this dispute. Due to Equifax not doing their due diligence I've had to fight this matter on my own. As of today with my attorney 's assistance I received some resolve regarding this matter. XXXX has stated that they will remove the erroneous derogatory information that they have reported to my consumer credit file. 

Please see the attached documents and remove ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am not having any luck obtaining my free annual credit reports. Hopefully this process will help me receive my annual free copies.

Company response to consumer: In progress
Consumer complaint received 2021-02-13
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 a hard report was made to my account from Florida. I was living and working in Michigan at the time. My ex boyfriend, who is under investigation for other more sever crimes by the FBI, had stolen my Social Security card and my ID card before I ended up having to literally run away from him in Flordia just to remain alive.

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 : Account Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance is at 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) 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 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 2023-12-20
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I am a citizen of XXXX, living in XXXX  for a year and a half. I purchased a car through the company XXXX XXXX. The purpose of my payment was to pay for the car.I am filing a complaint regarding the delay in the transfer of funds that was made on XX/XX/2023. My account number : XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, and transaction number : XXXX in the amount of {$6500.00}. The sending bank mistakenly indicated the wrong address of my residence, writing XXXX. I have been living in XXXX  for more than a year, I have a legally confirmed business in XXXX. I was approved for a residence permit in XXXX. I have a lease agreement for an apartment in XXXX. I provided all supporting documents. According to the information provided to me by the bank, the delay is due to an alleged audit. this has been going on for two months now. I am deeply concerned about this situation, as such delays can lead to inconvenience and financial losses. Without these funds, my family will soon have nothing to live on. I am afraid that my money will be stolen. Then in the bank from which I I made a payment, I asked for a refund, because the company to which I sent payment for the car changed the details. But the intermediary bank ( XXXX XXXX ) ignores requests and does not respond. I ask for your attention to this issue and solution to the problem as soon as possible. Please provide me with details of the reasons for the delay and the time required to resolve the situation. I am attaching copies of all relevant documents confirming my transfer and transaction details. Thank you for your attention to this issue and I look forward to a prompt response. CITI bank has not responded to requests from the senders bank for more than a month, completely ignoring it. My money has been under consideration for almost three months now. Because of this, my child is hungry, we are being evicted from the apartment, since I have nothing to pay for rent. Perhaps your organization can help me .I really hope. 
Sincerely, 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is the credit reporting agencies duty pursuant to the FCRA to report correct and accurate information on my credit report and file, however they are NOT. TRANSUNION, XXXX and XXXX are reporting inaccurate late payments for the XXXX XXXX XXXX account. This includes a 30 day late payment notice posted By TRANSUNION in XX/XX/, a 60 day late payment for XX/XX/XXXX  posted by XXXX and and TRANSUNION as well as a 60 day late payment for XX/XX/XXXX  by XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in TRANSUNION, XXXX and XXXX violating my federally protected consumer rights. To add to this I did not give TRANSUNION, XXXX and XXXX written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION, XXXX and XXXX has violated my federally protected consumer rights under the FCRA and inaccurate reporting is causing me and my reputation severe harm and discrimination.

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