BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
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: Information belongs to someone else

Complaint:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
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:
Attempted on Thursday, XX/XX/XXXX, to remove EXPERIAN credit freeze from both my wife 's account and mine to purchase vehicle. Remove was supposed to go from that day to noon, XX/XX/XXXX. After almost two hours online during which Experian 's computers kept combining my credit report with my wife 's, were able to finally, by pure luck, to speak with a human being after calling seven different numbers. The person went through a complete redo of my account and recheck of my wife 's information. He then said both accounts were unfrozen as requested and that he would sent me a confirmation number. Instead, the confirmation number for me was sent to my wife 's email address as was another confirmation number for her. All I received was an ad for some paid Experian service. 

At the dealer on Friday, XXXX XXXX through which the dealer was financing, reported that my account was unfrozen BUT MY WIFE 'S WAS NOT and as always, we had no recourse except to send something to Experian by regular mail. This necessitated another hour at the dealership as all the paperwork was redone to reflect only me as the purchaser. This is not the first time we have had similar issues with Experian. We do not use major credit that often, but henceforth, if we encounter a business that requires a report from Experian, we will refuse to purchase. We are sick of their incompetence and buck-passing. 

Please note we have never had any such issue with XXXX or 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # 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 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear : XXXX, XXXX XXXX TransUnion This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX  : # XXXX 2. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX 4. XXXX XXXX XXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

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 non-monetary relief
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is incorrect info on my credit report should be correct and updated with document Letter By XXXXXXXX XXXX XXXX XXXX XXXX As Proof of my Student Loan Paid In Full By The Biden-Harris Administration Forgiven Federal Student Loan Listed Below With XXXX In Full. Loan Type or Program ( XXXX ) First Disbursement Date XX/XX/ Original Principal Balance {$26000.00}

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 explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not give the company written or oral permission to furnish this information on my credit report. In pursuant to 15 USC 1681b this company did not have a written permissible purpose to furnish this information on my consumer 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 non-monetary relief
Consumer complaint received 2019-02-08
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2019 I feel I was misled by XXXX from the very start of the program. I was advised no money down, no closing cost for closing. This turned out to be not true. My loan officer nor any of XXXX staff was present during the closing. My out of pocket closing cost, totaled {$9500.00}. I questioned this with XXXX prior to closing and was advised my attorney should go over this with me. However, she went over the documents provided by CitiMortgage showing what was my final closing cost. 

Please be advised CitiMortgage and XXXX hand department together is causing a hardship for me with the repairs they are requiring be done to my home. The home is already approved according to NJ State XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, where the property is located has issued violations on the property that is required to be repaired by XX/XX/2019 in order to obtain the Permanent Certificate of Occupancy. This residence is fully rented with myself living on the second floor. 

I am requesting my SCOPE of WORK be re-vised according to the City violations and not XXXX. I was originally told the home inspection could be waived, later told that was false. XXXX rehab department that works on behalf of CitiMortgage director is not allowing me to speak with CitiMortgage directly. I was advised by XXXX XXXX the director, I will be in default of my loan with CitiMortgage although my loan is no longer being serviced by CitiMortgage. 

The staff bullied me into agreeing to repairs they mandated were needed per the home inspection which were not true. The home inspection report does not list any issues with lead in the interior of the home. This will consist of the health and safety if the issue was identified in the property. 

The staff is not credentialed that are creating the scope of work and should not have forced these obligations upon me if the home was already approved by NJ. I am attaching the entire email thread of me trying to get this matter resolve with upper management. I also have emails from the beginning of this transaction. A licensed NJ contractor have advised on multiple occasions the required work is not needed. I also have had several other contractors who refused to work with XXXX due to terrible history of working with consumers and contractors. 

Thank you in advance for reviewing this matter. Please feel free to contact me at anytime regarding this matter. I have several email trails regarding this process from the very beginning. I am having severe anxiety due to this matter and would like it resolved.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: IL
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 appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$12000.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}

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 2020-12-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
then called American Express for a chargeback since I did not get my television. The representative took notes and opened a dispute. Yesterday XX/XX/2020 I received a letter from American Express stating that I was going to be rebilled for the charge, even though I dont have the item. American Express claimed that the merchandise was picked up and that theres a proper disclosure of all sales final. This is absolutely ridiculous because I NEVER received the item and I wasnt supposed to pick up the item it was supposed to be delivered to my residence. On the second page of the letter which is titled chargeback rebuttal info, it states that the customer ( me ) bought a tv and claimed it was broken. That is a LIE! I never received the item so how can I possibly claim its broken? I have been amember with American Express for four years and had no issue until now. This is really stressing my out because Im being charged for an item I never received and I have to pay during a time Im not working and theres a pandemic. This is very very unprofessional and disrespectful towards a very loyal customer that I have been for four years. Furthermore, American Express has changed their dispute resolution FOUR times and every time I call I get told a different date. First it was XX/XX/XXXX, then XX/XX/XXXX and finally XX/XX/2020. I called XX/XX/2020 and was told by the customer service rep XXXX that the dispute should be resolved by XX/XX/2020. I called on XX/XX/2020 and was told now that the resolution is expected by XX/XX/XXXX. How many times is American Express going to keep playing this childish games? They are doing all their effort to give the merchant the benefit of the doubt and giving them all the time in the world BUT were so quick to close the dispute against me with false XXXX. Also, on this call on XX/XX/2020 I requested to speak to a supervisor and was told that one would call be back in 24 hours. Its XX/XX/XXXX and havent received a call. American Express is an absolute disgrace and their disrespectful behavior towards a good standing customer is atrocious and unprofessional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX a company credit line with personal guaranteed. 
XXXX. Noticed by banker and Approved under equipments loan for {$500000.00}. 
- XX/XX/2018. My BOA profile shows funds, and subtracts spends till a check bounced. 
XXXX filed a complaint due to cant use funds. 

Till I received a bank letter shows my account been closed due to abused use accounts etc.. 


Without return in any funds! 


-

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 2019-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We opened a free online checking account through Bank of America to manage home improvement expenses ( XXXX ). At an arbitrary time, BoA changed their policy on this account without our knowledge and suddenly started charging fees on the account when the balance went below {$1500.00} after some home improvements ( XX/XX/XXXX ). After some time, we noticed a reduced balance on this account and inquired as to why with BoA. We were told we had let the balance drop below the now arbitrarily low limit of {$1500.00} ( note : we have approx $ 20k in  balances with this bank in other accounts, would have been no issue to transfer money to meet this limit ). When the money was transferred to our other accounts in preparation of closing this account, we received a low balance warning via email immediately. 

Bank of America claims we were given sufficient notice by the fee line item appearing on the statement. While the fee line item may have appeared on our statement, there was neither explanation once it was assessed presented in the statement nor was it shown to be linked directly to this account. Since we have multiple accounts, there was no clear way to discern how or why this charge was assessed without immediately filing a complaint. 

Furthermore, they demonstrated the capability of notifying us of a low balance by way of a notification email we received upon closure of the account telling us our balance was below {$25.00}. Since it is convenient for them forego notifying us as there was sufficient funds to remove money at will without risking an overdraft, we believe their process is flawed and predatory to the customer to inappropriately charge fees. 

After multiple attempts to resolve the issue, Bank of America is refusing to refund fees totaling {$160.00}. Their phone agent admitted the notification structure is not as thorough as it should be, but that they are within legal compliance. When asked if they are willing to sacrifice a 20 year banking relationship over {$160.00} in fees, the response was that there was nothing they could do. Bank of America has demonstrated that they are abusive and unwilling to work with their customers in this instance.

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 2023-06-19
Company: CITIBANK, N.A.
State: CT
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:
Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to 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 2023-01-10
Company: Experian Information Solutions Inc.
State: NY
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 u.s.c 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said accts  have violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 u.s.c 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without written instructions. 15 u.s.c 1681 c. ( 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 7 years. 15 u.s.c 1681 S-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 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 2022-10-13
Company: Experian Information Solutions Inc.
State: IL
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 am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal information that does not belong to me. I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureau blocks any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my report. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00}

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