BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I had a transaction of XXXX from a third party trading company that was supposed to be deposited into my cash app account but it never showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been dealing with Bank of America on a daily basis regarding charges to my account that were not made by us. This started in XXXX that I noticed things were getting tight and my mortgage amount of {$1100.00} kicked out as insufficient funds which didnt make sense to me but ok something cleared that I wasnt aware of so I had my sister send me via XXXX XXXX amount {$110000.00} and I had XXXX XXXX try again a I had spoken to the company directly and they said it took and gave me a confirmation number and I thought we were ok but till now I still see them sending it back. Through numerous emails and calls I was really upset.I touch base with Bank of America again in writing now XXXX was approaching. And I was panicking as some of my written payments to other companies were kicking out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment on my XXXX XXXX  for credit cards for XXXX  and I could not pay my car payment or my car insurance which has now closed me out and cancelled my policy. So I get paid by Social security on the XXXX Wednesday gon na get my self redo. I went to the bank on the morning of XX/XX/XXXX and withdrew {$1100.00} and carried the cash over to XXXX XXXX  and they excepted it for XXXX and I can seem to get any help. 
I contacted the bank again and discussed what could the problem be.?? 
I got no results I have been sick over this. In XX/XX/XXXX my husbands check hit our account for XXXX as a positive number. I took a nap and when I check my account it was now negative - {$1800.00}?? I have been asking how can they do this use the XXXX XXXX check and allow that many charges in one day?? '

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 monetary relief
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I co signed on this car with my ex with XXXX. My ex defaulted car got repoed. I made an offer to settle the debt that was owed after auction for {$3000.00}. They accepted that term and was suppose to update my report to " charged off settled '' status. They have yet to do that they keep reporting it as open with a pass due balance of 7000 something dollars I have emailed and called them several times and they keep giving me the run around while they continue to ruin my credit. I have two letters one where they accepted my agreement and the 2nd one where it shows I paid it and that they will update it to charged off settled. I paid this debt XX/XX/XXXX. When I dispute it they send the same wrong info to the credit reporting agency.

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 2023-09-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is for equipment that is obsolete for XXXX that was stolen while in the box put out for XXXX and was so far back it should not even be on the collections anymore not to mention I never entered into any contract with XXXX. XXXX. It was removed from my credit reports but XXXX continues to allow it to stay for some reason.

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: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have submitted my remittance coupon to the credit card company according to UCC 3-603, Tender of Payment, and they have refused it and have not returned the coupon to me either which would mean that the coupon was accepted by them and the debt is now discharged and I should have access to use my credit card. This is discrimination toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I'm a Citi bank credit card holder for many years. On XX/XX/2021, I received the invitation to apply for the Citi gold checking account through Citi bank online banking. Since I just sold my house, so I decided to open the Citi gold and deposit XXXX. 
I received the debit card after a week, I went to a Citi bank branch to make a deposit. The teller told me my account was closed and I would receive a letter later. 
I finally got the letter today, the only thing mentioned in the letter is : Based on your previous Citibank application/or Citibank account activity, we are unable to approve any current or future applications. I call the number on the letter since I want to figure out what is my previous activity lead to the close of my account. I call the New Account Serving, they transferred me to the fraud department, and the fraud department transferred me to another department. I spent one hour and I had been transferred 4 times. Nobody would like to help me out. I'm so disappointed with Citi Bank Customer Service. 
I have 5 Citi bank credit cards for many years, and they sent me the invitation to apply the Citi gold checking through my online bank, the turnout is they shut down the new checking account for no reason.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent certified letters to XXXX XXXX and Transunion on XX/XX/XXXX, explaining that I had noticed unknown/unauthorized accounts on my credit report. Also, I have several inquires that are not authorized. Each company failed to verify and/or send me proper documentation which means they are in violation of my rights. 
1. XXXX XXXX XXXX {$580.00} 2. XXXX XXXX XXXX {$200.00} 3XXXX XXXX XXXX {$490.00} 4. XXXX-showing as a charge off to XXXX XXXX XXXX 5. XXXX XXXX {$390.00}. This was proven not to be my account and removed from Transunion and XXXX yet still remains on my XXXX. 
Inquires not authorized 1.XXXXXXXX XXXX XXXXXXXX 2.XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XX/XX/XXXX AND XX/XX/XXXX 5.XXXX XXXX XXXXXX/XX/XXXX 6 . XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXXXX AND XX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/XXXX AND XX/XX/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 2022-10-12
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: SANTANDER HOLDINGS USA, 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: Old information reappears or never goes away

Complaint:
I have a Delinquent Account from Santander Bank from a car loan. 
The Delinquent report is over XXXX years old and should have been removed from my credit report. Santander Bank recently reported a derogatory mark on my credit report two times. One dated XX/XX/XXXX, and another dated for XX/XX/XXXX. These reports are false and INCORRECT. 
The account I had with Santander was open in XX/XX/XXXX OVER 7 YEARS AGO. The recent derogatory marks they are reporting is incorrect and have impacted my credit drastically. For that reason I have been denied Housing and other necessities. I am 7 months pregnant and need to find housing and I was recently denied housing because of this delinquent report from Santander. The Derogatory mark shows as if I have had a recent repossession or voluntary surrender which is FALSE and is affecting my ability to obtain housing. Below I attached the report I received from an Housing company that denied me for this Delinquent remark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I received an email through my XXXX  email account at XXXX XXXX  XXXX University asking if I wanted to be a secret shopper. Upon responding affirmatively to the email I was sent a letter in the mail that had instructions for me to go to a local XXXX store to buy two gift cards in the amount of {$1300.00} each. The  envelope also contained a cashiers check in the amount of {$2900.00}. The remainder of the funds was supposed to be my " salary '' for doing the secret shopper " job ''. I took the check to my bank ( Chase ) and deposited it in my checking account. They cleared the check and made the funds available in my account. Once that happened I went to the XXXX store to purchase the gift cards. The letter then instructed me to send a text with the codes on the back of the gift cards to XXXX. A couple of days later I was informed by my bank that the cashiers check had now bounced and they demanded the funds. The gift card values have been used by whomever I sent the text to ; and I'm out the entire amount of {$2600.00} ( {$2900.00} - my anticipated salary ). 

Today I went to my Chase branch to explain what happened and that I was a victim of XXXX. They refused to assist me with the loss of funds. I then called the bank where the cashiers check came from and they confirmed that the check is a counterfeit check. I'm asking for assistance in influencing Chase Bank to restore these funds to my account immediately. I'm a college student and the funds I had to use to cover this shortage are my scholarship tuition money. The cashiers check was " from '' XXXX XXXX XXXX XXXX XXXX  ; the Remitter was XXXX XXXX. The check number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NJ
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Sessoms & Rogers, P.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from XXXX XXXX XXXX against me. I want to payoff this judgment through the mortgage loan. I first contacted XXXX XXXX XXXX for the payoff at XXXX. They advised me that the account is now being serviced by Sessoms and Rogers and to call phone number XXXX. I have contacted Sessoms and Rogers over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the XXXX XXXX they say they can not do anything but refer it to Sessoms and Rogers who is now handling the account. When I call Sessoms and Rogers they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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: Their investigation did not fix an error on your report

Complaint:
I have submitted several dispute with experian, XXXX and XXXX for a medical bill reporting on my credit report, and also my mortgage company XXXX  - XXXX  reporting inaccurate missed payments. I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in 2019. I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
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: Information belongs to someone else

Complaint:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
CHILDSUPPORT XXXX XXXX : {$12000.00}

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 2023-10-24
Company: EQUIFAX, INC.
State: TX
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:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XXXX I paid {$100.00} from my checking account to my PayPal card. It cleared my bank on XXXX. As of today, XXXX, PayPal still has my money pending. According to them, it should have posted on XXXX, then they changed it to XXXX! My money is still not available to me as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: SYNCHRONY FINANCIAL
State: NY
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 opened my verizon visa by synchrony bank to pay both my cable and cell phone bills from verizon. They gave me the hard time to even activate my card, asked me to make a short video of myself and wave my ID while doing it, which is very degrading. At the end I found a way to activate my verizon visa card without going through all that ridiculous process like most other cards do just call a number and will be activated automatically. I finally was able to add the card into my phone and cable bills and set up auto pay on it. Everything was fine until I decided to add the card to my XXXX XXXX Here you go again they made me go through the ridiculous process I mentioned earlier, which I told them it was their loss so I declined. Here comes the problem their fraud department locked my account and I can't use card. My bills autopay did not go through. I called again today XX/XX/XXXX and they said they sent a code via USPS mail since XX/XX/XXXX spoke with customer service who said this. We have USPS confirmed delivery digest which shows all incoming mail. It has not arrived as of XX/XX/XXXX. They will not try to compensate this and refuse to expedite the mail and can not even guarantee anything. This is a bad practice from their parts. They can not forced me to add my card to XXXX XXXX if I declined to go through the ridiculous process they asked me and locked my card and assumed I am a fraud? I have not done anything wrong to deserve this. I have excellent credit and they have the worst customer service ever. They have no reason to lock my account just because I refused to be inconvenienced. They're the worst. I am not the only one but talking to their reps if you're lucky to get someone with good phone connection who actually lives in XXXX and speaks and understand english well. They outsourced from overseas like XXXX or somewhere else which is fine but they only transfer me multiple times just to disconnect me at the end. It was horrible. They need to treat their customers with respect.

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, 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. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract. 

15 USC 1681 section 602 A, 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 an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 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