BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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:
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 Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX : # XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX  ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

I was the victim of identity theft years ago and was unaware of the proper steps to take to rectify these issues and it has spiraled out of control and caused a multitude of financial setbacks in my life. I have notified and provided the creditors as well as the bureaus with documentation stating such in detail and they willfully remain negligent and noncompliant with the law and my rights under these laws and REFUSE to remove these fraudulent and inaccurate accounts and further more fail to do a proper investigation and fail to provide me with any documentation as to how these accounts belong to me when in fact THEY DON'T. I have also submitted numerous complaints with the CFPB as well as my states attorney general as well as disputed these items directly with the bureaus they are listed and as well with the creditors all of which decline to rectify the situation. I am submitting yet another complaint under a separate email in hopes my complaint will be heard and someone will follow through with holding these parties accountable in ensuring they report and maintain accurate and correct information only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Issue with Ctibank which services Macy 's credit card On XX/XX/23 I called in a payment to Citibank in the amount of {$6100.00} using a Citizens bank check. On XX/XX/23, I mailed the same check by Priority mail after learning from Citizens that the bank check could only be processed in a physical format. On XX/XX/23 my Macy 's online statement showed a return check charge for {$30.00}. I called Citbank and spoke with rep XXXX who adjusted the return check charge. On XX/XX/23 my Macy 's online statement showed a balance of - {$12000.00}. I called Citibank and spoke with rep XXXX, then supervisor XXXX, then mgr XXXX who all verified the physical check was received on XX/XX/23 and was cashed on XX/XX/23 but they would hold both my return check and the physical check until XX/XX/23. They charged both payments against my account and would not apply the payment until XX/XX/23.

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 2023-07-04
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had my capital one account frozen for over XXXX weeks. After verifying the transactions on my account that they said flagged it, nobody has reached back out to me. 

All my funds are frozen, Ive tried emailing and calling everyday but the bank has no update nor even a response for me. 


Ive verified every transaction and then they tell me theyre closing my account. 


My bank account says capital one your funds are currently not available for withdrawal I can not even go into a branch and withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$3000.00} in cash into a drive-up ATM at a Chase Bank branch in XXXX, Washington on XXXX  XX/XX/2022 XXXX pacific time. In the middle of my transaction, the ATM machine malfunction and rebooted. It then spit back out my card but no receipt was printed. I checked my balance and nothing show indicating the deposit I just made. I took pictures and a video of the ATM screen and then called customer service while still parked in front of it. They told me that their Claims department handles that type of issue but since it was after hours, they would not be open until XXXX eastern time and I would have to wait until then to call. I call the next morning, XX/XX/2022 at XXXX pacific time to file a claim. I gave them the exact time it happened and the increment of my deposit. I was told by the claims rep at that time that they should have it resolved my money should be available after 1-2 days. I patiently waited until XX/XX/2022 and nothing has been credited to my account, so I called the Claims department again. The rep I spoke to at that time kept giving me the run around and said that I just have to wait another 1-2 days. I then got a little upset and asked to speak to a supervisor. When the supervisor got on the line, he told me that since that ATM was service through an outside source, that it would take longer for them to investigate. Which made NO sense to me since it was their branchs drive up ATM. He told me that there was nothing he could do and I would just have to wait. I went to that branch when it open at XXXX pacific time. The branch manager tells me that they do not service the drive up ATMs only the ATMS inside the branch and that she can not help me and that I have to wait for their Claims department to handle it. It is now XXXX  XX/XX/2022, I tried calling the Claims department, again, to check on the status of my claim and was told to wait another 96 hours. 
I feel like they had just stolen {$3000.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I purchased a refrigerator from Home Depot using my store credit card that had a promotional interest rate of 0 % for 24 months on purchases of {$1900.00} or more before taxes and fees. My purchase met this requirement and I had qualified for the 0 % for 24 months and confirmed this rate at check out. I then set up automatic payments and paperless statements and kept my account in good standing. Knowing that the 24 months would be coming to an end this year I checked my account online to see how much I would owe on the last payment so that I would not have to pay interest. I then discovered my account balance seemed higher and then discovered there was an error and the 0 % was only applied for 12 months instead of XXXX. I then called the customer service number XXXX on XX/XX/XXXX and spoke with a customer service representative, their supervisor and their manager and explain the situation and told them I no longer cared about the promotional rate and asked that they reimburse the interest that should not have accrued in the first place until after 24 months. They told me that because it was 60 days past when the promotion expired they couldnt do anything but they could waive this months interest fee. When the accrued interest charge hit it was {$760.00} therefore I did not feel their offer of waiving around {$50.00} was adequate since this was an error with their system and not what was agreed upon when the purchase was made. The Home Depot credit card is through Citibank.

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 2022-02-08
Company: EQUIFAX, INC.
State: GA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MD
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: In progress
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: TX
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contested an account that is in collection with XXXX XXXX XXXX / XXXX XXXX. This account had been removed from my credit history a few years ago because I returned all equipment requested by XXXX XXXX XXXX / XXXX XXXX when I cancelled my service with them. Several months after returning the equipment, my account was placed in collection the first time. This was probably in XXXX. I contested the error as soon as I discovered it and the erroneous information was removed from my account. 

I recently discovered that this information appeared on my credit report again in XX/XX/XXXX and contested it again with Transunion. Since it had been removed once before, I assumed it would be a simple process to have it removed again. 
This time Transunion chose to keep the erroneous information on my credit report because the collection agency, XXXX XXXX, claimed the account was " IN COLLECTION ''. No other documents or information was provided to me from Transunion 's investigation. 

Neither XXXX XXXX XXXX / XXXX XXXX nor XXXX XXXX ever produced any documents or records showing that I failed to return the equipment in question. There are no notices from XXXX XXXX XXXX or bills showing that still owe them any money for any equipment. There are no records of emails or phone calls showing any attempt by XXXX XXXX XXXX / XXXX XXXX to notify me that they believed I was still in possession of any equipment. I don't know what XXXX XXXX XXXX did with the XXXX XXXX equipment once I returned it via XXXX, but the equipment was clearly in their possession. I should not be getting random collection notices and it should not be impacting my credit rating. 

Transunion failed to conduct any meaningful investigation into the factual basis for the claims made by XXXX XXXX. No supporting documentation was apparently provided. Consequently, there is no factual or legal basis for Transunion to continue to report this erroneous information. This is especially true in light of the fact that the false information had been previously removed from 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 2023-05-25
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I successfully withdrew {$1700.00} from this savings account to my personal checking. 

On XX/XX/2023, I tried withdrawing {$4000.00}. The amount was deducted from my available balance and shows on my account as " In Progress, '' has remained as such for over 10 days now. The account says withdrawals should take 1-3 business days, but this is taking much longer. 

On XX/XX/2023, I missed a call from Goldman Sachs. They didn't give any details except to call them back. I called them back later that day, and the agent couldn't tell me what the missed call was about. I asked about the {$4000.00} withdrawal still showing pending, and I was transferred 3 times over 30 minutes before I was told that they need to verify my identity before they can release the funds. They then said they couldn't send a verification PIN to my phone because their system says my phone is inactive, even though I'm currently speaking to them on that same phone. They said they'll submit an internal request to review the transaction and the call ended. 

On XX/XX/2023, I called support again. I was on the phone with them for 14 minutes, and then they dropped the call. I called again, was transferred yet again, and this time they said the withdrawal is on hold due to security review, even though I received no notice and it doesn't show as such on my end. Once again, they said they need to verify my identity via one-time phone PIN, and then said they can't because my number is inactive, even though - again - I'm calling on that same phone. I asked if there's any other way to verify and they said no. They said to call XXXX XXXX XXXX to make my number active, even though I'm literally speaking to them on the same phone, and have had no issues with one-time code messages in the past. Again, they said they'll have to do a manual review. They said it can take 24-48 hours, and they may decide to deny the withdrawal. 

Meanwhile there is nothing I can do, and presumably the money I withdrew isn't accumulating interest, nor do I have access to it, with no reasonable way to solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: CITIBANK, N.A.
State: MN
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:
Citi Bank card was set up for automatic monthly payments. The bank account information was changed to a new account in XXXX of XXXX, they took payments from the new account until XX/XX/2022 then they tried to take XXXX payment out of the old closed bank account. They have been calling XXXX  times a day XXXX  days a week since XXXX stating they can take to payments out of any account they want. My attorney has contacted them to correct the account and seize any further contact which as still not happened.

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 2023-02-26
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
I filed a complaint with the CFPB last year into Genesis FS Card services. After receiving a letter from the company in regards to my complaint, I as well as the CFPB was informed this information for XX/XX/XXXX would be corrected to show as on time as the missed payment was due to an acknowledged company fault. The company not only did not honor this, but they are now reporting 60 DAYS late to XXXX and remains 30 DAYS late to XXXX. XXXX remains accurate at a 100 % on time payment standing. I have tried disputing this with the credit bureaus and even provided the letter given to me as well as the CFPB, but the company still refuses to update, even after they agreed to. I am filing a second complaint with them and would like to request investigation by the CFPB not only for false reporting, but also fraud as the company has told the CFPB one thing, but is taking another. Furthermore, the company keeps deleting my email information and contact information, preventing me access to my online account to make payments and review my account history. This took place after my first complaint was made and continues. I have to call and have my account unlocked every month to make a payment as no other payment options are available. The keep telling me it is due to a website issue, however I have spoken to other card holders and this is not the case. When I questioned an employee, I was told this was due to my complaint. My next step is a class action lawsuit if the CFPB can not help me and the company refuses to fix the issue they caused. A scan of the letter sent by GENESIS FS CARD SERVICES has been attached. Screenshots of the reporting as of XX/XX/XXXX have been provided as well. T

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: ALLIANT CREDIT UNION
State: CO
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 XXXX Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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: Account information incorrect

Complaint:
I have written and sent XXXX certified letters to XXXX Bank regarding an incorrect missed payment report, but they have failed to take proper action. Despite disputing the inaccurate information with Experian, XXXX only added a false statement in the comments section that the missed payment was due to a natural disaster, rather than fixing the issue. 
I made a payment of {$250.00} on XX/XX/2022, and have enclosed proof of payment and bank statements that were sent to XXXX Bank. I have now disputed this for the fourth time with Experian and also with XXXX and XXXX. XXXX corrected my payment history with XXXX to reflect timely payments, but XXXX 's investigation is still ongoing. My main concern is with Experian, as they have not properly investigated the report despite being provided with the XX/XX/2022 payment amount and dates from my bank statement. 
This is the second time that XXXX Bank has reported a false missed payment on my account, which I have had to dispute. I have never faced such issues with other banks, only with XXXX Their refusal to correct the incorrect information and own their mistakes raises a major concern.

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 2023-07-20
Company: EQUIFAX, INC.
State: NE
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation