BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And all soft and hard inquiries removed aswell thanks. 
15 u.s.c1681 602 A right to privacy 15 u.s.c 1681604 A agency can not furnish a account without my written instruction.

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 2020-02-05
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Citi Executive Response Unit : This letter serves as to bring to your attention the following concern. On XX/XX/20 I received notification from your company via e-mail that I had a ( notice of insufficient/unavailable funds ) for my viewing. I proceeded to log in@online.citi.com, & clicked on the Services tab. From there I went to Statements & Documents, and then to View E. Communications, and then to Notices & Letters. Here was correspondence from your company dated XX/XX/20 ( see attachment ). This correspondence indicated that it required action on my part. 

My concern is that the correspondence in question does not belong to me at all. It is for an account named XXXX XXXX XXXX with account number ending in XXXX. How is it possible that such a document would end up in my Citi online profile? This is alarming to me as a consumer because of identity theft. It made me wonder if my information was somehow given to another one of your customers as well. Please review this matter as it is very alarming and a dangerous practice for your company to take part in. 

On XX/XX/20 I contacted your customer service department @ phone number XXXX and spoke to a person whom indicated that she was an Online Supervisor. Her name was XXXX and she indicated that she was based out of a call center in the XXXX. XXXX indicated that she would submit my concern to the correct place and someone from your establishment would give me a return call by XX/XX/20 about the matter.

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 2020-02-13
Company: Factor Trust
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXXXXXX   INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Clarity Services
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXXXXXX   INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions 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 hope this letter finds you well. I am writing to formally file a complaint concerning the presence of fraudulent items associated with my account/profile. It has come to my attention that unauthorized and fraudulent items are currently associated with my account, and I am deeply concerned about the potential impact on my financial and personal well-being. 

The fraudulent items in question include [ provide a detailed description of the fraudulent items, such as unauthorized transactions, false information. Enclosed with this letter, you will find supporting documentation to substantiate the validity of my complaint. 

I would like to express my disappointment and concern regarding the following matters : It has come to my attention that unauthorized transactions [ or other specific fraudulent activities ] have occurred on my account. This not only poses a serious threat to my financial security but also raises questions about the integrity of your platform/system. 

The presence of these fraudulent items suggests a potential security breach, and I am deeply troubled by the possibility that my personal information may have been compromised. I request a thorough investigation into how this breach occurred to prevent future incidents and to protect the security of all users. 

Given the sensitive nature of this matter, I expect a swift and effective resolution to remove the fraudulent items from my account. Timely action is crucial in mitigating any further damage and restoring my confidence in your platform. 

I understand that your company takes matters of fraud seriously, and I trust that you will handle this complaint with the urgency and diligence it deserves. I kindly request regular updates on the progress of the investigation and the actions being taken to address this issue. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, Goldman Sachs ( Apple Credit Card ) is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contacted their customer service department on a recorded phone on XX/XX/XXXX. The Apple card support team told me they have no knowledge of the Credit protection statute associated with COVID-19, in which no delinquency can be reported to the following credit agencies below until 120 days after the Pandemic ended, which was XX/XX/XXXX. In addition, accounts can be modified based on the impact on consumers. I was never late on this account prior to being laid off. I paid each as long as could until my unemployment benefits ran out. 

APPLE CARD/ GS BANK USA XXXX Account # XXXX Date of Contact : XX/XX/XXXX Credit Limit : {$4500.00} NEVER /LATE to Start Date of Covid-19 ( XX/XX/XXXX ) Report : Late - XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want to dispute my phone bill debt because I was told once I went to another phone company I didnt have to pay the remaining balance due to the company was going to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2022-12-13
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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Citibank XXXX XXXX and XXXX XXXX credit cards of mine were paid off and I called to have both accounts closed. XXXX for both XXXX XXXX XXXX XXXX XXXX XXXX  credit cards did not close the accounts. About 2 years later, someone committed fraud and maxed out the cards. Both XXXX XXXX and XXXX XXXX refused to provide me help. I made several calls to cancel these accounts, and after every call to cancel, I would receive yet another NEW credit card in the mail and have to call again to cancel it and ask why they keep sending me new cards when I cancel the accounts. Citibank has let thousands of dollars in interest compound into a debt far passed the cards ' legal limits. It appears they then sent the sums of debt to debt collection agencies that call non-stop.I don't know what to do. I will never shop at XXXX XXXX XXXX or XXXX XXXX again, and I refuse to ever use Citibank for anything again. Absolute crooks.

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 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received notice that my bank account had been closed and put under investigation for a bounced check from a representative over the phone. I later called 15 days later because he stated that my funds would be mailed to me. The lady I spoke with that day stated that it was suspicious activity on the account which is why it was put on hold. I explained to them over the phone and via message center that the money from this check that they speak of was never deposited into my account. The amount that was sent to me was XXXX in all from another navy federal member and it was sent member to member via app so there was no reason for my account to be under investigation and they could take that money back but I needed access to my funds for business purposes. They proceeded to ask about deposits that came directly from my merchant which had nothing to do with the actual situation but I still explained to them. They then went on to tell me about how my XXXX isnt used for that. I explained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They asked for paperwork to prove that and I submitted as requested. The forms I submitted were forms from the city of XXXX for my XXXX, my agreement with XXXX XXXX XXXX XXXX XXXX  ) and another form stating they are the institution that sends payments from their other business name since it doesnt show up as XXXX payments but instead XXXX payment. They closed my account yet the user who sent the funds to me still has their account. I asked them about it and asked if they could just release my funds that were already in my business and personal account which was around XXXX total. They said no and the lady also said that there is no time frame on the investigation and that they get to it in the order they receive them. It has been months and they will not give me the slightest update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: EQUIFAX, 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 have all these collections and inquiries on my reports and theyre saying theyre verified I have my identity completely stolen I have file with FBI local police and Internet crimes theyre believing these people who say I owe and I dont and why would I intentionally put 75 inquiries on my own credit report?? I dont have any bills they even wipes out my medical records

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$940.00} XX/XX/2018 15 U.S.C , 1681section 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 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 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 explanation
Consumer complaint received 2023-11-16
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, a fraudulent charge was made at a grocery store. Immediately following the charge, I filed a dispute. The dispute was denied as claiming that my debit card was used. I however have never made the {$340.00} purchase and I always had the debit card in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX CAPITAL XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act XXXX Account # 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

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