BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from XXXX yesterday XX/XX/ and again on XX/XX/2023 that Credit Collections Services applied {$93.00} to my credit report with no account number or information to contact them. I looked them up on XXXX and called them today XX/XX/ and spoke with XXXX XXXX. I explained to him this is not my debt as I have Car Insurance with another company and I have had it now for two years. XXXX gave the information he had which was the incorrect phone number and address that he had that supposedly belonged to me. This account was bought and sold to them and that's the information he stated he had from XXXX. XXXX proceeded to tell me I needed to let my debt collectors know my correct information. I told XXXX again not my debt and please have it removed or I would be filing a complaint because this debt was not validated and not mines and had I been contacted prior to this being put on my credit report since it was assigned to them in XXXX and it is now XXXX this incorrect and invalid information being put on my report could've been avoided. He again stated he called a XXXX telephone number which is not my number and the number I have I have had for over 2 years. He refused to have it removed and told me to go ahead and fie this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged by SONY entertainment for a renewing membership of something I no longer use. The card they used expired in 2019 and doesnt even have the correct address information. They refused to help me when I reached out. I contacted XXXX ( the financial institution of said card ) and they refused to help claiming the merchant does not need accurate up to date information to charge me. How does that make sense? How are we so backwards that a company may charge my card when the information I had originally given them clearly listed 2019 as the expiration of said card. Even on their own website it says EXPIRED in bold red letters. XXXX refused to help me as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report with transunion to delete all inaccurate information that is hindering my file. this has been an on going issue that needs to be resolved. please review an delete all information listed.

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 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited {$60.00} cash into a Bank of America atm machine on XX/XX/22. Something happened with the atm I dont know if the money got stuck, but it said there was an error and I needed to call a number on the machine. It asked me how much was I depositing I typed in {$60.00}. The cash never came back out of the machine. When I checked my account the {$60.00} was there so I didnt call the bank to file a complaint. On XX/XX/22 I received a letter from Bank of America saying that it was a funds shortage on my deposit and they deducted {$50.00} from my bank account. I called to bank on XX/XX/22 and spoke to someone who said he made a claim on my behalf to get the money refunded. I waited 2 days and there was no evidence of a claim filed and I never got an email confirmation from the bank. I checked my online account and nothing showed a transaction dispute had been filed by customer service. I called on XX/XX/22 and talked to XXXX different people about my issue nobody could help me. They kept transferring me to different people and giving me different numbers to call. I have been a Bank of America customer for 23 years and Ive never had a problem like this luckily it was only {$50.00} that they took. I deposited more money like a week later with no issues. I just want my money refunded and Bank of America should have done a full investigation of the atm or branch before taking money from my 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 monetary relief
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report I seen multiple accounts, auto loans, and fraudulent apartments created in my name that I am not responsible for. I am trying to buy a home and automobile vehicle and this is gendering my credit.

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 2023-05-05
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:
The 3 credit bureaus have incorrectly and negligently continually report fraudulent accounts on my report FOR YEARS AND HAVE DESTROYED MY CREDIT FOR YEARS! Now it has HINDERED ME FROM GETTING EQUITY LINE! ITS ABSOLUTELY SO EGREGIOUS CONSIDERING THE CREDIT BUREAUS HAVE BREACHED MY PERSONAL DATA SEVERAL TIMES INCLUDING XXXX BREACH 2017. I DISPUTE ERFORS THAT THEY HAVE NOT VERIFIED THE VALIDITY OF THE ACCOUNTS! I ASKED SEVERAL TIMES FOR ORIGINAL VERIFICATION OF ACCOUNTS BECAUSE THEIR ARE SEVERAL DISCREPANCIES AND STILL HAVE NOT REMOVED THE ACCOUNT. IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT THEY HAVE VIOLATED MY RIGHTS MULTIPLE TIMES FOR YEARS AND DESTROYED MY CREDIT OVER THE LAST 6,7 years or so! THIS MYST BE RECTIFIED ASAP! THEIR MUST BE ACCOUNTABILITY WITH THE 3 CREDIT BUREAUS! XXXX, TRANSUNION, 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 2023-05-10
Company: BARCLAYS BANK DELAWARE
State: OR
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:
XXXX XXXX XXXXWhen making a payment for my monthly credit card statement, their system credited the payment twice. Called company when noticed, 2 hours later, which they said was too late to do anything about that day. Called supervisor the next day, was told theyd credit and also pay back any overdraft fees. 8 days later, payment isnt credited and theyre now saying 30-60 days to get it back to me. They took 2 {$3000.00} payments out of my account. I had to borrow the money to make sure it didnt overdraw my account..didnt believe theyd take care of the fees as they said. Now, I dont have any money to pay any of my monthly bills. Why would it take 30-60 days to resolve an issue their system caused??

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Just recently found out my social security number address phone number was all found on the XXXX web so it gave me terrible credit reports.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a fraudulent account on my credit report from citizens pay off credit for {$2.00}. I didnt apply for this credit or line of credit. I have attached the police report and FTC email after I filed a fraud complaint with the government. 

Also I have inquiries that I didnt make XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 / XXXX XXXX  XXXX XXXX XXXX XXXX  - XX/XX/2023. XXXX - XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-05-12
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Home Depot account was opened in my name and saying I owe them. I never opened a Recent account with them. I only have one Home Depot card and it is {$0.00} balance. I tried to dispute it with citi bank and they said its my fault I owe them and I told them. To close this account. I called XXXX and filed a dispute. They said I need to file a complaint with you. XX/XX/2023 card was opened and balance {$940.00} is owing.

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 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Account was frozen because of fraudulent activity. I filed a claim and was told the funds would be available to transfer or withdraw while we wait on the investigation. Once funds were available I continued to call and get sent to different departments only to tell me we could not remove the funds. Another claim was made because the investigation is causing a financial burden and then I was told I was denied. It has been a month since the investigation claim has been made and we still can not access the funds that are deposited to the account. It is causing a significant financial burden on myself and my family.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX  XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$6000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$500.00} XXXX  XXXX XXXX {$500.00} XXXX  XXXX Collection {$300.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$300.00} XXXX XXXX XXXX Charge-off {$240.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} Federal XXXX Bankruptcy {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXXXXXX XXXX  Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00}

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 2023-04-11
Company: EQUIFAX, INC.
State: MA
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'm a victim of identity theft. Somebody open a auto loan under my name without my conscent. That happened in XXXX I already went to the police and filed a identity theft in the website..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: WA
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 sent a certified letter explaining there are incorrect information on my credit report and would like it removed. I looked at my credit report and noticed the wrong addresses are still showing up. its addresses on m credit that I have never lived at. I am hoping all 3 credit Bureau XXXX, XXXX, EQUIFAX fix the problem and remove inaccurate information of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, the consumer and natural person, applied for a line of credit on XX/XX/XXXX. I was wrongfully denied credit by Citibank N.A. when I applied for Costco Credit Card. 
I, ( lowercase name )  Agent here on behalf of ( upper case name ) Principal hereby accept all titles, rights, credit, interest and equity owed to the ( uppercase name ) Principal. 

Regardless of the reason for denial, I have the RIGHT to credit. 15 USC 1691 ( D ) ( E ) Withholding my access to my securities is securities FRAUD. Federal Reserve Act section 16 ( 1 ) & ( 2 ) I have recorded multiple Citibank supervisors & managers from the consumer credit department admitting to violating the Equal Credit Opportunity Act by way of Discrimination. Without Equality there is Discrimination! 

Meaning a person with a XXXX credit score shall be given equal opportunity to credit as another person with a XXXX credit score. 

Citi bank is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying me access to my credit. 

Other Violations Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k.

You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by Citibank due to the response I received.

Citibank is in violation of 15 U.S.C. 1642, U.S.C. 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used on an application, turning it into SECURED COLLATERAL which is PREPAYMENT of credit and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Citibank N.A. Which is also SECURITIES FRAUD I am demanding Citibank release my collateral security for Best Buy & Costco cards in the amount of {$15000.00} each! And mail out my credit cards to me within 7 business days. Also provide Costco the approval code for my immediate use.

If Citibank fails to make any reasonable procedures to resolve this matter within 5 days of receiving this letter and approve me for the use of my credit card I will indeed make Citigroup N.A. criminally and civilly liable for ALL actual damages pursue it to 15 USC 1681n and 15 USC 1681o.

Including REVOKING ALL SECURITY INTEREST FROM CITIBANK N.A.

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 2023-07-07
Company: BLINCLOANS, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Im trying today this loan off and have sent them 3 checks. Last check sent was delivered by XXXX XX/XX/2023 and was certified funds in a cashiers check from XXXX XXXX XXXX XXXX. Total amount of check is {$4000.00}. Which is pay off loan however they are failing to post it and close my account. They are now emailing me threatening adverse actions to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 60 days. I feel as though im being used and that my complaints are being ignored. It has been over 60 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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

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 2023-08-05
Company: LEXISNEXIS
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:
I have reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

Company response to consumer: Closed with non-monetary relief