BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
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 ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 2021-06-21
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
- I opened a 12 mo CD with Marcus Goldman Sachs on XX/XX/2020 for XXXX - On XX/XX/XXXX I called Goldman Sachs to close the account and move the money back to my XXXXXXXX XXXX account - The customer service person and supervisor both told me that my CD that matured on XX/XX/XXXX was rolled into a new CD at a much lower rate and I would have to pay a penalty if I closed the CD and moved the funds back to my XXXX account - The penalty is over {$600.00} so I asked them to waive the penalty as I was unaware of the rollover to a new CD - XXXX GS siad they would not waive the fee - I wasn't informed of the automatic rollover to a new CD - I wasn't asked to accept the new CD rate - The language in the letter XXXX sent in XXXX does not clearly describe what we needed to do to keep the CD from rolling into a new CD or that there would be panalties with this new CD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
US Bank-Relia CardOn XXXX XXXX, I made a card to bank transfer. Ive called multiple times to have this issue investigated. Each time they said they would open an investigation, and did not do so. On Tuesday, XXXX XXXX, a rep finally opened up an investigation. When I called in today, I was given a trace number and told by the rep, that was all he could do. Then I requested a supervisor, XXXX came on the line. He was very rude, over talked me, and then sati made a transfer to the wrong account. After this, he stated that he could see where money had actually been transferred to the account in question. XXXX stated he could not give me information over the phone and suggested I call my bank. After calling my bank, for the third time and giving them the trace number, they still had no information regarding the transfer in question. When I called again to Relia Card, I was told by XXXX, from card holder services that I had to call US Bank. The rep from US Bank, stated the they lent their name to Relia Card and do not have any information about my card, and I do not have an account with them. Upon calling Relia Card again, the rep was rude and gave me the trace number again to call my bank, stating nothing else could be done by Relia Card. Im still {$2000.00}, the amount of the transfer, and they are refusing to provide any additional assistance. No investigation has taken place. This is very frustrating. This is my unemployment compensation and I need it. Hopefully, you can assist me with this.

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 2023-12-18
Company: EQUIFAX, INC.
State: NC
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 called all three companies, equifax, XXXX, XXXX  and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report. 
The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Dear Consumer Financial Protection Bureau Officers, Dear CITIBANK N.A. Management, Unfortunately I'm reaching out to you again for the recurrence of the issue I faced on my complaint XXXX. After 5 Months this issue is recurring causing a financial damage for me, unnecessary occupying of Financial Institutions manpower because of the lack of smart monitoring system. I'm a remote-employee for an XXXX company which remits my money on regular basis monthly via XXXX XXXX wire transfer. For some reason when my employer types my name in full : XXXX XXXX XXXX XXXX in a single line it triggers your intermediate bank risk assessment, However I've already gone through investigation from CITIBANK N.A. Having their reference number : XXXX. The issue now is coming up for my XXXXXXXX XXXX XXXX. The sender has remitted the money on XX/XX/2022 and now CITIBANK N.A. as an intermediary bank is holding the money and re-asking the same questions that was already provided not so long ago in the previous Investigation. Gratefully I was able to get the money on the previous incident after reaching out to your CFPB now I'm feeling sorry to re-engage CFPB in following up with CITIBANK N.A. 

Attached the XXXX XXXXXXXX Message for my current issue. 

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 2023-01-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I uploaded all documentation of my current address and I called 3 times each time the reps assured me that they are attaching the docs and it will be updated, they even wrote on XXXX of the outcomes that the address change requested was updated. 
Now since my address got off my report ( a few months ago ) I can not obtain a credit report for my mortgage lender... I am XXXX! 

I tried 3 times as mentioned I hope they will help me now

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 2022-11-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has removed 43 inquiries and collection accounts from my credit report. Yet my score appears to have remained the same lower score as previously reported prior to the 43 changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Midwest Fidelity Services, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sure, I can help you rephrase your complaint for the CFPB. Here 's a possible rewrite : I received an unsolicited text message this morning from a debt collection agency, Midwest Fidelity Services , LLC, which is in violation of both XXXX 's Forbidden Message Categories for SMS and XXXX in the XXXX and XXXX and the law against unsolicited text messages. The message was sent from the XXXX number XXXX and stated, " This is Midwest Fidelity Services , LLC please contact one of our reps at XXXX https : XXXX https : //mfseportal.com/knowurrights STOP to STOP ''. 

I did not provide prior consent or opt in to receive such messages. As a consumer, I am concerned about the security of my personal information and the potential harm that can result from fraudulent debt collection attempts. Therefore, I would like to file a complaint and bring this matter to your attention. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi I want to file a complaint against Capital one credit card, on XX/XX/2021 I bought a ticket to flight to XXXX using my rewards miles with my pocket money, I suppose to flight on XX/XX/XXXX, but I canceled because of corona virus, 3 weeks before my flight i tried to canceled i went throw so frustration process calling every day waiting 2 hrs. until speak with some one transfer me waiting another hour speak for 5 minutes or nobody speak at all disconnect me trying to calling back this number doesn't accept call back that is a message I ve been told, never calling me back! leave my problem unsolved, again afternoon 2 hrs. waiting speak with some one transfer me to travel center tell me different story proms me to solve my issue, same process disconnecting no solving my issue! doing that for 3 weeks talk to 20 people every body telling me different things to convivence me, after a week pass my due day flight in same frustration process told me wait until we speak with XXXX XXXX, after 2 more weeks finally i saw my pocket money back, but never saw my rewards miles which is XXXX miles back, today is XX/XX/XXXX I am on hold now waiting two hrs. they just lying i don't know how they are in business still, please some one solve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
XXXX XXXX XXXX is reporting a account on my credit report that does dont belongs to me this is identity theft. account number XXXX need to remove from my consumer file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

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 2021-06-19
Company: National Credit Systems,Inc.
State: NH
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 owned and lived in my own home for 27 years. I have never heard of this company. After the shock of seeing this on my reporter, I tracked down this company and learned it is notorious for filing false credit claims and then shaking down the victim for money to remove it. What a sore lack of integrity on the credit bureaus for allowing such a corrupt and transparent scheme. This company has has apparently been the subject of multiple lawsuits and have included links below to some of the sundry of complaints against them that date back several years. This is an absolute egregious violation of the FCRA and it's outrageous. I demand this claim immediately be removed and that this complaint along with its attachments is immediately posted in this matter. XXXX removed it ( I think ). XXXX claims they verified it. There's absolutely no way this account/claim could have been verified! It's false. I have not applied for any credit for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and XXXX which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the Experian report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my Experian report and a copy of XXXX and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

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 2023-08-16
Company: EQUIFAX, INC.
State: CA
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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: Account status incorrect

Complaint:
I write to dispute the status of my XXXX XXXX XXXX XXXX XXXX credit card account which has been Closed BY Consumer requiring instantaneous and prompt mid cycle reporting as Closed By Consumer using the Metro 2 protocols for reporting Closed accounts. Since the account is inaccurately reported as OPEN, kindly investigate so that the account may be accurately reported as Closed By Consumer to avoid willful violations of the FCRA carrying {$1000.00} in statutory damages. Please send me an updated credit report by XXXX upon completion of your investigation.

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 2021-06-19
Company: LEXISNEXIS
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XXXX I have had some issues with someone accessing my credit file and using mypersonal information and at this time I would like to request a credit freeze/ Block all accessto my file and contact me directly at my phone XXXX or email me XXXX. I need a PIN for all my credit reports asap. 
I found some incorrectaccounts that are listed wrong on my credit file : 1.XXXX XXXX XXXX XXXX XXXX, I have never filed a Chapter XXXX or XXXX bankruptcy. 
2.XXXX XXXX XXXX  XXXX # XXXX 3XXXX # XXXX 4XXXX # XXXX 5XXXX XXXX # XXXX 6XXXX # XXXX 7XXXX XXXX # XXXX8.XXXX XXXX  XXXX # XXXX 9XXXX XXXX  # XXXX THERE ARESEVERAL ADDRESSES THAT DO NOT BELONG TO ME ON MY CREDIT FILE PLEASEDELETE THEY ARE NOT CORRECT : XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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:
As a Federally Protected Consumer Pursuant 15 USC 1601, I have made several attempts demanding that this company XXXX  XXXX DELETE ( and the other CRAs ) an account from XXXX  that I did not give consent to be furnished. I have asked them to verify the debt and XXXX response is that they have verified the account as mine. I have asked them to show proof of verification via penalty to perjury and they have yet to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All of my credit card accounts were abruptly closed by Chase for an unknown reason and with no explanation. I have never been late on any promised payment schedule and have paid all of the accounts off except one that has a small balance and all payments are current with that. My complaint is ; Chase has turned into a bully and has reported that they closed all the accounts ( that is fine ) and then falsely reported that the accounts were settled for a lower amount. ( THIS IS FALSE! ) Chase is also claiming my credit score went down and posted a fake score of XXXX on their " credit journey '' using a score supposedly from XXXX XXXX  website. When I check my score with the XXXX XXXX website my score is XXXX. 

( From Chase ) - '' Settlement XXXX XXXX  It looks like your XXXX XXXX account was either settled on XX/XX/2021 for less than the balance or closed because you haven't used it in awhile. '' I have had a perfect payment history with Chase and for reasons that I don't know ; my accounts are closed and I am fine with that but I demand they remove ANY damaging reports regarding my previous accounts and update ALL THREE BUREAUS accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, INC.
State: NY
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation