BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NJ
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 U.S.C 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX {$42000.00} Account Number : XXXX Account Name : 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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank locked my checking account because of suspicious activity, I was supposed to receive a paper in the mail with a number to unlock my account which I have not received in 2 months.

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 2021-03-11
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I participated in a refinance application with my current lender in XX/XX/2020 who conducted a home appraisal for the process. When we realized they didn't have the product I needed, I transferred my application to Citibank. Citibank received all the necessary ( & requested ) paperwork but neglected to advance my file until my appraisal " expired ''. My loan officer advised a 2nd appraisal was just a formality and that the {$700.00} would be refunded to me upon closing. Citibank has been unable to close on the loan to date and I have been subjected long periods of time with ZERO communication/updates on application ( to the point where I had to BEG for an update ), my credit file also had to remain frozen/unchanged for almost 9 months while the application was " in process '' which cost me valuable opportunities ; opportunities which I needed to maintain secure finances during COVID. 

After exhaustive amount of patience and no results to show for the time invested, I have made several pleas to the bank 's branch manager and no longer wish to pursue partnership with Citibank and am requesting a return of all costs as no services were rendered.

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 2023-01-01
Company: Farrell Holdings, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is reporting that money is still owed on my vehicle loan. However, in XXXX of 2018, our XXXX XXXX was stolen from my husbands work parking lot. We had a police report, a claim in with XXXX XXXX XXXX XXXX, XXXX made it a total loss due to theft in XXXX of 2019. They paid the said company, {$6900.00}, per their XXXX day payoff. The title was given to XXXX XXXX and it was a closed claim and auto account. 
However, the company is reporting it as a charge of and that they are still owed for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: AMERICAN EXPRESS COMPANY
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:
I just pulled a copy of my credit report, I was shocked to discover that i had some unauthorized hard inquires and I do not know where they came from. I believe i am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of buying a home for my family and this is hurting my chances of being approved. Pleas remove the listed inquires that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been locked out of my Citi checking/savings account for several months now and the business refuses to help me gain access while continuing to charge me fees. The " security model '' is twisted. I know my online account login name and password. However, I do not know where my debit card is. Yet, validating my identity online to log in now requires me to provide my debit card number ( which I do not have because I do not know where it is ). 

I have attempted to contact the business via phone to regain access, however, they require I give them my debit card number ( which I don't have ) in order to help me regain access. The other alternative they provided was for me to give them my acccount number ( which I don't have because I'm locked out of my account which is set to paperless statements so I have no way of getting the account number ). 

They also refuse to issue me a replacement debit card even after providing them my birthdate and social security number. 

So when I call to get help over the phone, I'm routed to some call center in the XXXX that refuses to help me based on what I said above and they refuse to escalate my case to a manager because they " can't validate my identity ''. They said my only option was to go into a branch ( of which none are located within several XXXX miles of me ). If I try to search their website for a branch near me, there are literally XXXX search results. 

Meanwhile, they are assessing a monthly account maintenance fee for an account I can't even access. My only option was to write to them and ask them to reverse the fee and close my account. I sent this letter on XX/XX/XXXX and I've received no response to my letter but I received two more notices by mail. One saying they assessed another monthly maintenance fee ( bringing my account balance to - {$24.00} ) & another saying my account access has been restricted based on it being negative and them threatening to close my account and report it to the credit bureaus. 

But it wouldn't be negative if I had access to service it or even close it, but they won't allow me to do anything without a debit card and they won't replace my debit card because I don't know my account number. So this literally leaves me powerless to do anything about the situation.

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 2020-08-11
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:
On XX/XX/2020 I paid off my XXXX XXXX and XXXX XXXX XXXX   Transunion never updated it so I contacted the credit card companies who gave me specific dates on which they reported the three bureaus. XXXX and XXXX is reporting accurately. Transunion isnt. I disputed in XXXX the dispute came back as the information they reported was accurate. I then disputed again explaining that is not accurate information as well as the credit card company telling me they reported updated info to all three bureaus this is effecting my credit score tremendously. I have worked hard to get my credit score up because Im trying to purchase a new car but I have been unable to do so because TransUnions does reflect an accurate credit report or score. I have called and spoke with customer service reps who were rude and did not try to assist me with my issue. I just want my information corrected and to stay updated monthly like XXXX and XXXX  please help

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 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1 : XXXX states that my dispute relates to the exam. FALSE : my dispute relates to the course and poor quality thereof. Refer to the invoice. The exam is {$370.00}. The course is {$740.00}. 
2 : XXXX states that I sat for the exam. FALSE : I did not. Refer to the scheduling email + status of my certificates from XXXX. Emails also attached where XXXX  ( XXXX XXXX XXXX ) + XXXX  are confirming the poor quality. Webpage attached confirming XXXX is the author, with XXXX, of the course. 
FURTHERMORE : I am appalled at the horrible dispute experience : 1 : Only allowing my 3 days to respond ( received the letter today XXXX ; deadline XXXX ) is absurd. 
2 : Not allowing electronic uploads is ridiculous. 
3 : Having to find a fax machine or going to a BOA branch to fax during XXXX is beyond bizarre. 
5 : Having assertive language in the letter on the exhaustive need for documents and the implication that all are required is menacing. 
6 : Having the team that deals with these issues only available XXXX XXXX ET with a 3 day deadline in conjunction with the aforementioned is bizarre. 
7 : The card / account agreement and dispute rules / process are not available anywhere online. 
8 : The call center has a spoken message affirming that dispute documents electronic submittal is available through the online portal. 
9 : The call center staff and managers provide conflicting information and refuse to be of any assistance. 
10 : Not reviewing a merchant response ( I never disputed the exam ) and simply throwing it over the fence with all the aforementioned considered leads me to believe that BOA deliberately throws up barriers to its cardholders to the benefit of merchants in contradiction of BOAs code of ethics and code of conduct.

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 2020-08-11
Company: CBC Companies, Inc.
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:
Upon recently checking my credit report I discovered some unknown accounts. I've already sent out an FTC complaint and CFPB complaint as well. Please be advised I am disputing validation and proof of claim of the disputed debt requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but simply a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, US DEPT OF EDUCATION # 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 explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Address 's does not belong to me 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 XXXX XXXX XXXX XXXX XXXX Inquiries do not belong to me Dispute this 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen. I have not lived at my moms address since I was XXXX old and I told them it was identity theft and they are trying to tell me I played a party in the theft of that was the case I would not be trying to get it removed. They also tried to validate it with my moms address and send it to my new address as validation but the original creditor and address is not mines. That address was my mothers. It was a XXXX credit I played no part in due to the fact I sent them police report of the identity theft and they still dont want to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX employee " XXXX XXXXXXXX XXXX '' fraudulently utilized my PII ( Personal Identifiable Information ) to inquire credit in my name.

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: 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:
I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my 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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On Friday XXXX, I opened mail addressed to me ( my last name had a typo ) from Chase. Inside the mail, it contained a physical credit card ( Chase Freedom Unlimited visa ; my name was there but with the same typo as what is on the mail address ). The credit card listed the credit access line and cash access line, and the credit card had instructions to verify the card. It also included supplemental information, including cardmember agreement rates and fees table, Rewards, Guide to Benefits, Cardmember Agreement, and Personal Information summary. 

I plan to contact Chase to have them cancel this credit card/credit line, as well as report this as fraud. 

I did pull a credit report through XXXX, and I did note the following : -My full name was listed, but I saw an additional name with the same typo as what was on the Chase credit card -I saw 1 hard inquiry in XX/XX/2023 for JP Morgan ( Chase ) -I saw multiple soft inquiries for JP Morgan ( Chase ) I am also planning on contacting XXXX to dispute these inconsistencies in my credit report, as well as assess my options regarding a potential credit freeze. 

Therefore, based from what I saw on my credit report, and because I did not apply for a credit card through JP Morgan Chase, I believe that this is some form of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
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 XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received four emails on XX/XX/XXXX about a Wells Fargo deposit account application and the next steps, being approved, and given an access code. I receive a lot of scam emails and believed this was just another one. On XX/XX/XXXX I received an email from Wells Fargo saying they were going to close the account due to suspicion of fraud. I then called customer service and thats when it was confirmed that an account had been open. I did not open this account and Ive never banked with Wells Fargo. The customer service woman and man I spoke with was very helpful and apologetic. I was not given any information on account activity, however they did reassure me that they were taking the necessary steps to close the account and make their 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