BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: WELLS FARGO & COMPANY
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2017-05-03
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On  XXXX   XXXX , I checked into the  XXXX   XXXX   XXXX  in  XXXX , GA. I was attending a   XXXX    regional meeting. The hotel charges were charged to, and paid by, the  XXXX   XXXX .     When I checked in,  XXXX  put a {$25.00} hold on a credit card issued by CitiBank.  XXXX  released the hold on  XXXX   XXXX .  Citi  refuses to take the hold off my card. They have told me their policy is to keep the hold on for 30 days.     I do n't owe  XXXX  any money.  XXXX  does n't claim I owe them any money.  Citi  has no valid business reason to keep the hold on. I have a credit limit. That credit limit is fully secured. Citi is at no risk, so they have no reason to maintain the hold. I would like it released.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please HELP! 

I have been trying to reach someone at XXXX for a month now. I have send certified mail with a return confirmation receipt and yet to receive it. I have asked where did they get my public information from they have yet to provide me with a response. I have mailed them a letter from the courts stating that the US Bankruptcy court does not report to the credit bureau. I have mailed them a letter stating that I never gave them any consent to report any of my information and yet to receive any help. To report a item on a consumer credit report you have to have consent. XXXX has yet to provide me with any type of documentation where I authorize my concern to report anything to the XXXX major credit bureau. It really unlawful how they continue to report a public record that I never gave them permission to do so.

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 2017-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 live in  XXXX   XXXX   XXXX  and I have a Visa credit card with Bank of America that I only use in the USA and they can verify mi card has not been used before outside the USA. On the      XXXX   XXXX   XXXX        I entered the online banking account and I noticed  two  charges on my credit card which I do n't recognized. The  two  charges appeared on the bank page to had beed made on the   XXXX   XXXX   XXXX    2017  and I called the bank to report a fraud on the   XXXX   XXXX   XXXX      2017 . This were for {$5200.00} and {$5000.00}. The bank says the chip on my card was read for this transaction and that is not possible since my car is always kept in my safe box and I only take it out when I travel to the USA. Im completely sure that no one had access to my card. I requested a copy on the vouchers for this transactions and I finally received them yesterday, and verified that the signature on this vouchers are not my signature and are very different from the signature I have registered at the bank, also the personal ID number on the voucher is not mine either. In the vouchers the transactions appeared to be made on the    XXXX   XXXX   XXXX   XXXX   XXXX       2017  and now on the online bank page they are both dated on the   XXXX   XXXX   XXXX     and not on the   XXXX   XXXX   XXXX   as I saw for the firs time. Considering the amount on this transactions the merchant must have requested a valid ID at the moment of running the card and they should have verified if name on ID matched name on card. Also according to the security benefits the bank offers on credit cards they block transactions with abnormal behavior. This is a perfect example, first because the card was being charged by an overseas merchant for the first time and second the amount of more than  XXXX   XXXX  dollars for each transaction is not normal and the bank didn'tt block this transactions. With the facts Im providing you, should be enough reason to consider this transactions as fraud but the bank for the second time does not consider so. I have reopened my fraud complain with the bank for the third time with all this arguments with no intentions to reimburse me the amount charged on this transactions. This is the reason Im requesting your 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 monetary relief
Consumer complaint received 2018-09-14
Company: ID Analytics, Inc.
State: CA
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 contacted XXXX by phone but it only gave me an option to leave a voicemail which I left 5 voicemails already asking to call me. No calls feom them for few days and finally after the fifth voicemail somebody called me and I ask them to place a security freeze on my file. The representetive stated that the request has to be submmited either by mail or fax and they can not proccess the security freeze over the phone. I already summited a security freeze request also by email, online by uploading the requested documents on their website and by fax. So far I only got one letter and they said because of the quality of the submitted documents ( which was my ID ) they need more info and better quality copyto be sent. Even though I submitted a original photo online and also by email, I sent them the docs one more time qith fax and since then I have not receive any respond or confirnation from them. I tried every single way they explained over the phone to place a security freeze but looks like nothing been working so far. Since they failed to place a securitybfreeze as they required by law if the consumer requests but they did not, I decided to use cfpb complaint system to submit my request. 
I am requesting XXXX  to place a security freeze to my file since I've been a victim of identity theft and recently some suspisious activity been going on under my name, I want to make sure all the sources or any report under my name to be freezed until the issue is resolved. 
Thank you 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 2020-10-25
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Equifax continues to report negative accounts on my report that do not belong to me. They are in violation of the FCRA. I have tried to dispute these accounts with Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 exercising my right under the Fair Credit Reporting Act Under section XXXX XXXX Code XXXX - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury. 
( XXXX ) In accordance with the written instruc- tions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( XXXX ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) XXXX departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards. 
( XXXX ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case

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 2018-09-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I am filling a complaint against XXXX XXXX XXXX I had a credit card With the XXXX XXXX XXXX was opened XX/XX/XXXX the last payment on this card was XXXX on XX/XX/XXXX. XXXX  XXXX XXXX researched there records when I filed a complaint case number XXXX with cfpb and said that they had nothing to do with the garnishment of my wages for this account because they charged this account off as a loss on XX/XX/XXXX with a balance of $ XXXX.The account was sold subsequently to XXXX XXXX onXX/XX/XXXX they said that they are sorry that I was unfairly treated and that I would have to get a hold of them because they no longer own or maintain this account as they charged it off 12 years ago. 
So this XXXX XXXX has a garnishment on my payroll at my place of employment for a card that was already charged off as a loss 12 years ago and this place has had it for 10 years claiming that they placed it with the judgement in XXXX XXXX court onXX/XX/XXXX again 8 years later then they placed it with the XXXX of XXXX XXXX XXXX in XX/XX/XXXX and had them send a letter to my work to receive {$2600.00} from me for a debt that still from the date of the City Court was 8 years later I spoke with my lawyer and he said the statute of limitations runs out after 6 years from the date that you made the last payment and that this company is not adhere to all fair lending laws and regulations he said he will give them a chance to make this right with this complaint I want this to stop coming out of my pay and I want the money that they have received from my pay in the amount that they have received so far XXXX not only have they embarrassed me at my job but they are not doing the right thing to people and they should make this right also when I called them regarding this matter they were rude and said if you want this out of your hands gives us the hole amount and we will remove it and that I don't know my laws its 20 years and that what I owe them in interest and thats to bad I should have payed it in XXXX. 

I feel that if they are doing this to me then they are doing this to many other people and they need to make this right am also filling a complaint with the XXXX office on this matter so they can see what these people are doing and how they need to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I filed a claim for unathorized transaction which i also have a complaint about already filed with CFPB, now as of today im owed a provisional credit and chime refuses to provide it to me. They closed my account and all they respond with is that my account is closed please see the deposit agreement. My claim is for over {$5000.00} so its not like its spare change. It was my savings. Chime closed my account and is refusing to reopen it so that i can have full use of my provisional credit seeing it falls under Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: FL
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 was denied credit in XX/XX/2020 due a locked Equifax credit report. I attempted to resolve the issue online but Equifax wouldn't recognize my primary or secondary email accounts. They are impossible to reach via telephone. 

These attempts at contact were followed by an XX/XX/XXXX, 2020letter explaining my quandry and asking Equifax to unlock my credit report. This letter went unanswered. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
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:
This is a formal complaint against Equifax. Equifax has been reporting discrepancies on my credit report. 
I sent Equifax a certified mail letter to dispute this item with the tracking number XXXX delivered on XX/XX/XXXX at XXXX Equifax has not picked up their mail yet since it was delivered. 

The Mailbox Rule is a common law concept that is the default rule governing mailing and communication contract. Once an offer has left the offerors hands, the offer can not be changed materially, even if circumstances change. The contract is considered accepted as soon as the acceptance is dropped in the mail.

The Mailbox rule is clear that the contract starts once the communication contract its dropped in the mail. Since Equifax has not picked up their mail, I refused equifax to do any investigation regarding this account except to Delete the account IMMEDIATELY. SHOULD EQUIFAX PUT THIS ACCOUNT INTO DISPUTE AFTER RECEIVING MY COMPLAINT I WILL FILE A CLAIM WITH DISTRICT COURT.

I must remind Equifax that the FCRA LAW states information reporting has to be 100 % verifiable and 100 % accurate. Its their duty to ensure that all information reports to be consistent and most importantly accurate and Equifax failed to do so. 

This account number XXXX is a revolving credit and a revolving credit account and a revolving account gets reported 180 days past the due date as a charged off. However, this account history is not reported accurate. 

XXXX. Equifax is reporting payment history in XX/XX/XXXX past due 30 days, 60 days in XX/XX/XXXX and stopped reporting in XX/XX/XXXX. Nowhere mentioned of the last payment or charged off. 
XXXX. Equifax report is blank 3. Equifax is reporting monthly payments blank 4. Equifax is reporting high credit balance blank 5. Equifax is reporting past due blank.

6. Equifax is reporting the date of payment blank 7. Equifax is reporting last date of active blank Violation 15USC1681 ( a ) Although Equifax its aware about this violation but is still reporting false misleading information on my consumer report.

The law is very clear as to the Civil liability and remedy available to me for negligent noncompliance ( Section 617 ) Equifax hereby put on notice that they are in violation of several US CODES which I can be seeking {$1000.00} per each violation. 

Reminder of XXXX Vs XXXX Information XXXX XXXX XXXX ( XXXX ) and XXXX vs Equifax Information Services LLC ( XXXX ). These consumer won their case against the bureau. 

FAILURE I WILL FAIL A CLAIM WITH ALL THE EVIDENCE I HAVE. 

ENCLOSED YOU WILL FIND DISPUTE LETTER, XXXX REPORT, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them 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 2017-05-03
Company: BBVA FINANCIAL CORPORATION
State: FL
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:
I opened on the account with BBVA on   XXXX ,2017     and it was a nightmare ever since. I started having issues over the past weekend with several overdraftfees from unathorized charges that caused overdraft fees I used the account to deposit small checks and this banks holds the check for  three  days no matter how small the amount, they took the entire deposit and refused to assist any further claiming the account was new I asked for the check to be release they refused to to so that way they were able to keep the check.I removed overdraft coverage and thought I would be okay and not have anymore problems with and on  XXXX  ,2017  I made small deposits and today they took that money as well and basically told me they that will not be refunding anything and to take it up with the merchant the charge was in authorized and a payment was made since then to the merchant and I do n't know why I was overdrafts fee again to take money from their customers this bank charged me for an unauthorized charge for a bill that was not set up on autopay or kept on file this bank tried to push the payment through and over drafted my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account removed from my credit file : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$300.00}.

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 non-monetary relief
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient on several occasions has redirected me to use forbearance rather than provide me with a low-based payment option.     Anytime I tried to submit my request electronically it would repoint me to the forbearance options.     I have negative reporting on my credit that includes excessive fees and charges of interest on the loans.

Company response to consumer: Closed with explanation