BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
LL Bean CitiBank MC showed a purchase of {$1300.00} made in XXXX CA ( XXXX away ) on XX/XX/23. I have no knowledge of this purchase or the company and have never been to XXXX. I phoned in a fraud alert to LL Bean CitiBank MC and they investigated. They wrote me ( postmark XX/XX/23 ) showing an invoice from the store for {$1200.00} plus {$110.00} for a total of {$1300.00} placed at XXXX. This transaction WAS NOT chip verified, and was PHONE OR INTERNET placed and NO shipping or tacking information was listed. The product is a pair of batteries weigh well over XXXX #. THE LETTER FURTHER STATED THEY WERE REFUTING MY CLAIM and charging me for the purchase UNLESS I provided proof supporting my claim and gave me until XX/XX/23 to prove my case. ( It's hard to prove I did n't drive XXXX to buy something ) I sent registered mail ( sent XX/XX/23, delivered XX/XX/23 ) my rebuttal again swearing I had nothing to do with this purchase, pointed out the above facts and a photocopy of a credit card purchase showing me purchasing gas XXXX away on that date at XXXX. They sent me a second letter SENT BEFORE ( XX/XX/23 ) the XX/XX/23 deadline given me. This finalized their dismissal of my right to claim. They have not responded to any further letters and are billing me for a fraudulent charge.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
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:
I am writing to express my concern about the inaccurate representation of accounts in my consumer report. It has come to my attention that I never provided written consent for the inclusion of these accounts in my report, which, in my belief, constitutes a breach of my rights as outlined in 15 USC 1681b. This breach specifically relates to safeguarding consumer information and the essential requirement of obtaining consent prior to reporting it. 

I've already initiated a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number, which is XXXX. Furthermore, I've made multiple attempts to request the removal of these entries from my report, only to receive unsolicited documents from the creditor. My grievance is aimed at your credit reporting agencies, as it falls within your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly block the reporting of any information in a consumer 's file identified as originating from suspected identity theft. In light of this legal obligation, I respectfully request your prompt action in removing the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Requesting Removal of Unauthorized Inquiry XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX  Your prompt attention to this matter is greatly appreciated, and I trust that you will act in accordance with the law to rectify this situation promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: WELLS FARGO & COMPANY
State: TX
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:
On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with capital XXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance XXXX, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance XXXX ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX  XXXX, Wells Fargo ( XX/XX/2022 )

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

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 2023-06-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. The following creditor inquiries will need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i ave been dealing with seventh ave for a very long time regarding a fraudulent account open on my name they have been given me the run around i have sent them all requested paper work and they say they have no received it. every time i disputed with credit bureus they say s been verified but when i request proof they never send me anything. I HAVE ENCLOSED PROPER THEFT AFFIDAVIT ND POLICE REPORT. At one point i even tried to settle this account because it was causing me so much headache but why should i have to pay something that i did n't do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-09-19
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thomas agency pain in full, $ XXXX-still on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 SENT THEM MAIL OVER AND OVER THE LAST YEAR ABOUT REMOVING THEFT ACCOUNTS AND INQUIRIES THAT ARE NOT MINES. 

i EVEN TOLD THEM ABOUT THE CARE FAIR ACT AND NOTHING REMOVE. 
I HAVE SUBMITTED EVERYTHING AND STILL NOTHING REMOVED.

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 2023-05-20
Company: EQUIFAX, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-20
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX  is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.

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 2022-10-02
Company: EQUIFAX, INC.
State: WA
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 XXXX the following Accounts has violated my rights : 1. XXXX XXXX XXXX *Account # XXXX 2. XXXX XXXX  *Account # XXXX 3. XXXX XXXX *Account # XXXX 4. XXXX XXXX XXXX  *Account # XXXX 5. XXXX XXXX *Account # XXXX 6. XXXX XXXX *Account # XXXX 7. XXXX XXXX  *Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
JPMorgan Chase unexpectedly closed all of my accounts including two checking, savings, and two credit cards without explanation. I received a letter indicating that it was due to a " connection to a publicly reported financial investigation '' but upon inquiring about the reasoning, the bank refuses to give any information about the investigation. 

I am not under any investigation that I'm aware of, and have no knowledge as to what this could possibly be about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

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 2022-05-20
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: Account information incorrect

Complaint:
I have tried on several occasions to repair my credit with equifax, XXXX and XXXX for the ELIMINATION of accounts that are being reported incorrectly. several accounts are in XXXX but the account status is open, the last dates of activity are reported differently in each credit bureau, how is it possible? I have sent them letters where I point out the errors in the accounts and they ignore my request. 

The accounts I need removed because they violate the FCRA ARE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX The balance owed on this debt is allegedly XXXX and the highest balance is XXXX, this is a violation of my right to a Fair Credit Report. 

XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX This account is reporting the last activity date differently in equifax and XXXX, late payments are also reported on different dates, I am entitled to fair credit, errors like these are unacceptable XXXX XXXX XXXXXXXX account number XXXX This account is reporting the balance due other than the highest balance,. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX' Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX account number XXXX The last day of activity, account status on this account are reporting differently on the XXXX credit bureaus. i have the right to an accurate credit file and discrepancies like this are unacceptable. 

XXXX XXXX XXXX XXXX XXXX account number XXXX The last day of activity, last payment on this account are reporting differently on the XXXX credit bureaus. Additionally, I was reviewing it and its reporting the XXXX XXXX XXXX XXXX XXXX  Accordingly to the FCRA, it's illegal to report current payment history on a Charge off account. I have the right to an accurate credit file and discrepancies like this are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2023-01-16
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a CD with Ally Bank back in XXXX and I was told that they were going to wire the balance, {$12000.00} to my account at XXXX Bank. When the money never hit my account I called Ally and was told that they had actually sent a paper check and that I had to wait for it. I waited and the check never arrived. I called again in XXXX and I was told that I would have to fill out a form stating that I never received the check and get it notarized. I did that and requested once again that the money be sent directly to my account. Again, the money never arrived. I called again in XXXX and the person I spoke with was very apologetic. She said that it looked like another paper check had been sent but she could see that it was never cashed or deposited and that she was going to escalate the issue and that someone would call me back by the next day. It was three more weeks before I heard from them again. The woman I spoke with today was rude and impatient and she told me that I would need to get another form notarized to request another check. I said that this obviously isn't working and that it's ridiculous because they have my information, they have my form, and most importantly they still have my money. I asked if there was a branch or anywhere physical for me to go to get my money and I was told that they were an online bank and that my only option was to keep leaving work to get the exact same form notarized with still no indication that I would ever actually receive my money. This is a lot of money and I had been counting on it to help pay for holiday bills this year but now it is almost a year later and I still can't seem to be able to get them to send it to me.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I mailed out letters to XXXX and Transunion on XXXX. They have yet to respond to my dispute of inaccurate information being reported and it been over 30 days. They are not adhering to their own policies with response time.

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