BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NV
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
The XXXX XXXX XXXX XXXXXXXX # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Privacy Act of 1974 - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to straighten this out since XXXX. Homeowner insurance and flood insurance was obtained by NewRez in error. Money has been taken out the escrow account and paid to insurance company. I was told that the issue would be resolved within 48 hours first on XX/XX/XXXX and most recently on XX/XX/XXXX and as of today still no resolution. NewRez sent letter requesting proof of insurance in XXXX. We provided proof of insurance 3 times ( once by fax XX/XX/XXXX and 2X via email ). XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. It has been confirmed that this proof was received. And this problem is still unresolved. Homeowners and Flood insurance was obtained by lender in error as we already had insurance ( liability insurance - house was demolished after superstorm XXXX also provided proof of this ) and provided them proof. Money was taken out of our escrow on XX/XX/XXXX {$730.00} and {$78.00} and again on XX/XX/XXXX {$140.00} & {$14.00}. I rec 'd letter form NewRez stating that insurance was canceled on XX/XX/XXXX. This money needs to be refunded. There is one more payment due on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 went to the car dealership and I only got approved for one car from XXXX XXXX. So I shuld only have the one inquiry from XXXX XXXX on my credit report that occured on XX/XX/2022. 
All of a sudden I have 20 inquires from car dealers across all 3 credit bureaus that I did not do. 

XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-07-12
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
citi sears masterard is a great credit card but interest rate is outstanding. the balance i was paying on my cell phone XXXX on the statement it says XXXX when i look at the balance on phone i would be over the limited the interest XXXX plus being charged XXXX for over the limited fee since this covid - 19 started citi has not given any relief to consumer on their card products .at the begining of crisis.

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 2023-09-13
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Saw an offer to open a new business account with Citibank and receive from XXXX to XXXX depending on the amount of money deposited into the account for three month average. I wanted to transfer my money from XXXX XXXX to Citibank business account but of course I had accounts payable had to order new checks and change some information with my accountant and credit card processor which took a few weeks. The banker said I would have time to transfer it from XXXX XXXX. It was a lot of work to transfer to citibank. After 4-5 months I noticed I had not received any bonus at all. When I approached a banker, he said, sometimes it takes extra time. 
Then a couple of months later, I was interested in opening a CD and brought it up again, and wanted them to look into it in more detail. Now this is nine months and I was supposed to receive it after 90 days. This time they said that they didnt put in the proper promo code or something, and they had to find that code, but they were having trouble finding it. 
Then I talk to a bank manager, XXXX XXXX XXXX, in XXXX, Connecticut at the branch that I opened it. He said there was a dispute put in. He called me once at work when I was very busy and I told him Id call him back and he has not responded to any of my phone calls or emails since then its been a few weeks now I went into the branch and talk to a banker, but he was not there. 
It honestly feels like to me that they purposely do this and just hope customers forget about it because theyre so busy with their business and get frustrated and quit pursuing it. They know all the aggravation it would be for me to take my money out now and change back to a different bank. I bet if you surveyed all of the people who signed up for this promo, many of them did not get any of their bonuses, and I would suspect a class action lawsuit could be filed.

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 2023-01-24
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX  ( XX/XX/23 ), XXXX XXXX ( XX/XX/23 ), XXXX/XXXXXXXX XXXX ( XX/XX/23 XXXX, & XXXX ( XX/XX/23 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.

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 2023-01-24
Company: Experian Information Solutions 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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX A XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-17
Company: EQUIFAX, 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: SC
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  Account # 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

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 2023-08-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 explanation
Consumer complaint received 2023-09-13
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
During the week of XX/XX/XXXX my Robinhood bank/investment account was frozen for no apparent reason. I had this account since XXXX in good standing. I believe I am being discriminated against and singled out because I am XXXX American and transferring a large amount ( roughly {$25000.00} ) into my brokerage/bank account with Robinhood. There was no reason for them to ask me for ID, live selfies, or my bank statement. 

My account email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: JPMORGAN CHASE & CO.
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:
Good morning, After major struggles with my XXXX Chase credit card, and with the other company involved on this matter ( XXXX XXXX XXXX XXXX XXXX ), I've decided to seek help from the Consumer Financial Protection Bureau. I've spent endless hours filing complaints back and forward with both of them. I find it shocking that my XXXX Chase credit card did not really care too much to help XXXX of their clients, after receiving a simple " no '' thru XXXX letters in different letters sent to me in their final decision. In fact, the credit card company asked not to contact again on this matter. 

I provided an extensive amount of evidence on this. I have enough evidence to prove this companys scamming costumers, but Chase Credit Card must have some sort of special relation with XXXX XXXX XXXX XXXX XXXX  ( the other company involved ). And trying to contact XXXX XXXX aXXXX XXXX XXXXl ( the company involved ) was a real waste of time. XXXX XXXX XXXX XXXXXXXX XXXX attempted fraud and scam, the second I showed up with my family on their facilities to rent a car. 

I will simplify with a quick timelime of events. 


XXXX I arrived with my family at XXXX Car and Truck Rental, a requested deposit of {$150.00} was placed in my XXXX Chase XXXX. They tried to charge twice, because I showed up XXXX minutes before car reservation, that didn't happened. 
XXXX On departure, a receipt was denied, and promised via email. Never got the receipt. ( after multiples attempts to reach the company. ) Never got the deposit. ( opened a major dispute with Chase ) Start going back and forward with XXXX Chase on this. The credit card deposit was {$150.00} and it just disappeared like magic, with no receipt. No receipt what so ever still.. 

XXXX Called Chase, regarding a letter they sent me, stating the alleged disputed transaction was valid. 
XXXX. Chase got the receipt from the company. 
XXXX. Chase claimed they sent me receipt the XX/XX/XXXX. 
XXXX. I never got the receipt. 
XXXX. Chase re-sends receipt to me. 

XXXX XXXX the receipt from Chase FINALLY with a breakdown. 
XXXX After thorough review now I can see why there was never a receipt disclosing details. 
And here are the reasons : XXXX. Half of the charges were already charged on original purchase via XXXX XXXX. The other half : tolls services, these tolls services were NEVER requested when submitted deposit at arrival. Unwanted toll services and inaccuracy on CAR mileage. 

I took photos of the mileage, and everything else that was wrong. I finally got another receipt from XXXX back in XX/XX/XXXX. This took place back in XX/XX/XXXX and I finally got a receipt XX/XX/XXXX, there ws prob. no receipt, ever, when Chase got involved the made a who knows what with wrong figures all over the place. My deposit was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2020-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
These reporting agencies I know nothing about, they had no reason to keep checking my report i never heard of them, and they were checking 5 and 6 times a month damaging my credit history this is unacceptable and want them removed, if not I'm filing a lawsuit, I feel like im definitely a victim of identity fraud, and its making me very upset, these are the hard inquires .... 
XXXX XXXX - from XX/XX/XXXX-XX/XX/XXXX about 10 times XXXX from XX/XX/XXXX-XX/XX/XXXX I don't know these people XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They have all fraudently pulled my name, and my identity, I'm scared and confused, please remove these people

Company response to consumer: Closed with explanation