BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-08-26
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed 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 2023-06-16
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Despite my credit card account being closed as of XX/XX/2023, I have noticed that XXXX and Equifax continue to report this account as open on my credit report. This inaccurate reporting is misleading and can potentially harm my creditworthiness and financial standing. I have made efforts to address this issue with XXXX and Equifax and self-lending inc that's the credit card issuer, but the incorrect reporting persists. 

Requested Action : I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek the following actions to be taken : 1. Conduct an investigation into the inaccurate reporting of my closed credit card account by XXXX and Equifax 2. Facilitate communication between myself, XXXX and Equifax, and XXXX XXXX r to ensure that the account status is updated promptly and accurately. 
XXXX. Enforce any applicable consumer protection laws or regulations that require accurate reporting of credit information. 
4. Provide guidance and recommendations on how to rectify this issue and prevent similar inaccuracies from occurring in the future. 

I have attached copies of relevant documentation.. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. 

Thank you for your assistance and dedication to consumer protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have Fraudulent Inquiries on my credit reports for XXXX XXXX XXXX I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Company tried forcing me to use XXXX savings accounts in an attempt to slander & defame my character via denying my application by failing to identify me by forcing me to " unfreeze my reports ''

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit 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 2023-06-15
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: Account status incorrect

Complaint:
On XX/XX/XXXX I submitted complaint # XXXX. Equifax has began an reinvestigation but has ignored one of the incorrect accounts. They have ignored XXXX account # XXXX. Please see original letter below from complaint # XXXX XXXX. 


I contacted Equifax about a wrong credit report. I explained to them that I have the right to have an investigation done, which they failed to do. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit reports correct. Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Validate the following account : 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 

I respectfully ask for you to please provide some kind of proof of these alleged items, specifically the contract note, or other bearing instrument bearing my signature. Additionally please provide me the name, address, and telephone number of each credit grantor or other subscriber. I heard that under federal law, they had 30 days to complete a re-investigation. I also requested that the description the procedures used to determine the accuracy and completeness of the information was requested as well, to be provided within 15 days of the completion of the re-investigation. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: CMG MORTGAGE, INC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am rated 100 % Permanent and Totally XXXX by the Dept of Veterans Affairs. I submitted my letter to the city in which I own property and received a letter back stating that I am 100 % exempt from paying property taxes according to VA statute. I have submitted this documentation to my mortgage servicer ( CMG Mortgage ) XXXX separate times, called them XXXX  times, and interacted via message online XXXX different times. They refuse to adjust my escrow and taxes telling me I am not eligible for an exemption. When I asked to speak to the tax dept they told me they dont have a phone line. On XXXX occasion I even conferenced in the city treasurers office and they verified over the phone with me and CMG that I was not responsible to pay any property taxes and that any I have paid thus far should be refunded to me from escrow. They still say I do not qualify. I need assistance getting this rectified and what they are doing is completely wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, I was informed by Bank of America, after calling them, that my two credit card accounts with them had been closed. This came as a surprise to me because I had not received any adverse action notices regarding either account, and the only reason I found out was that I was unable to access my online banking account ( which is how I make payments ). 

Both of these accounts had always been paid on time, and I had made all payments through the online banking portal. However, now I am forced to call a phone number to do anything. The representative I spoke with ( who was very kind ) took over 10 minutes to find a note on why my account was closed and apologized that notices WERE NOT sent. 

I find it unacceptable that a bank of this size would fail to inform its customers of decisions made on their accounts. Such actions are illegal and have a negative effect on my credit report, which is in the form of a reduced credit line/closed account by the financial institution. Besides, I had just received approval for a balance transfer on one of these two accounts earlier this year, and nothing has changed on my credit report since then. How is this practice not abusive and a UDAP violation? 

This experience has left me feeling frustrated and disappointed. It is not the level of service I expect from such a large financial institution like Bank of America. I would like to see measures put in place to ensure that customers are notified of any changes made to their accounts. This would avoid situations like mine, where customers are left in the dark and have to go through the hassle of finding out on their own. 

Overall, I hope that Bank of America takes this matter seriously and implements changes to ensure that customers receive proper notification when decisions are made regarding their accounts. This will not only benefit customers but also improve the bank 's reputation and trustworthiness.

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 2022-12-14
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXX  {$260.00} Not my account, no response from the bank. 

XX/XX/2022 XXXX XXXX XXXX {$3400.00} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - Us bkpt ct ca XXXX Remove, this isn't accurate. I never filed bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ive had problems with Citibank since my account was opened. Over the last week. Ive been corresponding with company via Email in which it Completely contradicts some of their previous statements regarding this issue of me receiving my funds. 

These replys from the company state my account was in normal status and I should have been able to get my funds allocated to me ; in the time I needed them. ( as they were my funds. ) But Citibank didnt provide me this opportunity and I verified my identity on every level possible. 

I was treated as if I was scum on a shoe. And now in this reply from Citibank that I attached to this complaint. its stating they closed my account. But opened it to get a deposit but closed it again. But I was trying to get my money from them once I seen my XXXX went to their account. And was denied continuously. I should have gotten at least that part of my money back. As my account was closed and they werent accepting any more deposits. 

So if my account was active during the beginning of XXXX Why was my wire transfers denied out if my account. My XXXX access restricted. Why did they deny me the chance to activate my debit card ; so, I couldnt go to a ATM. Why havent I still gotten my check from my account closing. 

Citibank is gaining interest off my money. As I accumulate XXXX  of not having my funds in a pandemic. Due to this institution denying me because of the color of my skin. But after my account was supposedly closed. They still accepted a XXXX into that account. Even tho I received multiple emails of my account closing. And any deposits into the account would be returned. But they kept a XXXX. This bank is refusing to give me my funds. And I want this complaint to be public record with all images applied for future references to this matter. 

But the bank has yet to release my funds!!!! 


But I was bamboozled into opening my account. I had it for 3 days. The same day I switched my direct deposit. I had my email on my account status the next day. 

Ive been contacting this bank religiously trying to get my funds. Its all recorded how they treated me. I went to the branch and was denied. They told me my account had a block and they cant get it off. The banking official said they can do it on the phone. I explained the Fraud department said they couldnt either but I can visit a branch and you could allocate them and I was shoed outta their bank. 

They are playing with me. Opening and closing my account as they please and denying me my money ; Still!!!! This has been going on since XXXX. Im begging you to please help 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 monetary relief
Consumer complaint received 2021-08-26
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 fraud alerts or security freezes

Complaint:
There is an account showing on my credit file that indicates it's in dispute. I have requested several times for that verbiage to be removed. I AM NOT DISPUTING THE ACCOUNT. I called XXXX  personally and they said it's not listed in dispute but when my lender spoke with the business side they said it was. I do not know which bureau is reporting this because the lender pulled a tri-merge but I need it removed ASAP. I am unable to refinance my house due to this error and if this is not resolved ASAP I will go to the States Attorney 's office to get this resolved. I am loosing so much money and this is putting a major hardship on my family

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 2023-04-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed inaccurate information on my report from a company XXXX and XXXX the info is not correct I have had my wages garnished since 2018 for this and its not been updated and shows I owe a higher balance and a negative balance and late payments its wrong

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 2021-08-26
Company: Lewis, McDonnell & Associates
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by someone on XX/XX/XXXX saying they were trying to serve me with court papers. When I asked in regards to what they gave me a 1 ( 877 ) phone number and case number and told me to contact them. When I did I was connected with someone saying they were a legal aid with Lewis , McDonnell & associates, and were trying to serve me with papers for a XXXX debt saying I owed $ XXXX+ with interest. I told them I had no idea about this and he said that if I did not set up arrangements that day I would be charged with theft that would go on my record permanently and I would have a judgment placed against me. I told him I was going through a divorce at that time and several things should have been handled by my ex and this is the first of me hearing about this in 6 years. He said he could only extend the offer to me while on the phone but if I didnt set something up not only would I be charged with theft but I would be responsible for process server fee as well as attorney fees on top of the debt that had been occurring interest. I panicked and set up a payment plan because he said he could not give me anymore time because they had sent a letter out to an address I told him I had not lived at since XXXX. After speaking with people about this they said it sounds like a scare tactic and I should report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CITIBANK, N.A.
State: NJ
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 have been a victim of identity theft and fraud! I have contacted XXXX 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : CBNA XX/XX/2020 CBNA XX/XX/2020 XX/XX/2020

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