BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: AZ
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 USC1681. 
XXXX Account number XXXX has violated my rights to privacy and confidentiality 15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681section 604 A Section 2 : It 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 or information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2023-03-08
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Friday, XX/XX/XXXX, I received a call from Citibank executive manager, XXXX. She apologized and told me how Citi was going to take discplinary action against employees involved in this case. This is regarding the Consumer Financial Protection Bureau now-closed complaint ID XXXX. I told her I am closing my account immediately due to what they did to me. XXXX told me they would overnight me my cashier check from the account I closed, an ACCELERATED SAVINGS account, and the check would include interest earned. She promised to email me a tracking number and even suggested that it will likely arrive Monday " because of the weekend, '' she said, even though it was a next day air. As of today, XXXXXXXX XXXX / EST on TUESDAY XX/XX/2023 she has not given me a tracking number, nor have I received the check with my funds. 

I have contacted the XXXX XXXX XXXX XXXXXXXX to who has kept my case open, to update my case. At this time, I consider my money missing and / or stolen.

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 2021-04-15
Company: Experian Information Solutions Inc.
State: DE
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 am disputing information regarding my credit report. 
Chapter XXXX Bankruptcy XXXX XXXXXXXX XXXX and wrong addresses on my credit report. 
the credit bureau has not responded to my letter and i have since sent another asking them to comply and respond to my first letter which has been well over 45 days.

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 2023-09-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been a victim of identity theft since XXXX along with the XXXX data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another XXXX, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.

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 2023-02-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/XXXX XXXX  my bank account was hacked by an unknown scammer, after that I got disturbing messages saying that I have a new bank account balance with more money on it. When I went to withdraw the money I found out that I withdraw my own money there was no additional money. Scammers told me that I have to act quickly and withdraw the money. A number was then displayed on the screen of someone who could help me. I then contacted the number, and the person on the other end disguised themselves as a representative for XXXX and told me that I was hacked. I spoke with an individual, named XXXX XXXX, who manipulated and brainwashed me into believing that this was real. They used advanced technical language to confuse me and convince me that they were professionals so that when they told me that I needed to make payments to them on XXXX ATMs to stop the scammers from stealing more of my money, I believed them. 
I made multiple withdrawals, thinking I am withdrawing money someone added to my bank account, totaling around XXXX USD that I paid to the Scammers at the end from my JPMC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo settlement for creating new accounts. I dont have the dates.

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 2022-04-08
Company: Pacific Credit Exchange Corporation
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 am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
see attached email from XXXX addressing the base and re-levies tax amounts Dear XXXX : It was nice talking to you again today.. We appreciate the opportunity to address your questions and concerns. 



The mortgage company provided us with more information. The legal they provided describes tax id XXXX ( aka XXXX XXXX ). Our system has been updated with this tax id for future reporting. 



We also provided the below information to the lender asking them to address this issue right away. 

There are the following delinquencies for tax id XXXX ( aka XXXX XXXX ) : XXXX town XXXX. Total good thru XX/XX/XXXX is XXXX This XXXX XXXX bill included the following re-levies : XXXX XXXX base XXXX. XXXX XXXX XXXX XXXX base 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 2023-12-08
Company: EQUIFAX, 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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX - XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: GA
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:
Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately XXXX XXXX, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.

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 2017-12-23
Company: Family Credit Management
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I contact Family Credit Management 2 years ago to help consolidate my debt. Since then nothing seems to be improving. My debt is going down but at same time they fail to inform me of changes that are being made. Examples are late payments and missed payments. I pay them two times a month and I trust them to deliver the funds to the correct account. I feel that by going through them to repair my credit is it has gotten far worse. While I had debt it was manageable and steady decrease and credit score was decent. Now I barely have any open credit accounts and its hard to open new credit lines to build credit. The amount paid twice a month are XXXX dollars. During the past few months the amount has suppose to be increased to XXXX to meet the demands of the creditors and they failed to mention this to me as I noticed missed payments and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Account information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX AXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Reference # : 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 2019-08-02
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I was presented with an e-mail offer from Citi advising that if i activate and spend at least {$750.00}, I would receive a 15 % statement credit on my Shop Your Way credit card. Max {$1000.00} ( so max statement credit would be {$150.00} ). 

I activated the offer and have spent exactly {$1000.00}. However, I keep getting the offer e-mail to me and I keep clicking " activate ''. It's been over a week since I've spent the {$1000.00} and I am concerned that the activation isn't taking for whatever reason as we have not received the {$150.00} credit.

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 2018-12-04
Company: Paypal Holdings, Inc
State: MO
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:
XX/XX/18- 4 unauthorized purchases with my PayPal account totaling {$1100.00}. I reported this as fraud to PayPal and was given a case number. I was informed the amount would be refunded within 5 days.

XX/XX/18-I called PayPal. They informed me that the refund would be in my account by XX/XX/18.

XX/XX/18-Paypal informed me that the money was refunded to my card and to call my bank. My bank had no knowledge.

XX/XX/18-I spoke with PayPal. They requested the card number used and informed me that the refund would be made by XX/XX/18. XX/XX/18-I spoke with PayPal. They claim that the refund was sent on XX/XX/18. Again, my bank has no record. I called back to PayPal and they informed me that the money would be refunded to my card today and gave me a reference number. I asked to speak to a supervisor. They said one would call me. I received no call and no refund.

According to PayPal, the charges on my card occurred in XXXX. I have not received a refund nor have I received a call back from a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: Monterey Financial Services LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
my original loan was for XXXX on XX/XX/2021 and I have been making payments. I have made a total of XXXX in payments to this company which is obviously over the payment amount. Now they have charged off my account even though i was making payments and have written off XXXX like I have never made any payments. this is illegal and should be investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is the 3rd time I'm addressing this concern with Equifax. I recently submitted a complaint to the CFPB XXXXRegarding that Equifax will not release my credit information to XXXX XXXX and XXXX. The never addressed my concerns and closed the case. Here 's their response : Company 's Response Please be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit. 


They have an automated system responding to the complaints as they should be fined for this for wasting the CFPB and my time. 

Also I signed up for a membership with Equifax and it was supposed to be {$1.00}, but they charged me that twice. This company is a scammer and instead of them doing what they're suppose to do they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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:
I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Real Time Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In times past I sent documents to dispute this debt. I have never personally applied for this debt. I submitted dispute letters, I sent a letter to stop all calls which did happen. On today XX/XX/XXXX, I called and spoke with a representative which did let me know they received my disputes, but they were still going to seek compensation for the said debt. I then said so as a consumer I have rights, and no debt should be on my report according to 15USC1681b. I advised this is fraud. The rep said well we show payments being made, and you even asked for a deferment on the loan. I said it sounds as if you're pointing fingers. I said in fraud, people get things in ppl name all the time and may not have intention on just taking... they may start out good and something happens but then when they default the bad falls on the victim. She said well could you have forgotten since it's so long ago??????? 
This is Real Time RESolutions XXXX file number is Account number original XXXX which I have no clue... .this debt was open XXXX of XXXX. Owing over {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT ACCOUNTS

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