BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

5 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 
15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2021-06-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have reached out to XXXX multiple times since XXXX to resolve this issue. I have sent multiple certified written request for investigation pursuant to the FCRA rules. At no point was the issue resolved or followed up within the 30 days. XXXX XXXX supervisor spoke to me in a degatory manner XX/XX/XXXX and pointedly advised there was nothing further to investigate because I kept disputing they same issue with XXXX. I have since written the XXXX of XXXX As a result of my most recent letters Transunion is the only credit bureau refusing to grant me access to my free annual credit report. A report that I should have access to more frequently due to COVID-19. This behavior is not only retaliatory in nature but discriminatory. The other two credit bureaus are able to provide me with a serious of questions to verify my identity and give me access to my report. I answer all of XXXX question and each time the end result was they could not verify my identity. One of the last questions most recently was to state where a sibling ( they named the sibling lived ). I answered the questions and it came back they could not verify my identity and refused to provide my credit report. 
XXXX in my opinion, continues to aid XXXX in the companys predatory business practices. XXXX continues to change the amount owed and did not follow the state of Texas repossession laws. As a result the ever changing debt amount is not valid, they have not provided the requested documents of how they arrived at the debt amount despite the debt not being legitimate. A key question, how much money did the tow truck driver pay on the debt when he continued to drive the vehicle after I surrendered it? How did you arrive at the same original sale price of the vehicle over a year later as the original written off amount? What amount was claimed as a business tax credit? The charged off amount shows in excess on {$20000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: SECURITY FINANCE CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I called to apply for a loan .They ran my credit .They said to call back in thirty minutes .I called back and they said you have been appoved for XXXX said ok i will be up there tommorrow to sign papers, They called back that afternoon and said that i wasnnt approved and i owed money from a loan i had years ago, The other lady had said she had seen it was paid off on my credit report .I called the store where they said to call and she said i did not owe anything .It was paid off .Why did they lie about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: HUNTINGTON NATIONAL BANK, THE
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX XXXX recongnized some fraudulant activitiy on my checking account. I contacted the customer Service Line in regards to the wrong activitiy. They Stated that they handled all the fraudulant activitiy and that the Checking Account was positive in the amount of XXXX this was XX/XX/XXXX. Than the lady prceeded to inform me that the account was closed and that they would only be recieving deposits though. Until they got a noterized letter from me stating to close the account. I typed up an Offical Letter and sent all the staements marking all the fraudulant activity on the account. In the form of a Certified mail via USPS. XX/XX/2021, I called to follow up on this matter as My Bills were stacking up and I still had not recieved my money. The lady who always seams to answer my calls refused to let me talk to anyone else. I called the MAIN Branch directly and finally got some answers. They supposedly did not get the Noterized Certified letter statements. So I had to do it all again. This time I could not access my statements so everything was all done by memory to the best of my knowledge. I sent it via EMAIL. At no point have I ever recieved a call from them AT ALL. So i followed up on my email and yes It was recieved XX/XX/2021. Now well into XXXX, XX/XX/XXXX to be exact no one has yet contacted me. I have been witing for my XXXX and some change to be released to me for months. I NEED HELP. My car is up for reposession now cause I have not been released my money. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Several months ago, Bank of America closed my Core Checking account. The account was in good standing and always had a positive balance. I inquired about why it was closed and where my remaining balance went. I was just told " sometimes these accounts just get closed. '' When logging in to my account, I am not able to access any of my past statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a bloomingdales card in order to purchase a gift. I purchased an item at the store using a credit card authorization provided on site. 

I never received the card or any bills until after the payment date had passed already. Prior to this I used the automated phone service to pay off the amount. A few weeks later I received a call that the payment was not made. I immediately paid it in full and asked that late fees and interest charges be reversed. And, the agent on the phone assured me that all fees and interest would be reversed. 

Now a month later I received a bill for {$110.00} in interest charges despite their assurances. I called a few times and each time was placed on a forever hold. 

They also purposefully play static and horrible hold music to discourage people from fighting fraudulent interest charges.

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 2021-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To Whom It May Concern, I have experienced low level fraud on my Chase bank account from XXXX XXXX on at least two different occasions and I would like to know if this can be investigated further and resolved. 

Each time, I have had over {$200.00} taken from my account in increments of {$50.00} - {$60.00} from four random people like ; " XXXX '', " XXXX '', " XXXX '' and " XXXX '' etc, with the number XXXX attached to it. ( Please see attached bank records transactions took place on XX/XX/XXXX and were reversed in XXXX ). 

These erroneous transactions have caused a negative balance and I need there to be a correction with this account. 

I am also writing the attorney general in this regard. Chase corrected the matter only to reverse and refuse to keep it corrected. 

The account number is XXXX Please advise on what can be done and what further information you need from me in correction to the issue. 

Thank you, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX CEO/ President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( o ) XXXX ( c ) Volunteer work Neighborhood Advisory Board XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
InXX/XX/XXXX, you requested your bank to pay your taxes from your escrow account. 
The bank only paid half of the tax bill, leaving you with a remaining balance. 
In XX/XX/, you realized that you were delinquent on your taxes and contacted the bank to pay the past due balance. 
The bank paid the past due balance and the penalty fee associated with it. 
The bank refuses to refund you the penalty fee because they claim that their negligence was not the reason for the penalty. 
I believe that the penalty would have been avoided if the bank had paid the tax bill in full like you requested earlier in the year.

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 2023-05-10
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I use Cashapp to make my purchases for XXXX grocery delivery. I load the funds that I am going to use on my card, make the purchase, make sure the funds were withdrawn and then lock my card. I was double charged for 4 orders back from XXXX and XXXX the other day. I 100 % know I was charged the day of the purchase. I contacted Cashapp and they told me there was a technical error where the funds were not received or processed so they money was taken out later. I know that was not the case and I have been double charged and XXXX confirmed it. Cashapp denied my dispute claims and will not help me. The charges are : XX/XX/XXXX {$23.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$39.00} They can not provide me with any kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citibank : I have gone in XXXX branch 10 times for this. Yesterday XX/XX/19 XXXX told me to come in today XX/XX/19 to see Branch mgr. Today XX/XX/19 I came in and branch mgr was Not in and XXXX told me that I needed an appointment. They refuse to address or correct Fraud on my account after 15 attempts. I submitted advertised charge and Duplicate Charge of {$80.00} posted 1 week later. Also My account would have been overdrawn and charge would not gone through if full amount of {$160.00} because I do not have overdraft protection so all these mistakes are bank errors.

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 2019-06-19
Company: EQUIFAX, 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:
Disputed various peices of information on credit report. All information has been removed for other credit agencies except this one. I even sent in Police report documents to state that items needed to be removed due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: GA
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:
The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX Finance/Personal XX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XX/XX/2021 TransUnion 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions Im Im Im sorry sorry for 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 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 2022-04-22
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
there are multiple fraudulent accounts as a result of identity theft on my credit profile such as XXXX and multiple inquiries as listed in the attached affidavit including fraudulent addresses and names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Velocity Portfolio Group
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:
I had a fraudulent account on my credit. I disputed the original creditor XXXX XXXX and under FCRA 605 the information was removed and blocked on all bureuas. The debt was bought by a debt collector who reported it under XXXX XXXX. I disputed this again under FCRA 605 and all bureaus except XXXX removed the fraudulent information. They said XXXX provided sufficient proof to report. This is false.The original creditor stopped reporting and XXXX and XXXX removed XXXX so how was proof provided to XXXX to keep the fraudulent account but not XXXX or XXXX who have followed the FCRA. XXXX is in direct violation of the FCRA even after receiving the theft affidavit and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, INC.
State: WI
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:
I have tried to open an on-line dispute on several accounts with both Equifax and XXXX. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for Equifax, I do not have the conformation number for XXXX. 

Today I was finally able to get through to the XXXX Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing. 

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency! 

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received my investigation results.

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 2023-10-25
Company: EQUIFAX, INC.
State: FL
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/2023, I was approved for a Chase United Club credit card, and paid an annual fee of {$500.00}. I used the card for several months. In XXXX, XXXX, Chase sent me a letter asking for a copy of my social security card. I called to see if they had a secure portal to upload it, and the rep said no, so I mailed a copy of my social security card. 

In XXXX, XXXX, I received a letter from Chase that I needed to provide a copy of proof of my address and my social security card. 

I called them and told them I sent them my social security card in XXXX. The service rep said they saw in the system that Chase had received it. She sent me a secure portal to upload my address proof. I uploaded a copy of my utility bill to prove I live here. 

Shortly after, I received a note that they were closing my account. I called Chase and told them they should have everything, and the security rep advised that he can't access the copy of the social security card because it was sent in XXXX, and they need another copy. After talking to multiple people, I spoke to a supervisor, who understood that I have sent everything that was asked for. I told him I can't keep sending documents only to find that Chase needs something else, and they can't/wo n't look at documents previously sent. Since I have been unable to use my card ( since my account was closed, even though I sent all the documents ) I asked for my {$500.00} annual fee to be returned. I just received a letter from Chase rejecting my request for a refund. So Chase opened an account, took my fee, then closed the account even though I met all their conditions. 



As an aside, I have been a XXXX year customer of Chase. I have had Chase checking accounts, savings accounts, mortgages and credit cards. Chase has had my social security number for all those years, but now Chase claims they can't verify it, even with recent evidence I sent in XXXX.

Company response to consumer: Closed with monetary relief