BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
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:
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity. 
The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :

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 2022-11-08
Company: College Ave Student Loan Servicing, LLC
State: UT
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX XXXX XXXX Credit Report went down by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I transferred money to my Citibank account from my XXXX XXXX account on XX/XX/2023 in the amount of XXXX. I made a few transactions and my account was blocked on XX/XX/2023. I went into the XXXX branch and spoke with the teller, she told me because the XXXX XXXX transaction name was in the name of XXXX XXXX, it was a third party and therefore flagged and my account had been sent to the fraud dept. I proceeded to tell the teller it was not a third party it was just an alias name on the XXXX XXXX. Same if someone had put " dodgerfan ''. It was not another person. I had my XXXX XXXX account on my phone, with my details, my account, my bank linked to the account, as well as my email address, my phone number and current address which is all up to date and concurrent with my state valid driver 's license. They couldn't help me. I got on the phone with Citibank, had the teller speak to the XXXX dept and still there was nothing that could be done. I left with a response of wait 30-60 days and u will receive a letter and a cashers check in the mail. My account then was officially closed XX/XX/2023. I have went to XXXX different branches, I have called the fraud dept, the IRT dept, the security dept over XXXX times now. It has been over 60 days and I still haven't received anything but the run around over and over, with being told my check will b sent out with a letter from the bank. 
I have then been told on multiple occasions my check has already been sent out. The remainder of funds that was in my account and owed to me on the closing statement was {$8000.00}. There was never no fraud and not once did anyone acknowledge my XXXX XXXX account for proof of transfer.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian is now refusing to conduct a reinvestigation for an XXXX XXXX account that Experian knows or should know is inaccurate/false/misleading. XXXX ) XXXX XX/XX/XXXX response to CFPB complaint XXXX and XXXX XX/XX/XXXX response to CFPB complaint XXXX alleges the account was charged off XXXX XX/XX/XXXX : " Your account was charged off on XX/XX/XXXX '' ; XXXX ) XX/XX/XXXX response to complaint ( XXXX ) XXXX, XXXX & XXXX makes clear XXXX will NOT change alleged payment history for account : XXXX However, we are unable to change the accurate reporting of your account. '' XXXX ) XXXX XX/XX/XXXX response to CFPB complaint claims the account was not being reported as charged-off due to alleged enrollment in financial relief program : " It is important to know, this charge off status was never reported to the credit bureaus due to the accounts status as participating in a financial relief plan. '' This statement is false because XXXX XX/XX/XXXX response to CFPB complaint makes clear there were no accomodations or payment agreements for my account : " Additionally, we are unable to locate a payment agreement from you. '' Even if I was enrolled in a financial relief program, the current financial relief offering from XXXX makes clear " If you do not make Monthly Program Payments by the following statement closing date ( on consecutive billing cycles } on any of your enrolled Card or Loan accountls, you may be removed from the Program ''. The payment history allegedly verified by XXXX is not consistent with XXXX explanation regarding enrollment in a financial relief program as cause for not furnishing account information with maximum possible accuracy. At some poin thereafter failure to pay in consecutive cycles would terminate any alleged enrollment in the program and would cause my account to begin reporting again with maximum possible accuracy : " If you do not comply with the Program Terms, we will report that status, which may negatively impact your credit score. '' Even XXXX XXXX ' own investigation ( XXXX ) are still in-progress ( see CFPB complaint XXXX and XXXX ). The explanations from XXXX regarding the false/misleading/innaccurate information for the account/tradeline is contradictory and the informattion furnished for this account beyond the date of charge-off is not reported with maximum accuracy and needs to be replaced with " No Data. ''

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 2020-12-22
Company: Experian Information Solutions Inc.
State: OH
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 never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED 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 explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, 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:
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 2019-05-01
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: Account status incorrect

Complaint:
Equifax is violating the FCRA. I filed a dispute with Equifax about the closed XXXX XXXX XXXX account being incorrectly reported as a current charge-off. Payment status is supposed to reflect the current status of the account. Not only did they fail to correct the false information but Equifax is now committing FRAUD since they changed the current status of the account which was PAID OFF ALMOST 3 YEARS AGO to start reporting as A CURRENT CHARGE OFF as of XX/XX/2019 ( THIS YEAR )!!! It is not a currently delinquent account. It is a paid account and has been for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
- Made payment to XXXX on XX/XX/2023 for using their movers+packers services through Chase Bank XXXX XXXX XXXX transferred $ XXXX $ XXXX {$400.00} which was successful but I got a call back after XXXX mins that this account is unrecognizable so mobile transactions through app will be blocked. 
- I called bank on next working day and my mobile account transactions were restored. 
- Between XX/XX/XXXX my account was debited for {$1100.00} towrads Siyung account without my acknowledgment of that payment. 
- On XX/XX/XXXX I filed a claim calling Chase customer care and they asked me to - change password on on both mobile and web transactions and sign in again and my account was temporarily paid {$1100.00} claim. 
- Later in a weeks around XX/XX/XXXX my account was again debited with {$1100.00} - When I reached to Chase bank office on XX/XX/2023, I was mistreated by heir staff, yelled at by their Banker and humiliated by their employees as accordign to them they couldnt do anything about it. They called police and asked me to close to bank account with them which I happily did to avoid any future threat to my money or myself. In front of the police, they obliged to pay me all the amount I had in my account via cash ; however I was all the data on my app was changed so I couldt take any screenshots. Though I still have proofs. 

I am a single mom of XXXX minor kids and my bank funds are our sole means for livelihood and the way I have been threatened by bankers has put me into tremendous fears for myself and my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Atlanticus Services Corporation
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of this year I had a XXXX XXXX replaced By XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX GA XXXX. XXXX. He acquired financing with Fortiva Retail Credit and I was sold a XXXXmonth XXXX XXXX deferred interest loan. When I went to pay off the loan XXXX months later after paying all payments early and online I was hit with the fact they had been charging interest to the amount of {$800.00}. When confronted they said it had never been XXXX XXXX deferred and goodbye. The owner ( XXXX XXXX ) who arranged the loan over the phone when I signed up agreed with me it was sold as XXXX XXXX deferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased my home on XX/XX/XXXX, My Original Lender, sold my mortgage to Mr. Cooper on XX/XX/XXXX. My Insurance Company returned the insurance premium to me, I reached out my new mortgage to ensure what where the procedures in regards to the insurance, I was told by the insurance department to deposit the money in to the escrow account an they will pay the policy. I reached out to the Insurance agency to advised to proceed to issued the policy and send to the Lender for payment. On XX/XX/XXXX I received a call the Insurance Agency informing my policy was canceled for non payment. I called the Lender they send the payment but the insurance co. did not want to reinstate the policy, I was place with a higher premium policy and my mortgage payment was increased. I was affected by the Hurricane Ian, due to the lenders negligence I am struggling with my mortgage payments and my credit has been ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sell Mattress of {$150.00} on XXXX market, a potential buyer ( scammer ) asked to pay by XXXX, and then I received an email from XXXX saying that since my account is not business account, I should upgrade it and let the buyer pay another {$400.00} to upgrade my account and then I should refund the buyer and email back XXXX the proof that I have already credited back the buyer, then I could get my {$550.00}. 

So I sent the buyer {$400.00} without getting any money back from him. Then I realized that this was scam. I called XXXX and they said XXXX was not their official email. I called my bank and they said XXXX transfer should be immediate and they could help with nothing. 

Thus Happened at XXXX on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: BANK OF THE WEST
State: UT
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:
Bank of The West is reporting innaccurate lates on my credit file. The lates are for XX/XX/XXXX and XX/XX/XXXX. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.

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 2023-08-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-15
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Attached is a police report from XXXX Police Department. Please review attached police report. The following accounts listed and showing on my Trans Union, XXXX  and XXXX  credit report are unauthorized, fraudulent and not my accounts : 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 and 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 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My XXXX  stimulus check of {$1400.00} was cashed at Bank of America in XXXX XXXX  without my authorization or knowledge. The money was stolen from me, since I have never had any accounts at Bank of America. I contacted Bank of America asking for an explanation but have not received any response.

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account XXXX XXXX XXXX  ( Doesnt have an account number showing ) 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 an 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