BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, BANK XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, BANK XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-08-06
Company: EQUIFAX, INC.
State: PA
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 USC 1681 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: VA
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 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 inquiries. 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 2022-06-01
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Around XX/XX/2022, I tried to deposit a check ( a safety deposit returned by my apartment ) into CITI bank. Two days later, I found out that my account has been closed. I called the bank and learned that they defined this deposited check as a fraudulent activity. They want me to provide a number for my apartment so that they can call and confirm the identity of the check. However, every legitimate number I provided to them was denied. They claimed that those numbers do not match their " public record ''. Instead, this check is cashed and held by CITI bank so that no other parties can cash it. After persistent calling every day, my call was finally picked up by the CITI bank USA fraud prevention department ( instead of the outsourced XXXX department ). The representative was able to verify with the issuing bank of the check that the check is valid. However, It was already about one month after the incident. They confirmed my current address and promised me to send the remaining amount in my account and the check ( that they thought this was fake ) to me. 

Two weeks have passed, and I never received a single thing from them. Due to a huge financial burden, I had to take a trip to New York, where I can visit a physical CITI branch. The bank manager helped me to call the CITI bank fraud prevention department and promised me that they will send out the two checks to me. Two weeks have passed, I still got nothing from them. Desperately, I tried to call them last week. After hours of waiting on the line for a representative, they keep referring me to other departments of the fraud department. More than 4 representatives told me rudely that they don't deal with this matter. I am out of options.

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 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Bankruptcy on my credit is old and should have been removed by the credit bureaus according to the FCRA. I have contacted them to remove it and they have refused

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 2022-09-27
Company: EQUIFAX, INC.
State: SC
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'm 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXL XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of current address that you require. The only address that should be listed is shown in the image below that's reported from XXXX. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Incomm Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given an electronic Vanilla Visa Gift Card for {$200.00} as a gift from work. I attempted to use it at XXXX. It wouldn't process it. I attempted to use it on XXXX, it wouldn't process it. I called XXXX and they stated that this was due to security reasons. I requested to speak with a supervisor, she stated they would tell me the same thing and that I should just keep trying to spend it at other places. This is an electronic gift card not a physical gift card, using it a physical location is prohibitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: PA
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 USC 16 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: PA
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 USC 16 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: MO
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:
Credit Bureaus claimed that the accounts were verified, but it is obvious that everything is electronic and therefore they never talk to anyone to do a " reasonable investigation '' as required by law I actually disputed some of the accounts directly to some of the creditors and they never responded to my request for investigation, just refuse to validate the debt they claim I owe as requested by the FDCPA., yet the bureaus turn around and tell me that these accounts have been verified by the creditor. I would appreciate it much if you remove the items I will be listing below

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 2023-02-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I had a checking account with citibank that was according to them closed a while back. A reason was never given to me. Unfortunately, i had used this account for my tax refund to get deposited for my XXXX taxes. Currently, state of CA gave some MCTR refunds and used our bank accounts from our XXXX taxes. There were XXXX deposits sent to this citi bank account XXXX in XX/XX/XXXX for {$700.00} and XXXX in XX/XX/XXXX for {$350.00}. Till this day Citibank never advised me of these deposits until I traced them. Ive called citi bank a few times this week and have been getting the run around. Last rep i spoke to was XX/XX/XXXX and he had me wait on phone for like an hour and he asked me about the XXXX deposits which i told him the dates and amounts and he comes back to tell me that he doesnt see the XXXX deposits that i mentioned above which I thought he was joking because that was a straight out lie as i had called the self service line and confirmed the XXXX deposits. He told me to please call back another time and hung up. I really need the money to pay my bills and citibank has already withheld my money for 2-3 months. All i want is for them to send me a check with my funds and close the account permanently please. Thanks

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 2021-06-18
Company: ONLINE Information Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I was made aware of a derogatory account/comment placed on my credit report by Online Collections regarding account number XXXX for the amount of {$790.00}. The original creditor of this debt was shown as XXXX XXXX XXXX XXXX New York. Prior to this, I was not aware of this debt, has I did not receive any communication  from Online Collections nor XXXX  XXXX  on this matter On XX/XX/XXXX I contacted Online Collections and was informed that my personal information including my SSN was provided to them by XXXX  XXXX, and that this bill was for treatment received at the emergency department at XXXX XXXX XXXX XXXX in XX/XX/XXXX. 

I have never been to the emergency room of any hospital in my life to date. 

On XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX XXXX through its billing department and its patient advocate department. after extensive discussions and file searches using my personal information ( Name, D.O.B, & SSN, Address ) it was confirmed that there are no medical records for me at the institution and there are no billing records for me there. I owe no bills to XXXX XXXX XXXX XXXX emergency department. 

On XX/XX/XXXX I contacted XXXX XXXX patient billing. After an extensive search of their records using my Name, D.O.B and SSN they informed me that they do not have anything in their system for me. I do not not owe them any monies at this time, I have never owed them any monies in the past, and they have no record of sending my information over to Online Collections. the fact is they do not have any record of me in their system, which simply means I owe them nothing, so there is nothing for them to send to Online Collections. 

I can not assume this issue to be a case of fraud or identity theft, as their are no records of me receiving treatment at XXXX XXXX XXXX XXXX XXXX room. There are no records of me at XXXX  XXXX. So no one has used my identity to access service form the hospital. The only one who has my personal information showing as owing this debt is Online Collections. If this was a case of fraud or identity theft then this would have have to be facilitated by Online Collections, or this is a gross mistake on their part. I also do not serve or act as a guarantor for anyone 's medical expenses or bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a refrigerator and stove on the XXXX XXXX website on XX/XX/XXXX. The purchase was made through XXXX XXXX XXXX because the delivery address was my mother 's house in XXXX. I used my Chase Bank credit card to make the purchase. n XX/XX/XXXX, I learned via a XXXX XXXX email that only the refrigerator had been shipped. Days later, I got another email from XXXX XXXX saying that the purchase of the stove would be reimbursed to my card because it was no longer available. The refund process was estimated to be completed within 10-15 days. Nevertheless, as time passed, the balance kept displaying on my account. I contacted Chase, and I continued getting messages in response advising me to speak with the merchants to inquire about the status of my refund and noting that they have up to 30 days to complete a credit. The XXXX XXXX noted that the refund had been fully processed, and I informed my bank of this. Chase became unresponsive, and I received notifications that my case was still being reviewed. On XX/XX/XXXX, I received a letter from Chase informing me that my dispute was valid ; however, no errors were found on this transaction, so the balance would remain in my account and would be reported to credit reporting agencies. I paid the balance because I did not receive a resolution and did not want to harm my credit. Please advise what additional steps I should take.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple fraudulent inquiries on report. 
I am a victim of Identity Theft. Please remove the below inquiries from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Enclosures : 1. Copy of Identity Theft Report 2. Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days. 

XXXX XXXXXXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX  XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Hired from a fraudulent company to work as an office assistant remotely from my home. They used XXXX to send money and deposited the money into my USAA ACCOUNT once it went through my bank and was cleared I sent back The extra amount that wasnt used the sent money became unavailable due to unavailable money from the company accounts and I was charged and told to repay all even after working with and reporting the company to the fraud department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation