BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
My identity has been stolen and my data was exposed and hundreds of imposters fraudsters have taken my life away or any benefit that i am entitled to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NE
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, 4681 charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with a customer service rep at Living Funding, I explain to him that I do not have an account with them. He was requesting personal information in which, I refused to provide due to identity theft. I am requesting proof of me taking an account out with them. Along with them to stop reporting inaccurate information and the removal of the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Colony Brands, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I'm not exactly sure of all the details as I did not open these accounts. I have had my information stolen. Have been disputing these for several months. I've contacted the issuer 's, also through XXXX. Nothing has changed. I don't know how to prove that it was not me. There are several lots for trailers and mobile homes for rent on the property. A small rural community in XXXXThe only way I could prove my mail or information would have been stolen is to provide the several reports both with XXXX and published on several websites about the consistency of mail theft in my town by dozens of people. I never received anything nor did I even open up this account. First being a Montgomery Ward card. According to my credit file, was opened XXXX, in the amount of {$200.00}. Second fraudulent account XX/XX/2021, the amount {$480.00}. It's a puzzlement that myself and others are the victim, yet continuously being treated as the criminal. Meanwhile the scam artists and thieves hardly have repercussions to their actions. I'm a XXXX XXXX XXXX  on a very small fixed budget. This has debilitated myself. Also had and is causing detrimental effects to my already XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Our business opened a new business checking account with CitiBank branch at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX on XX/XX/2022. According to Citibank advertisement, we are qualified for the new account sign-on bonus after completing the following : 1/ Deposit a certain amount within 30 days and maintain it for 60 days. 
2/ The bonus will be credited to our business checking account within 90 days. 

We made the deposit on the same day XX/XX/2022 and maintained the balance until today XX/XX/2022, more than XXXX days. We should be entitled to the new account bonus by now as advertised by Citibank. Yet, when we came to the Citibank branch, its employee blamed its back office, but when I called its back office ( XXXX ), its employee then blamed the branch. They are giving me a run around to Customer service, to XXXX XXXX branch to Business support back office for more than 1 month WITHOUT any results. Every time I contacted them, Citibank would have a different stories. 
I believe Citibank is conducting a false advertisement to lure consumers to deposit money into its bank. 
I

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
TransUnion has neglected to fully investigate the dispute after three letters have mailed to them requesting validation of the alleged debt from 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 2023-06-17
Company: Experian Information Solutions 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 with the Fair Credit Reporting act 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 has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-04-30
Company: Adela, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021, I received two back to back calls while I was at work. Since the number was a local one I answered but was having trouble understanding the lady on the other end so I told them I would end the call and step outside to return the call. 
When I returned the call I gave my full name to a woman named XXXX who answered. She told me she would transfer me to the correct department and then the phone was answered by a woman who identified herself as XXXX. I again told her my first and last name and that I was returning a phone call and asked what the call was regarding. She told me she couldn't tell me what the call was concerning until I confirmed my social security number with her. I responded that as they had contacted me and had not even told me what company they were and that I was not going to give out my private information to someone over the phone. She told me that she didn't have to identify her company or the reason that she was calling until I gave her my social security number. 
I even asked if this was for a debt collection or something similar and she told me she wasn't going to give me any information because the law prevented her from doing so. 
I told her I would just end the call and block the number to which she replied that if I did she would put a note on my credit file which would cause my credit score to fall. 

I ended the call and called back to speak with someone else. Again XXXX answered the phone. I once again gave her my full name and told her the situation that had just happened. She told me that again they could not give out any information without my social security number. I asked her to identify what type of business she worked for and she told me they " do many things. '' I asked if there was a supervisor I could speak with about the illegal comments that were made to me by XXXX and was told that the only person above her was the owner who did not have time to deal with me. When I mentioned that I believed that the company was acting in a illegal manner by making threats and that I would be reaching out to consumer protection agency about this incident, XXXX suddenly switched from antagonistic to pleasant and told me that she would be happy to set up a call back with the owner who previously did not have time to deal with me. 
I ended the call. 
A few minutes later I did call back to verify the information of who I spoke with, the company name and address, and the owners name. 
The info provided to me was : Adela XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX Owner 's name : XXXX XXXX Never once did either agent on the phone identify themselves as a debt collector even when directly asked. They were evasive of my questions and kept asking for my social security number.

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 2023-09-16
Company: EQUIFAX, INC.
State: NE
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: MO
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Block, Inc.
State: TX
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 made a purchase using my CashApp Card for XXXX on XX/XX/19 and the amount was {$190.00}. As soon as I placed the order with XXXX the order was cancelled immediately. I have spoken to the merchant in regards to the pending hold on my cashapp card but they have informed me that they have already released the funds back to my card. 

I have tried to contact CashApp about this and to have them release my funds back to me but they have been rude hanging up on me and they have refused and denied me to speaking with a manager. 

I have even emailed a manager from CashApp and offered to give them the auth code and transaction Number that shows that the funds were sent back and they refuse to look them up or even gather that information from me. 

I need help getting my money back since CashApp is refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
MY NAME IS XXXX XXXX I LIVE AT XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. IM TRYING TO FIGURE OUT WHY THE PERSON I LIVE WITH IS COLLECTING MY BENEFITS, AND HOW LONG HAS THIS BEEN GOING ON? YOU SHOULDN'T NEED ANY PROOF THE CARDS ARE ADVERTISED ON YOUR WEBSITE.I WOULD APPRECIATE IF YOU FIX THIS SITUATION ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of refinancing our home with Freedom Mortgage. 
We started the process back on XX/XX/XXXX. At that time our estimated close date was the XXXX of XXXX. I have had to reach out each time to communicate and ask for an update on the status of our loan. 
We have provided all documents that the company has reached out about in an extremely timely manner, same day or very next day, so clearly we arent holding anything up. 

After reached out to one of the customer service reps, XXXX, at the beginning of XXXX, since we had heard nothing and we should be closing, we were told that they had everything and the close date was pushed back to the XXXX of XXXX, not a problem. 
We then received phones called on the XXXX, XXXX and XXXX of XXXX stating that they had everything they needed but were waiting on a third party, XXXX, for subordination, fine. 
We then received a doc u sign email on the XXXX of XXXX stating that we needed to provide more document, weird since the last 3 weeks we got calls about how they had everything. 
So at that point I called our original rep, XXXX, to ask what these were about, since they came from his email. 
I spoke with XXXX who had no idea why we would have gotten that. He did let me know that they needed updated info since it was taking so long. 
One of the question they had for my husband was about his parents address, somehow the underwriters need an explanation for it, but ever had a question about it in the beginning when they pulled his credit. 
After providing everything, even things that XXXX missed on the email, by XXXX the following morning, we still had no update. 
I had also asked XXXX the following evening to have a supervisor call, no one did. 
I then asked XXXX to have his supervisor call me, this was on the XXXX, which also never happened. 
I ended up reaching out to XXXX the morning of the XXXX and asked to speak with his supervisor, in which he transferred me to XXXX XXXX. 
I spoke with XXXX and expressed my concerns about the process of the refinance and how frustrated I was with the extreme lack of communication. 
He stated that he would look over our file And figure out what was going on and either call or email that day with the Status, which never happened. 

I called and left two messages on Thursday, XX/XX/XXXX, and still have not heard back from anyone. 

This is extremely irritating and frustrating. 
I would NEVER recommend this company to anyone.

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 2023-09-16
Company: EQUIFAX, INC.
State: NE
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
Hard Inquiry Date : XX/XX/2018 Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I would like it removed immediately. I have contacted the Creditor and they are not responding. I would really appreciate your help in this matter which is affecting my 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 2019-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
deposited a check for roughly {$13000.00} written from the same bank I use in IL to Bank of America account here in XXXX. They placed a hold on the check. I believe they have to provide me with a reason for placing the hold and Bank of America representative told me they do not. I researched Rule 229.13 from 12 CFR paragraph E and G which says if they have a reasonable doubt about the funds they have to give me a written statement why there is a hold, not just that there is a hold but the reason. Overdrawn often, out of date check, etc.

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 2023-10-18
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
Equifax staff appear contemptuous of correcting Biden student loan forgiveness information. See attached email and documentation. I have submitted multiple disputes but the staffer holds out in contempt.The balance is XXXX, no lates. 
( *Equifax Counsel please do note given common CFPB complaint tactics by companies that CFPB replies must be in language understandable to the least sophisticated debtor, not include answers or information not asked for by the complaint, or other obfuscating tactics, and must address the complaint directly in a simple answer, otherwise the response will just generate another CFPB portal complaint, and another, and another, until an appropriate response is recorded into the CFPB portal )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NE
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: EQUIFAX, INC.
State: NE
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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: TN
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:
Sent multiple letters off stating that I was involved in identity theft. Even sent the police report and asked if the creditor would remove the false account but they never took action.

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 2023-09-16
Company: EQUIFAX, INC.
State: TX
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:
HELLO, I AM A VICTIM OF ID THEFT. ON XX/XX/2019 SOMEONE USED MY INFORMATION TO OBTAIN XXXX XXXX FROM XXXX XXXX XXXX XXXX  IN THE XXXX. OF XXXX, AND ON XX/XX/2019 THEY WENT TO XXXX XXXX XXXX XXXX AND DID THE SAME THING IN THE XXXX. OF XXXX.

Company response to consumer: Closed with explanation