BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fifth Third Bank, XXXX XXXX  XXXX XXXX, XXXX, Michigan XXXX. I as a new customer to the bank visited this branch to open a new checking account. Fifth Third is now offering a {$250.00} promotion bonus new account  opening with terms and conditions with a qualifying account. I did all the research on available accounts to choose. On Wednesday, XX/XX/2020 I went opened an account named Free Checking that has no minimum balance requirement. Its the best one for me to choose to avoid any fees. I spoke with a Rep, her name is XXXX XXXX XXXX to open the new account. I made it very clear to her, I wanted the Free Checking account. And not the one called Essential Checking which has minimum balance requirement and monthly fees. She assured me that I was set up with the Free Checking account. This was not the case, she lied and as I was sitting at her desk. She purposely opened the account named Essential Checking without my acknowledgement and authorization. Receiving an email from 5/3 corp telling my new account Essential Checking is opened. I showed her the email on my phone. And she said its worded wrong and don't worry about it. I was told from her I was all set, and she did not give me any documentation of the new account I have. She purposely lied and gave me a account I did not want. I drove to another branch in XXXX, Michigan and asked the manager what exactly account do I have. I was told the Essential Checking. Furious I was of the corrupt behavior that I was lied to. The manager there closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I retrieved a copy of my personal credit report and saw that a bankruptcy had been reported across all three major credit bureaus. 

I contacted the US. Bankruptcy Court to investigate this information and to verify who they report information to. 

The Bankruptcy court responded saying that they do not report information to any credit bureaus. 

I contacted all three bureaus and enclosed a copy of the correspondence that I received and requested that the inaccurate information on my report be removed immediately. 

I received no response from any credit bureau in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
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 purchased a vacation fare from Costco XXXX on XX/XX/21 using my Citi Costco Card for {$470.00} to include airfare on XX/XX/21 and XX/XX/21 and 2 nights hotel for XX/XX/21 and XX/XX/21 at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX OR. When I checked into the hotel, I provided my name, reservation information and Citi Costco card for incidentals. I incurred no incidental charges and used the level of room ( 2 queen beds ) that I reserved. I completed all travel on those dates. When I returned home, I saw that I was charged {$190.00} by the hotel for services that were covered by the Costco XXXX reservation. I submitted a dispute to Citi for the {$190.00} including documentation of the reservation. On a letter dated XX/XX/21 that I received on XX/XX/21, Citi stated that because I received services I would not receive credit. Instead they started a dispute for {$190.00} against Costco XXXX. I received the services I paid for from Costco Travel ; the hotel charged me for services that they were paid for by Costco XXXX. At no point was I contacted by Citi about opening a dispute against Costco XXXX. 
To remedy this, Citi needs to resolve my dispute correctly with XXXX XXXX and remove their dispute against Costco 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 2023-08-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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 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 2022-03-22
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Evening, Mam or sir. Ive been having problems with XXXX reporting Fraudulent items on my credit report that dont belong to me. 

I have working with the district attorney regarding my identity that was stolen years ago and was recently used in a XXXX. Ive asked XXXX to delete this And it has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Experian Information Solutions 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:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- the list of accounts with full account number and open date are below Fraudulent accounts- 1.XXXX XXXX-open date XX/XX/XXXX 2.DPT ED/XXXX- open date XX/XX/XXXX 3.DPT ED/XXXX- open date XX/XX/XXXX 4.DPT ED/XXXX- open date XX/XX/XXXX 5.US DEPT ED- open date XX/XX/XXXX 6.XXXX  original creditor-XXXX XXXX XXXX XXXX XXXX open date XX/XX/XXXX 7.XXXX XXXX XXXX open date XXXX XXXX 8.XXXX XXXX open date XXXX XXXX 9.XXXX original creditor-PHOENIX XXXX XXXX XXXX XXXX-open date XX/XX/XXXX FRAUDULENT INQUIRIES XXXX XXXX Date open XX/XX/XXXX 2.US SM BUS ADMIN ODA date open-XXXX XXXXXXXX, XXXX 3.XXXX date open-XXXX XXXX  XXXX FRAUDULENT ADDRESS 1.XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX FL XXXX FRAUDELENT NAME 1XXXX 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 2023-01-20
Company: EQUIFAX, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
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:
We had closed our account with a cell phone company in XXXX of XXXX. All contract and billing requirements were met. In XXXX of XXXX ( 8 months after closing this account ) our credit card was charged for a phone that had not been returned. We disputed this charge with the cell phone company, but to no avail, and with our credit card company. 
Unfortunately, 8 months after the fact, we could not find the receipt for the phone return. 
We felt that since the cell phone company billing showed that it had been 8 months since our last business transaction, no charge should have been approved without a new contract. The credit card company upheld the billing stating that an investigation had been performed, and the original contract of XXXX was acceptable. As a result, we had to pay {$350.00} for a phone that had been return, 8 months after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Diversified Recovery Bureau LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On or about XX/XX/18 diversified recovery bureau llc XXXX diversifieldrecoverybureaullc.com contacted my mother in law XXXX XXXX and attempted to get information about me. She informed me that the caller identified hersel as XXXX XXXX. I called them back and informed them that this practice is not acceptable and should not continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After getting no where with my auto insurance company I have decided to seek action with the consumer finance. My auto insurance apparently issued a check payable to me AND the repair shop. The check specifically states the word and. Come to find out the repair shop deposited the check without me knowing and with one signature and the bank ( Chase bank ) deposited the check in the excess amount of {$14000.00}. The bank acknowledged it was fraudulent and not allowable but was not willing to remedy the situation. I need help with this and demand the bank to fix this. The check needed to be endorsed by myself and the shop. I have a copy of the check for needed evidence. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MD
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:
The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) Experian ( 14 ) XXXX  ( 12 ) Open Accounts Reported - XXXX  ( 14 ) Experian ( 2 ) XXXX  ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) Experian ( 12 ) XXXX  ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) Experian ( 1 ) XXXX  ( 1 ) Derogatory Accounts Reported - XXXX  ( 12 ) Experian ( 11 ) XXXX  ( 8 ) Collections Accounts Reported - XXXX  ( 11 ) Experian ( 10 ) XXXX  ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) Experian ( {$26000.00} ) XXXX  ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) Experian ( {$13.00} ) XXXX  ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) Experian ( 3 ) XXXX  ( 7 )

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 2022-03-22
Company: EQUIFAX, INC.
State: MD
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:
The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) XXXX ( 14 ) Equifax ( 12 ) Open Accounts Reported - XXXX  ( 14 ) XXXX  ( 2 ) Equifax ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) XXXX ( 12 ) Equifax ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) XXXX  ( 1 ) Equifax ( 1 ) Derogatory Accounts Reported - XXXX ( 12 ) XXXX ( 11 ) Equifax ( 8 ) Collections Accounts Reported - XXXX ( 11 ) XXXX ( 10 ) Equifax ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) XXXX ( {$26000.00} ) Equifax ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) XXXX ( {$13.00} ) Equifax ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) XXXX  ( 3 ) Equifax ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Checkr, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My birth name is : XXXX XXXX XXXX. This company ; Checkr, did a bank ground check for a potential employer ; XXXX. The report entailed erroneous info with 3 different alias ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These different names are not XXXX XXXX XXXX, I dont know them and have no affiliation with them. Additionally, the information contained in the report was for those people and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting 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 XXXXXXXX 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 a 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 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 explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: SC
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 asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX XXXX Account # XXXX which is a credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2013 Experian on 10/01/2013and XXXX XX/XX/2013 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act convergent Account # XXXX 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. it also states a consumer reporting agency can not furnish a 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
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The three credit reporting agencies are having names on my credit reports that is not for me and address that I do not leave in. I have requested that it must be removed and nothing has been done. 
My name is XXXX XXXX. No other names should be in my credit report. 
my Adress is XXXX XXXX XXXX XXXX XXXX ny XXXX no other address should be in there.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT 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 a 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 2023-03-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-09-20
Company: EQUIFAX, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly.

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my credit score.

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation.

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future.

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please help me removed the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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