BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: CITIBANK, N.A.
State: NY
Product: Credit 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 was the victim of credit card information theft. Someone opened an unauthorized XXXX XXXX with my credit card information and booked a hotel room in Florida through a travel website. I filled a dispute with Citi group. They denied the dispute and said they were legitimate charges even thought the name, location etc on the booking is clearly different Than me. I attempted to file an appeal with Citi group through their fraud prevention department. They repeatedly disconnected the call and hung up on me when I attempted to file the appeal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-05
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:
I obtained my card from XXXX XXXX on XX/XX/2021. 

In violation of 15USC 1681 ( Fair Credit Reporting Act ), XXXX  XXXX has daily harassed me via email and has shared my information with third parties without my permission. 

I have communicated with XXXX XXXX several times in an attempt to resolve this issue, but the only response I have received has been increased harassment ( multiple daily emails ).

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 2023-10-15
Company: RentDebt Automated Collections, LLC
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX XXXX XXXX XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX XXXX XXXX XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not XXXX percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX XXXX XXXX account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On Transunion ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX  30 days late, XXXX 90 days late, XXXX 60 days late, XXXX 30 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 60 days late, XXXX  60 days late, XXXX 90 days late, XXXX 60 days late, XXXX 120 days late, XXXX  90 days late, XXXX 60 days late On XXXX ( Inaccurate 7 late payments reported ) in 2021 - XXXX - 30 days late, XXXX 30 days late, XXXX  60 days late, XXXX 30 days late, XXXX 90 days late, XXXX 60 days late, XXXX  30 days late Please investigate if every piece of information is correct on the reported late payment history. 
I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2023-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed for a fraud claim, at the time my card was with me but purchases to places I had not been but do frequent we're charged to my card. The claim was closed and I was charged back in the amount of {$250.00}. There was no paperwork sent to me regarding this. The representative was not helpful when it came to this and was claiming information that I did not have that the claimed I do. Upon searching for this information they claim I have I can not find any records of it.

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 2022-08-12
Company: U.S. BANCORP
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I attempted to make a withdrawal from my account with USBank at a local ATM here in XXXX South Carolina, the transaction was denied .I contacted the bank on Wednesday, and explained what had happened .The bank representative stated it was an issue with my identity and I needed to verify who I was .I did the verification on Wednesday as requested. Called the bank on Thursday, spoke with a representative and the same issue was reported to me, again I sent my state ID and another selfie to the bank verification system, called and spoke with the representative again to make sure the ID documents were legible and that everything was according to the request the bank had made. 

The representative loaded all the information and stated to me that everything looked fine the ID and selfie was clear and that was all they needed from me for the issue to be cleared up once the verify associates looked at the documents and cleared all documents submitted. I called back on Friday XX/XX/22 now we have a fraud issue along with verification that the bank could not verify that I was the individual that owned the account .I have had issues with this bank since Pennsylvania XXXX deposited my funds in the account .The bank have a freeze on my account, I can't retrieve XXXX single XXXX from the account I have attempted to resolve this ongoing issue for 3 days now without any resolution. I spoke with a representative supervisor ( XXXX ) that told me to contact the state concerning my funds because they couldn't identify me

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 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-10-11
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: Their investigation did not fix an error on your report

Complaint:
I noticed a large collection on my Credit report in XXXX of XXXX with XXXX XXXX XXXX XXXX Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : 1 ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
2 ). XXXX XXXXXXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
3 ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on 2 separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus yet the Credit Bureaus did not seem to look at the documentation which clearly shows that XXXX is not allowed to report this information because it is violation the Court Order. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt one last time to see if the bureaus would remove this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Vinci Law Office, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Vinci Law Office ( XXXX, Colorado ) had a debt placed with them from a bank which was under the impression that I owed them money. The debt was disputed immediately on my end, and the collection practices continued. The debt is now past statute but they are attempting to obtain a judgement with a court date set for XX/XX/XXXX. 

The amount of the debt they are claiming I owe is {$2800.00} from a date of service XX/XX/XXXX ( XXXX years old ). 

XX/XX/XXXX - A Cease Communication Order was faxed to Vinci Law Office from myself ( with confirmation of receiving ) XXXX The process server hired ( XXXX XXXX of, or formally of Agency XXXX XXXX XXXX XXXX , CO ) was sent out to serve my papers and attempted to do so at incorrect addresses as well as a former place of employment. 

XX/XX/XXXX - Called Vinci and spoke with XXXX who said did see cease communication in place, and addressed the improper behavior from their process server ( XXXX XXXX ) towards me on the phone, stating he would pass along my complaint. 

XX/XX/XXXX - XXXX XXXX ( process server ) attempted to serve me at the SAME incorrect address as attempted on XX/XX/XXXX ( considered harassment ). 

XX/XX/XXXX - XXXX XXXX appeared on my property to serve me papers from a debt which is past statute of limitations. As I attempted to get a plate number from the vehicle he was driving in order to verify, or complain if needed, XXXX began calling me profane names ( including " XXXX XXXX '' ) His direct harassment towards me was recorded on my cell phone. When I called Vinci, I spoke to a gentleman named XXXX who stated he showed my case was closed, and was unable to help because of that. He suggested I email their legal department. I did email the legal department to get clarity on XX/XX/XXXX, with no reply. I sent another follow up email today XX/XX/XXXX. 

I would like to file a complaint for both harassment from the process server hired to serve my papers, as well as against the agency for attempting to collect a debt which is well past statute of limitations in our state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NV
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 HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Capital Link Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My daughter contacted me saying that a debt collector contacted her and my ex-wife, after they have never tried to reach out to me. The collection agent gave them detailed information about my debt and full story behind it, as well as names of parties involved, amounts owed as well as dates and other details. I contacted the company XXXX Capital Link Management LLC ) and spoke to an agent who was very unprofessional right from the start making threats of arrest and lawsuits. I recorded the conversation where he also threatened me saying he has access to my social media and will reach out to family and friends. I kept asking if it was legal for him to give out my information and details of my debt to a third party and he insisted that it is legal to do whatever it takes for them to collect. A second agent also said that my daughter claimed she was my employee and it was legal for them to give out the detailed information of my debt. My debt involved a check that was given to me by a client for services provided. I cashed the check at a check cashing business and that check later came back as insufficient funds. They are unable to collect from the issuer so they are coming after me. 
Capital Link Management llc is acting like they are attorneys and police making threats and acting unprofessional. They have terrible reviews on XXXX and will do anything to collect even if it involves breaking the law and regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
n accordance with the Fair Credit Reporting At XXXX XXXX XXXX XXXX  as 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On or about XX/XX/XXXX I reached out to who I thought was a client of mine via text and asked him to set aside some baseball tickets for me like always. We begin to have a conversation nothing unusual. Who i thought was a good client of mine said that he had reached his XXXX limit and wanted me to XXXX  a contractor some funds to finish a job on a condo him and his wife had recently purchased, I had no problem with it because he have been a client of mine since XXXX. Between XXXX XXXX a total of XXXX was sent. On XX/XX/XXXX I was scheduled to meet what I believed was my client at his place of business. I arrived at the business and talked with my client at that point he showed me his phone and there was not text thread from us and began to tell me that his number was cloned and he was working with XXXX XXXX to get his number back. At that point i contacted Chase Bank to file a claim of fraud. The bank told me it was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have tried to fix this issue with each credit bureau, Transunion, XXXX and XXXX for sometime now. I disputed these fraudulent inquiries from my reports and have even sent them an FTC as they each requested listing the inaccurate information and they are refusing to remove the inquiries. It is illegal for them to report inaccurate information on a consumers reports and I am demanding that they delete all of the fraudulent inquiries from my credit report. I have also attached my FTC 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 non-monetary relief