BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2023 Citi-VISA blocked my card on XX/XX/XXXX. They claim there was suspicious activity. I reviewed my account online and verified all of the transactions. I am in XXXX and had posted a valid travel notice with Citi-VISA XXXX I spent over one hour on the phone. The two representatives would not identify which transactions they questioned as suspicious. They claimed they could not verify me me. I provided the code from the travel notice. They said a letter would be sent to my address in the US. But provided no details. They are too quick to claim a transaction is " suspicious ''. 

Blocking the card put a hardship on me since I needed to use the card to get back to the US. There was no real reason to block the card. I had been making regular purchases with the card will in XXXX. They wished to call my phone number of record. That is a US phone number, there is no one home to answer the phone. I gave them my XXXX phone number, but they didn't call that number. 

Blocking the card for a cardholder traveling out of the country results in a terrible inconvenience because credit cards are such an important payment method for travel expenses. I was regularly using the card before they blocked it. There were no suspicious charges. And I filed a valid travel notice. 

I called back again, that representative was able to verify me with the travel code and claimed to have unblocked the card. 

This was a terrible inconvenience and not the first time I've experienced problems with Citi-VISA while out of the USA. They need to place less emphasis on verification by phone, especially for those traveling outside the USA that can't use their USA mobile phone overseas and/or are not at home to answer their home phone.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: TX
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:
when i seen the report on my experian report around XX/XX/2022 i noticed the tremendous amount of inquiries i had ive tried to dispute the inquires with them and also remove the information that wasnt mine as far as personal and accounts. i ask for a supervisor and they hang up in my face its ridiculous. and i cant even get the report for the other bureaus so i could only use XXXX XXXX and i couldnt just call them and ask them whats on there so i can dispute it they keep tell telling me to do my research and come back ignoring the fact that i cant get a updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I CAN NOT get my credit report from Transunion CRA. This is an ongoing problem with Transunion. I contacted CFPB the 1st time in XXXX, then XXXX XXXX. XXXX, XXXX, now today XXXX - it just doesn't stop! You fixed it, however, Transunion CRA is doing the same thing again and again and again! They are doing this deliberately and by design. If you want, your employee/s can come to my home and I will prove it in front of them. OR, I will come to your office on your PC and prove it to you. Transunion CRA WILL NOT COOPERATE AND MAKE IT EASY FOR A CITIZEN TO GET THEIR FREE ANNUAL CREDIT REPORT. No one or no agency is making them do this so they are laughing at you and me, XXXX XXXX XXXX and NOT cooperating. 

Transunion must be forced to follow the law or be PUNISHED to the maximum penalty amount for NOT following the law! Hit them in the pocket book and they may listen! 

I have no problem or complaint with XXXX  or XXXX XXXX XXXX. Let 's work as a team to nail Transunion CRA and make an example of them! Let 's stop their nonsense AND make them pay money. Keep hitting them with violation after violation until they learn.

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 2023-07-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In the month of XX/XX/2023, The company XXXX XXXX XXXX combined my student loans together. Previously, there were 3 accounts that emerged into one account held by XXXX. By doing so the major credit bureaus : Experian, XXXX and XXXX XXXX dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my FICO score tremendously.

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 2023-05-07
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I started receiving emails from a Resurgent on XXXX XXXX 2023 about a payment has been received for a XXXX account Ending in XXXX for an amount of {$620.00}. And now a company LVNV Funding LLC has this acount. This account is over 18 years and I have not made a payment nor know about this accouny as it is not on my credit report or any other creditworthiness documentations. 

How can someone make a payment or whatever they said to pop this up to say this is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2019, I called Lexis Nexis to correct my ( clue ) report for car insurance. The report they mailed me from XX/XX/2019 or so, indicates a lot of duplicate to be deleted- mistakes about me-where I lived duplicated and incorrect to be deleted. Duplicated mistakes about my name to be deleted. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I sent the attached letter to the courthouse asking if they report bankruptcies to the credit bureaus, and I received a letter stating " The U.S. Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. If this is the case, how do the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

According to 15 USC 1681 section 603 ( 3 ) ( 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 consumers reported on or with others with whom he is acquainted or whom 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 reporting or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S. C 1681 section 602 A states I have the right to privacy.

In addition, according to 15 U.S.C 1681 Section 604A, Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USCs-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please refer to the two bankruptcies cases below, XXXX XXXX Case # XXXX Filed on XX/XX/XXXX CXXXX XXXX  Case # XXXX Filed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, INC.
State: FL
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:
I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX , XXXX ( XX/XX/2019 ) XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX XXXX ( XX/XX/2019 ) XXXX XXXX/XXXX ( XX/XX/2019 ) XXXX ( XX/XX/2019 ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regard to this matter. 

Thanks in advance for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 initially contacted Bank of America ( BoA ) on XX/XX/XXXX regarding a disputed charge that a vendor acknowledged I previously paid but could not refund the charge immediately. The charge was to my local electricity company for {$500.00}. The vendor admitted that this charge was made in error, but I had to pay them in the immediate to turn my power back on. I know that BoA did not contact the vendor because I've spoken to the vendor numerous times since and receive confirmation that BoA did not contact them. The vendor recommended I file a dispute with my credit card company ( BoA ) as this was the quickest way to resolve the issue. On XX/XX/XXXX, BoA asked for additional documentation about my claim and a signed letter from me instructing them to continue to investigate. I was given the deadline of XX/XX/XXXX. On XX/XX/XXXX, I completed the required paperwork and documentation and saved an electronic copy on my computer for upload via BoA 's portal. When I logged in, BoA has disabled the upload function 5 days prior to the stated deadline. I immediately contacted BoA in order to request this be re-opened. I reached a customer service agent and was assured the portal would be re-opened the next day. It was not. I then contacted BoA three more time that week with the same outcome. I was then told my claim was closed and would not be reimbursed ( although my ability to provide documentation was denied 5 days prior to the deadline ). I have seen talked to BoA three times and they have repeatedly been hung up on and denied any assurance that my claim would be re-opened. I faxed my documentation to BoA and still have not had my claim re-opened. I am 12 days away from my payment due date and this charge has still not been removed from my account because BoA has unfairly made it impossible for me to provide additional documentation about my claim. I have attached the paperwork and documentation BoA initially asked for to this complaint. I just need them to re-open my complaint and actually communicate and investigate.

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 2023-05-08
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Application number : XXXX I did not submit a request for pre-qualification. Mistaken identity or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
my identity was stolen.

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 2023-05-07
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a statement from Destiny indicating I have a credit card with it, ending in XXXX, which I have never applied to and I have never heard about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: MD
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 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 2023-09-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I already have American Express platinum and gold cards before I applied for the American Express green card. The sole purpose I applied for the green card on XXXX was for the XXXX bonus points the company offered at the time. American Express instantly approved my application for the green card on that day without any warning or complications. And I instantly received email confirmation that the green card was being shipped. 

The stipulation to receive the XXXX bonus points was that I must spend {$3000.00} or more within six month, which I complied. I paid the card 's annual fee of {$150.00} and spent more than {$3000.00} by mid XX/XX/2023. And I also paid off the entire balance a few days ago ( current balance XXXX  ). Yesterday, I called and also chatted online with American Express. To my surprise, they stripped off the XXXX points without my knowledge. Had I knew the bonus points were declined, I would have withdrew my green card application and certainly would not have spent {$3000.00} on the card. This looks like a " bait and switch '' practice by the company. 

On American Express website, they have detailed terms for the bonus offer, which I copied here for your reference : " OFFER TERMS You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' In my case, the " OFFER TERMS '' was a lie. The company did not notify me in any form or shape regarding my ineligibility for the welcome bonus offer before I completed the card application online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: MI
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:
US depart of EdXXXX {$9000.00} US depart of EdXXXX {$9600.00} US depart of EdXXXX {$1100.00} State of Michigan office {$18000.00}. 
XXXX {$480.00} In accordance with the Fair Credit Reporting act. The list of accounts above has violated my federally protected consumer 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 that 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 adverse item of information, other than records of convictions of crimes.

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 causes to believe that the information is inaccurate.

Ive called more than 6 times and asked for the original signed contract and I never received it. It seems these credit report agencies are above the law, and nobody will do anything about 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 non-monetary relief