BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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:
XXXX XXXX XXXX XXXX, has an account open in my name at an address i necer lived at, this acclutn was open due to fraud, this account needs to be removed off chexsystems, if this account is not removed i wlll turn this account over to the attorney i have hired, XXXX XXXX firm, i am a victim of identity theft and this accout was not open by me, so please remove this account ftom my report, this ftc identity theft report and complaint will be used against family savings credit union, my information was leaked on the dark web by XXXX XXXX and it has caused serious damage to my credit, my information has been compromised and used by scammers please don't force me to sue remove this account immediately, I am now suing XXXX XXXX In XXXX, my information was exposed in 2017 by XXXX XXXX and it has caused identity fraud and I have filed a police report in 2017 because my identity was used to have accounts open in my name and this police report is proof and investigation took place

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been a victim of identity theft these are accounts they opened with my name and they do not belong to me please removed them : XXXX XXXX XXXX XXXX BALANCE {$410.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$3300.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Account number XXXX Date opened XX/XX/XXXX2018 2018

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 2023-02-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I HAD a checking account for approx 8 yrs with Wells Fargo which I closed 4 yrs ago because they habitually were slow to apply deposits and held until debits were low and THEY racked up on charging me overdraft fees. I was constantly fighting with them and finally closed my account and the straw was when my ex-husband moved out of state, made his change of address on a Wells Fargo acct he held and WF CHANGED my account -- totally unrelated, to his address. It was constant poor banking

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 2023-08-24
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my account. 

On XX/XX/2023 I came to my Branch, located at XXXX XXXX XXXX, XXXX, FL XXXX. 
I came there to deposit check on my account. There the clerk of Citibank told me that my bank account was closed. 
I had a conversation with another clerk and his supervisor - there were not able to identify and explain the reason to close the account. Also they showed no interest to investigate. 

Important to mention : Citibank 's automated system called me on the week of XXXX XXXX XXXX XXXX  to settle-up an overdraft of {$12.00} that occur because of the standard charges for monthly account service fee, charged by bank. No other calls/warning from Citibank about closing my bank account were never received. 

By closing account that was not in the overdraft the bank cause great inconvenience to 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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
While looking at my report I found an Old XXXX XXXX XXXXXXXX Account that does not belong to me. 
I Confirmed with XXXX XXXX XXXXXXXX that account does not exist. 
I believe I am a victim of XXXX. 
I have asked XXXX and Transunion and all the credit reporting agencies to please remove. of all the credit reporting agencies. XXXX already removed it. 
Please remove this account.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX XXXX Balance : {$4000.00} ; XXXX  XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio RC XXXX ACCOUNT - XXXX The account balance reporting is {$120.00}. This account has been settled for less and the actual balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2021-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019 XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXXXXXX XXXX  data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing XXXX  made up for was the joke of a XXXX dollar check on the mail. 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 2022-11-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased furniture from the XXXXXXXX XXXX XXXX store in XXXXXXXX XXXX  I was offered 24 months free financing from their bank, Synchrony. We ended up returning a piece of furniture and replacing it with something else. In the end, I had XXXX interest free promotions on my account, XXXX for 24 months and XXXX for 6 months. The 6 month promotion had a starting balance of about {$1100.00}, so I paid synchrony {$200.00} / month to pay off the 6 month promotion in 6 months. I was recently hit with over {$250.00} in interest charges. When I called Synchrony, they said that my payments were being applied to both promotions, so I did not pay off the 6 month promotion. I was charged 30 % interest on the full balance from day XXXX ( over {$250.00} ). Synchrony was unempathetic and rude when I called. This was not made clear to me when I was offered the financing. The statements from Synchrony do not clearly state how this works. There is also no option to pay off the promotions separately. They are lumped together on the statement. This practice is deceitful and designed to mislead consumers. Additionally, while the interest rate may be allowed by law, 29.99 % is also obscenely high.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a borrower. The house is my primary residence. I experienced hardship during COVID and a New Jersey State governmental organization Emergency Rescue Mortgage Assistance ( ERMA ) found me eligible for the monetary assistance and we signed an agreement to that extent mid-XXXX. 

Their website is : XXXX XXXX XXXX/ On XX/XX/XXXX ERMA transferred {$2700.00} towards my mortgage to my lender Flagstar. On XX/XX/XXXX I called Flagstar 's Customer Service and the receipt of this payment was acknowledged. 

On XX/XX/XXXX Flagstar sent their inspector to my home, allegedly to check if I am still occupying the property or not, and charged me {$20.00} for the visit. 

On XX/XX/XXXX I called Flagstar 's Customer Service, got to speak with a supervisor, and I was informed that even though they acknowledged the receipt of {$2700.00} from ERMA on my behalf, due to the Flagstar 's internal " process '' they are unable to apply it to my account, and Flagstar considers me to be still " technically '' delinquent on payments. 

When asked to remove the {$20.00} inspection fee - supervisor refused to do so and, moreover, threatened to send inspector to lurk around my home again, and charge me {$20.00} again. 

Today, as of XX/XX/XXXX, the {$2700.00} payment from ERMA is still not credited to my account. 

Please find attached the screenshot of my online account taken today, showing that the next payment is due in XX/XX/XXXX ( meaning they consider me to be behind on payments since XXXX even though I am current and they acknowledged the receipt of the money ). 

Also attached is the latest statement showing {$20.00} " advance charge '' for inspection of my home. 

Supervisor told me that the next inspection of my home is scheduled on or around XX/XX/XXXX and she will not cancel it, and she will charge me another {$20.00} for 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 2023-08-21
Company: Block, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My brother attempted to send me {$400.00} via CashApp on XX/XX/2023. He sent the money to an obsolete account that I no longer have access to. Despite several attempts, CashApp refuses to either transfer the money to my current account, or refund it to my brother- the original sender. I have provided CashApp with ample information to verify my identity, but they are also asking for my old phone numbers and debit card numbers that I no longer remember. I'm XXXX and my memory isn't what it used to be. When I replace a debit card, I destroy the old one. To me, keeping money that doesn't belong to you constitutes theft, over the internet wire fraud, and since my brother and I are both older than XXXX, XXXX fraud. CashApp 's case number is XXXX and the XXXX XXXX is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a derogatory mark on my XXXX, XXXX and XXXX credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing.JEFFERSON CAPITAL SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX I logged onto my bank of America app and saw that a large sum of money was gradually taken out of my checking account. 
The transactions said cash app. I have been locked out of my cash app account since XX/XX/XXXX. I then called Bank of America to file a fraud claim on XX/XX/XXXX at XXXX. On XX/XX/XXXX I received a message in my Bank of America app that my claim has been resolved, denied and closed. This is unfair and they wont give me any of my money back. I called the fraud department back today and they reopened my claim but they said they have 90 days to resolve my claim and I wont be given any provisional credit. That is ridiculous I shouldve already been given a provisional credit but now I have to wait 90 days for this issue to be resolved. I have included all the cash app transactions with dates that I did not make below XX/XX/XXXX {$62.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$66.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$60.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: AL
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:
This problem relates to Experian, XXXX and XXXX Reporting Agencies. These agencies stubbornly continue to retain addresses that go back in some cases more than 30 years. 

1. These agencies won't provide a place on report to dispute ANCIENT addresses.

2. These agencies stubbornly report an " Also Known As ''. I NEVER USE AN ALIAS OR ALSO KNOWN AS NAME.

3. Name changes legally made LONG, LONG AGO are not reflected on report. The agencies are stubbornly holding on to OLD NAMES as though there is something to uncovered. 

Agencies IGNORE NAME CHANGED VIA DIVORCE DEGREE. Reports show last name XXXX ( OLD MARRIED NAME ) THAT WAS CHANGED VIA DIVORCE DECREE XX/XX/2002.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXXXX/XX/2023.

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a CFPB complaint against TransUnion XX/XX/23 demanding proper investigation pursuant FDCPA FCRA METRO 2 compliance into falsities, inaccuracies, and improper reporting onto my consumer report. TransUnion is lawfully responsible for reporting only validated, verified and accurate information to my consumer report. I attached the proper identification paperwork verifying that this complaint and investigation request was indeed authorized by me XXXX XXXX. I also mailed into TransUnion the proper identification paperwork again authorizing and giving my full consent for proper investigation. 

On XX/XX/23 I received the correspondence TransUnion attached ; stating that the investigation request wont be processed since there wasnt proper authorization by me to conduct the investigation.. how so?? This is another attempt by TransUnion to deny me my lawful rights to demand a proper investigation pursuant FDCPA, FCRA, METRO 2 compliance into the inaccurate fraudulent items that are being reported to my consumer report without proper validation causing me great irreparable financial harm. This is a conspiracy attempt against me by this company to illegally and unlawfully deny me my rights to fair and accurate Consumer reporting! This investigation was authorized by me as you can see!

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