BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-28
Company: Experian Information Solutions 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: 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 : {$4000.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$610.00}.

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 2022-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681. U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights U.S. DEPARTMENT OF EDUCATION Account number XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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 7 years. 15 U.S.C. 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CB/XXXX. I have had this account for like 6 years. I use it and I pay it on time regularly. 

On XX/XX/XXXX, I called in and asked what is the payoff amount so that I may close the account with a XXXX  balance. They told me the pay off amount was approximately {$85.00}. I paid the full amount immediately and they confirmed it would be closed. The payment went through. I confirmed with the rep that my account was closed and they closed my account. 

Three months later, I got a bill for about {$180.00}. I called them and they said that is what I owe but I told them that I already paid the payoff balance and that they closed my account already. What are the charges for? They said it was the late fee since it was not paid on XX/XX/XXXX. How can there be a late fee when I paid off the full amount balance and request the account to be closed and they closed my account on XX/XX/XXXX. 
The payment and closure happened BEFORE THE DUE DATE, so no late fees and interest should have been accrued. 

Now my account is reporting with a balance of {$250.00} for the late fees and interest accumulated over six months for an account that I paid off and closed. This is not how a business should be run. 

I spoke with representatives three times and even though they confirmed I paid off the account and closed it on XX/XX/XXXX, they still insist it was late on XX/XX/XXXX and that they will not remove the fees/interest unless I pay them. I feel these fees and interest are not my responsibility if I did my due diligence to pay off my account timely and in full. It seems like this is an error on their part and it is their responsibility to rectify it by removing all financial responsibility on my part and reverse any adverse actions to my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XXXX XXXX, XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Opened : XXXX. XXXX, XXXX XXXX : {$860.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020 I opened a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ) with First Citizens Bank. On XX/XX/2020 I received an email stating XXXX additional accounts were opened and ready to use. XXXX was a checking account ( ending in XXXX ) and a savings account ( ending in XXXX ). First Citizens Bank fraudulently opened this second set of accounts under my name. After informing the bank of this fraud, a Customer Support Specialist by the name of XXXX stated : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. Our records indicate that a total of XXXX accounts were opened in the month of XXXX. The accounts that you noted, were opened two days prior to the other checking ( XXXX ) and savings account ( XXXX ). First Citizens Bank does not open accounts without a direct request from our customers. For security purposes, we require a signed letter to close an account. If you are unable to close your account at the branch, you can call us directly at the number below to close your account by email. You can also close your account by submitting your request in writing to the following address : First Citizens Bank Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX Please enclose your account number, your signature, and instructions on where to send any remaining funds, as well as a good daytime phone number should we have any questions. You XXXX also fax your request to XXXX. If you are closing your account within XXXX months of opening a checking or savings account with us, you are subject to an early close out fee of XXXX  

If you need further assistance, please do not hesitate to send us a message or call us toll free at XXXX XXXX ( XXXX ). You can also contact us internationally at XXXX. Our representatives are available Monday through Sunday between the hours of XXXX and XXXX XXXX. Thank you for contacting First Citizens Bank. We appreciate your business. '' I am attaching the emails confirming the dates I stated which contradict the Customer Support Specialist 's claims. First Citizens Bank is refusing to close the fraudulent accounts they opened unless I pay XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: LoanCare, LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is an ongoing billing error dispute in which was initiated by me and is still currently being disputed. There have been several violations committed by the company during the dispute invading consumer financial protection bureau laws : XXXX XXXX, XXXX : Company sent a letter threatening to report nonpayment to the credit bureau if not received 30 days from the XX/XX/XXXX ( Adverse credit reports prohibited ) - Several phone calls from customer service and the default department to make a payment during the dispute ( Consumer 's right to withhold disputed amount ; collection action prohibited. ) -The company is not providing full disclosure in contract -The entire principal balance is in dispute since XX/XX/XXXX. There were several attempts to settle the debt. 
- Request specific documents from the company but did not receive them in a timely manner -Abuse of debt collection practice -Failure to validate debt or provide proof of funds

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 2023-05-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 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 Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$5100.00} ; XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for home loan with Bank of America again. My current home was finance by them, and I paid it off with ten years a thirty year montage. I applied was preapproved and told about the discount for XXXX  and me being a good consumer. Application # XXXX. Several week later I had to submit document, and told I had to pay for appraisal and credit report. I submitted the payment via debit card. I ask Mr. XXXX XXXX XXXX XXXX why so early, and have my credit report which is free for BOA clients. Several weeks later I was phoned that my loan was denied, and I will get results in mail. I received the letter from BOA that unable to verify income. My paycheck has been submitted to my checking account since 2008 with BOA. I did closed on the property and had to repay for a new appraisal fee. I ask several times about refunding the fee, and no response. The new mortgage company could not use their appraisal, which was never done, because house was not build. I never received a appraisal report. I have been a loyal customer since 2008, but They are no longer have me as consumer. I want to resolve this issue by mailing my appraisal fee back to my new address. I had very good experience with Bank of America, but after this incident they have lost me as a customer. Everyone says BOA has poor underwriter for home loans and they need to terminate all their underwriters. I am closing all my account with them and going with another bank.

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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2019-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX XXXX/XXXX : {$310.00} opened XX/XX/XXXX XXXX ) XXXX XXXX/XXXX XXXX XXXX : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX/XXXX XXXX XXXX : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX/XXXX XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXX/XXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX XXXX ) XXXX XXXX : opened XX/XX/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 2021-11-30
Company: CITIBANK, N.A.
State: NV
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:
On XX/XX/XXXX I was subject to fraudulent charges on my Citi bank credit card account. My wallet was stolen which contained my ID, and XXXX credit cards. My other credit card company quickly rectified the situation after I reported my card stolen. I also reported to Citi that my wallet, ID, and card were stolen. However, Citibank has yet to resolve the XXXX charges totaling {$1100.00} dollars. 

The case was originally closed in XXXX after Citi spoke to the merchant without any follow up or requests for additional information to me. I formally requested that the case be re-opened and that I was further disputing the resolution. Over the last XXXX days, I have provided a variety of information requested by Citi including : Police report for the stolen wallet XXXX appointment confirmation for new license replacement New license XXXX receipt Original Citi Fraud Alert dated XX/XX/XXXX where they themselves flagged the activity as fraud Resolution notice from my other credit card company that successfully already resolved The information seems to go into a black hole, and the level of support from Citi has been very discouraging and does not appear to follow the regulations set forth in the Fair Credit Billing Act. The basis for my complaint includes the following : The total time this has been ongoing is now XXXX days which well exceeds the XXXX expectations laid out by the Fair Credit Billing Act. 
The lack of communication from the Citi phone representatives has been extremely disappointing as they dont have the latest information and have required me to repeat information every time I call in asking for updates. 
No real updates are ever provided other than that another team is looking into it, yet they have no way for me to contact the other team. 
The conduct and demeanor of the phone representatives have been accusatory and discriminatory in nature. Instead of looking out for my best interest as a XXXX year customer I feel taken advantage of and left unprotected. 
Not reopening the case despite my formal request to do so verbally and in writing. This goes against the Fair Credit Billing Act. 
They have charged me interest and late fees even though these charges are under investigation which goes against the Fair Credit Billing Act for charges under investigation. 
They have reported by account delinquent to credit agencies XXXX and XXXX which has now dropped by credit score by XXXX points. This goes against the Fair Credit Billing Act for charges under investigation.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im a victim of identity theft. Someone used my information to medical care at XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit report that I owe for this fraudulent charge Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have been a customer with cash app for over 6 years, have used their services plentiful. On Tuesday, XX/XX/XXXX, I went to an atm and the machine was faulty and did not dispense cash. I opened a claim and as of Sunday, XX/XX/XXXX I was credited back. Today i attempt to purchase and send bitcoin as I have done now for over a year and was flagged and closed today without explanation. This was normal activity to buy sell and send.

Company response to consumer: Closed with explanation