BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX TransUnion. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX Bank USA XXXX/XXXX/XXXX 7. XXXX XXXX Bank XXXX/XXXX/XXXX 8. XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX, LLC XXXX/XXXX/XXXX 11. XXXX XXXX Bank XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13.  XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX XXXX/XXXX/XXXX 15. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 17. XXXX XXXX/XXXX/XXXX 18. XXXX XXXX XXXX XXXX/XXXX/XXXX 19. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX 20. XXXX XXXX XXXX/XXXX/XXXX 21. XXXX XXXX XXXX XXXX/XXXX/XXXX 22. XXXX XXXX XXXX/XXXX/XXXX 23. XXXX XXXX  XXXX/XXXX/XXXX 24. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

Sincerely 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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

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 2017-10-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2017 someone fraudulently used my Debit Card Number and Pin at a Chase ATM and withdrew {$200.00}. That same night I noticed the withdrawal, after knowing I did not use an ATM that day, and immediately reported it to the Chase fraud department. After reviewing my case, Chase responded to me that it was not fraudulent activity, and gave me 3 reasons : They used my Pin, my Pin was used successfully the first time, the location was at a spot within reasonable distance from my work. 

I called back and escalated this issue, knowing I had been robbed and someone else had my account information. Still, Chase has decided to not refund my stolen money. After looking into the matter more, I asked a Chase representative to give me the timestamp of transactions for that day. I was advised that the ATM withdrawal was done at XXXX. I asked when my purchase at XXXX XXXX was made, and was told XXXX. After looking at the differences in time, it is absolutely impossible that I could get from the bank ATM where I was robbed to the XXXX XXXX location where I paid for lunch. This proves I had the card in my possession and it was not myself that withdrew the money. Still, Chase has refused to refund my stolen {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14
Company: CBC Companies, Inc.
State: GA
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 new and updated information regarding my last complaint. Innovis believes that my previous complaint did not come from me. I have attached proof of my identity and this statement shall certify that I am the complainant/ consumer listed on the attached letter and attachments. I request that Innovis respond to my previous complaint XXXX via the CFPB. If Innovis must call me, I will only accept calls on Fridays after XXXX EST or Monday-Thursday after XXXX EST. My case ID is XXXX : I have previously disputed alleged accounts for XXXX  and Department of Education however, Innovis alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Innovis, XXXXXXXX XXXXXXXX nor the Department of Education can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX 2.Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: D2 Management LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection of a debt that has been paid since 2009. 

XXXX XXXX, no message left XXXX I called back at XXXX XXXX XX/XX/XXXX Spoke with lady and notified her of the situation after she explained she is trying to collect a debt on a XXXX  XXXX XXXX XXXX Charge-off, for over {$3000.00}. I explained that the debt is paid off since 2009 and I need to send a certified letter to her via physical address. My call dropped after I got just the city name. 

I called back and spoke with a different lady, who did not know who I previously to as " she is probably still notating the account ''. She verified my ID with last four of social security. I explained the situation to her as well and requested physical address for certified letter. She said " I 'm just an account rep, let me get you to an owner who can give you the information you need ''. I was put on hold for a couple of minutes. 

A XXXX XXXX answered from the complaints department. I asked if she was an owner and she said " No, but I can get you to one ''. I explained I was told it would be an owner, then explained yet again the situation. I asked for physical address she stated " Please hold while I can get some help with that ''. I held for a long time, probably over 5 minutes. It rang through to a rep again, being XXXX XXXX. She explained " the phone disconnected due to the long hold. Yes, let me get someone who can help with the physical address XXXX XXXX ''. I asked how she got that last name as they were calling for XXXX XXXX ( I never gave her XXXX, my legal last name ). She did not answer my question, nor did the following man. 

XXXX then answered. I explained again. He was more firm with me and offered a XXXX XXXX XXXX I informed him that " both the NY FTC and the attorneys I have worked with have advised physical address only for certified letter. The post office also requires it ''. XXXX rebuttled " Yes you can [ receive certified mail by XXXX XXXX ], we get them all the time. A little yellow card ''. I demanded again to get the physical address " So you are denying me the ability per federal law to send a certified letter of payoff to prevent you from illegally collecting on, or selling, this debt ''. He still denied so I demanded the XXXX XXXX which he provided very slowly. I then demanded a listed phone number. 

I informed him that I would be reporting D2 Management to the SEC and appropriate government agencies for denying to provide sufficient contact information for me to prove payoff. XXXX stated " Please do file. Please do ''. 

Conversation ended - 15 minute call during my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing documents requested from company under the name : Portfolio recovery and associates inc. I have noticed multiple inaccuracies and violation under the consumer laws. As a result, I hereby challenge any claim that may owe ; the company. 

Reason ; the company has my name & address inaccurately ; violation The company has inaccurate, misleading amounts owed ; violation The company has not provided proof that statue of limitations has not passed in my resident state ; violation Company has not provided required license or bond to collect a debt in my state of Florida ; violation Company has not provided documents of which may show my signature as proof that I agreed to pay what the company claims I owe ; a violation of FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am in the process of purchasing a home and had my credit pulled for the upcoming closing, which shows a 30-day late payment for XX/XX/XXXX with Macys. This derogatory mark was not reporting on my initial credit pull XX/XX/XXXX for the loan and is inaccurate reporting. Due to this error my FICO scores have dropped almost 100 points therefore hindering my loan process. I reached out to Macys who advised this was inaccurate reporting and to call back on XX/XX/XXXX where I would be provided a letter advising of the correction so that it can be submitted to the bureaus ( to restore my FICO scores ). I reached out today, XX/XX/XXXX, and after being passed around and on the phone for over an hour I was finally advised that it will take 30 days to obtain the letter of correction. I do not have 30 days that I can wait. I am filing this complaint as I feel I have exhausted all routes with Macys to have the incorrect reporting fixed asap so that I can proceed with my home purchase. I need this corrected ASAP via e-oscar with the credit reporting bureaus so that I can have my FICO score ( s ) restored to proceed with the loan.

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 2022-03-14
Company: BARCLAYS BANK DELAWARE
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
Credit Card was charged for an amount that I could never afford for a vacation rental in XXXX, Colorado. I called the credit card company and they did take out the charge from my account and said they will investigate. I received a letter from the credit card company saying that the merchant still could place back the charge into my account. I have never been to Colorado and I am working in my state when my credit card was charged. I just hope to have an end to this matter. I am ready to close my account but because I would like to follow up with the result of the investigation not only for my benefit but also for the benefit of my fellow public consumers. Be vigilant on what is going on with your credit cards. I am thinking of just paying in cash right now. It is very scary especially that I am an elderly that could not follow things.

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 2019-04-04
Company: EQUIFAX, INC.
State: NY
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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXk Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX OF XXXX Card Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX FXXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I opened an account with Citizens Bank using {$20.00} transferred from another bank account. On XX/XX/XXXX I used mobile deposit ( in the app ) to deposit a check for {$1200.00}. Per their own funds availability policy if there is an extended hold {$220.00} should have been made available and the rest held. 

The next morning {$220.00} showed available, but I did not yet have my debit card. So I went to the bank to withdraw it to pay my electric bill which was scheduled to be shut off on Saturday. By the time I got to the bank the {$220.00} was taken back. I decided to give it another day or two. On Saturday, still seeing that the check is on hold but unable to tell when it will be released, I called the local branch. The girl told me that the hold is scheduled until THURSDAY ( XXXX ) then told me not to use mobile deposit for my checks and that she can't help me now " even if she wanted to ''. She agreed to talk to " back office '' on Monday. Meanwhile my electric gets shut off.

Yesterday ( Monday ), I get call, the girl from the branch tells me that she didn't bother calling back office because her branch manager said they can't help me. Soo, the branch manager TOLD someone not to help a customer. I hung up with her and immediately called the customer service line. As I'm on hold, I get my debit card in the mail. I think, good, I can at least withdraw the {$20.00} I had in there.

NOPE. Citizens bank froze my card with no warning and held it for " account review ''. So now, not only can I not access my {$1200.00}, but I can't even touch the {$20.00} that was already cleared.

Once I finally ( 20 minutes later ) get someone on the line I explain all this to them and they say that something on the check didn't look right, and that's why the extended hold. This is a XXXX check, that I was able to call XXXX in 2 minutes and verify that it was good. But I'm told only the mythical " back office '' can do anything. They started a claim for me ( XXXX ) but told me the back office may not get back to me until Thursday. So basically STALLING so they don't have to release the check hold. At no point did the app tell me that I wouldn't have normal access to the funds. At no point did I get anything saying they would disregard their funds availability policy and not only that, but freeze my card so I couldn't even use the {$20.00} that is in my account. 

At this point I just want my funds RELEASED. I have been without electric since Saturday. I can not heat, cool, cook, flush my toilet ( electric well pump ), or even heat up a freaking baby bottle. Meanwhile Citizens does EVERYTHING in it's power to delay helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Sevice to Equifax, disputing inaccurate reporting of bankruptcy on my credit report. 
The letter was signed for by a representative of their company on XX/XX/XXXX. 
( See attached letter ) On XX/XX/XXXX and again on XX/XX/XXXX,  Equifax responded to my complaint and stated that the information was " verified. '' On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service, to Equifax requesting that the description of the procedure used to verify the accuracy and completeness of the information was hereby requested. Signed by a representative of their company on XX/XX/XXXX. 
( See attached letter ). 
On XX/XX/XXXX Equifax, once again sent the the identical letter as " verified, '' with no explanation of the verification procedures. Only stating that public record information is obtained through a third party vendor, XXXX XXXX. 
On XX/XX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of bankruptcy on my credit report. 
( See attached letter ). 
On XX/XX/XXXX I sent certified letter, XXXX, via US Postal Service to Equifax once again, explaining to them that the Bankruptcy Court does not report to credit agencies, nor have a relationship with them. I included a letter, obtained by The Federal Bankruptcy Court. This was signed by a representative of their company on XX/XX/XXXX. 
As Equifax continues to report on my credit report, Chapter XXXX Bankruptcy, reported by XXXX Federal Bankruptcy XXXX-XXXX, XXXX XXXX XXXX XXXX, PA. 
( See attached letter ). 
On XX/XX/XXXX I personally called Equifax, and spoke with a representative, and told her about the numerous attempts that I have made to have this erroneous information removed were futile. She stated that I should submit an online dispute, which I did on XX/XX/XXXX. I again, included the letter from The Federal Bankruptcy Court, stating that they do not have a relationship, nor report to credit agencies. As the information listed on my credit report is listed as being reported by XXXX Federal Bankruptcy Court, XXXX, PA. 
On XX/XX/XXXX, Equifax once again " verified '' the information. 
On XX/XX/XXXX XXXX XXXX responded to my initial letter on XX/XX/XXXX, and deleted information in their bankruptcy records based on my dispute related to case number XXXX. 
( See attached letter ). 
I am filing my complaint today in order to have Equifax remove this inaccuracy from my credit report.

Company response to consumer: Closed with explanation