BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been a customer for CITIBANK for over a 7 years now, however, and out of nowhere, they have started bugging me non stop for ID verification requests by mail, online, and calls. I tried numerous times on their mobile app to submit my REAL ID California state issued driver license but the app kept rejecting it without giving me any reason why. However, they emailed me a letter many times through encrypted links that you can't read without a password and in the same time the letter has expiration date then it vanishes so to trace for it but I took a screenshot of it and I'll attach it to the complaint. 
I submitted my Real ID California DL through their encrypted links at least twice but Mr. XXXX XXXX from citibank called me many times requesting to submit another type of ID to accept it for verification purpose based on the same list that shows in the letter they kept emailing through the encrypted link. 
The only accepted list according to Mr. XXXX is : US Passport, US Birth Certificate, US Green Card, Certificate of Naturalization, Non US Passport with Visa, or NON US Passport with Work Authorization Card.

So Valid California DL is NOT accepted for them and I must submit one of ID verification from the list above OR they will block my accounts ( and they already did block them so far ) then they will cancel and close them. 
It's obvious that they are NOT looking for ID verification since I've been their customer for over a 7 years and kept rejecting my DL, rather in reality they want a verification for immigration status!

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 2022-03-12
Company: Experian Information Solutions Inc.
State: LA
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:
1 ) XXXX and Experian REFUSE to remove an account that was as a result of the XXXX breach, while XXXX removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) Experian has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW

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 2022-03-12
Company: JPMORGAN CHASE & CO.
State: PA
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:
My identity was stolen and used to make a fraudulent purchase on a Chase XXXX Credit Card. The amount is {$1300.00}, used for a fraudulent " XXXX '' purchase. The transaction/pickup of the merchandise was made 1 hour from my residence. Why would I have a package delivered an hour away from my residence? It is fraudulent and I will have an attorney present with me in court. This purchase took place on XX/XX/2021. A police report was made, as well as contacted the attorney generals office, and made a report with the FTC. The first attorney told me I needed to hire a private investigator and would cost me more than the charge I am currently fighting. Chase will not stop harassing me for payment for this FRAUDULENT charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello Ive been having someone trying to open accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents below includes the following. Thanks

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$120.00} XXXX XXXX {$290.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1500.00}

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 2022-03-12
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX  # XXXX, has violated my rights. 

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

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

They sent me a lot of private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account in XXXX with BMO 's  promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included government payments. I went out on XXXX XXXX in XXXX and started receiving XXXX payments from the state of california. These are processed electronically through XXXX XXXX XXXX as they are loaded onto a debit card. You can then direct deposit ( the website specifically shows this term ) into your checking account online. After receiving benefits I direct deposited the amounts to both my new BMO account and my older XXXX XXXX account. On my XXXX XXXX account it shows up as a direct deposit for the category type. For BMO they are telling me it is a fund transfer and I am therefore not eligible for the account promotion, despite them listing government payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30
Company: Diversified Consultants, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, when a mortgage loan was in process, an account that does not belong to Diversified consultant # XXXX that collects a lost balance with XXXX XXXX of XXXX was reported. This information reported incorrectly is adversely affecting the process of the purchase. I need to correct this information immediately and be awarded to the person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: PA
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:
Hello over the years I been trying to dispute these account XXXX have not provided me with correct information nor answer me within the 30days time frame this is holding me back from getting my home Im trying to purchase a home As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( Equifax violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2017 at XXXX ( CST ) I called XXXX.  I am XXXX and trying to payoff my entire mortgage before the scheduled sale date. My investor was on a 3 way telephone call with myself and lender XXXX. I gave a 3rd party authorization to speak on my behalf due to my XXXX, and we were informed that they would not be allowed to take 3rd party authorization by phone due to Texas State Regulation. We then asked for the State Code that prohibited a 3rd party authorization from speaking with an XXXX representative, withstanding verbal consent from the borrower, and we told that he was not sure of the Code or Texas Regulation. 

We were then informed to go online to request a payoff, and as such I did, and was not able to log onto the website as it showed an error. 

We then spoke with XXXX to get assistance and we were informed that they could not assist us, and that a payoff would be forthcoming in a few days. 

Bottom line : We are ready to pay and XXXX is preventing that from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for a short sale with my second mortgage lender USAA on XXXX/XXXX/XXXX and have proof of my lenders approval and a XXXX closing statement showing that i was the seller. However, I have proof that XXXX is reporting this and it is showing up as a foreclosure on my credit report under XXXX. I also understand that the " Date Reported '' can appear more recent due to attempts to get my short sale credit correctly coded. This error in credit code and date has impacted my ability to get a new conventional mortgage after my XXXX month wait time frame. It is causing me to not be able to purchase this new home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: LA
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:
1 ) XXXX and XXXX REFUSE to remove an account that was as a result of the Equifax breach, while Equifax removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) XXXX has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On several occasions Chase Bank unfairly assessed and collected Overdraft Fees on certain Debit Card transactions. Account has been closed so electronic statements are unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Two of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX TRANSUNION - XXXXXXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX XXXX on XX/XX/XXXX TRANSUNION XXXX XXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX EXPERIAN - XXXX  XXXX on 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 2022-03-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This old debt from before XXXX for an Auto purchase loan for about {$2500.00} they now want {$12000.00} for this charged off debt. This Charged off debt is continually being sold from one collection agency to another. 

In XXXX the prior collection agency Asset Acceptance , LLC sued me and the XXXX XXXX Court dismissed the debt. 

About ever 12 to 15 Months, I receive a new threat of reporting me in collection to the Credit Bureau 's and to be sued from an other Collection agency that they have sold information. 

Attached is the current threat as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Paid account XXXX XXXX XXXX in XX/XX/XXXX. The credit company did report the amount owed as {$0.00} in XX/XX/XXXX, but it is still listed as a collection on TransUnion now in 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 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
XXXX of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.

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 2020-04-25
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: Account status incorrect

Complaint:
I made a dispute with Transunion about an error in my credit report stating that I was delinquent on a payment back in XXXX XXXX, 2020. They told me they'd get back to me within 30 days. They did not. I had to reach out to them everyday after the 30 days to find out the status of my dispute and they gave me no answer and told me to call the bank that told the Transunion this delinquent error I had. I called the bank, XXXX XXXX XXXX and filed a dispute as well. They reached back to me 3-4 days around XXXX XXXX, and told me that it was indeed an error on their part and that they would update and report to the credit bureaus that the delinquency was an error and needs to be removed/deleted. We are now in XXXX going in to XXXX and nothing has changed and Transunion and any of the other credit bureaus have yet to update and fix this error that's severely damaged my credit score

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 2020-04-25
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC has discontinued money transfers through mediums like XXXX, XXXX and XXXX. There is no way to send or receive money without using a check. In today 's world that is unacceptable. I now have to link credit cards which require a transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offered a promotion and given opportunity to pay within 6 months without interest. I deliberately paid my balance down to XXXX from a XXXX credit limit so that my balance would not yield such a high interest prior to the 6 month period. I paid {$130.00} for the month of XXXX but when I received the XXXX statement the XXXX payment was entirely used for interest. I contacted the company and they said that this would be the approximate amount that I would pay on a monthly basis. So my response was " are you saying that t am paying this amount every month '' and she responded yes but offered an option to pay at least {$400.00} in a few days to avoid these continuous charges if I wanted out of this. I could not believe what I was hearing. I did not want to make payments because it would never pay the principle as long as I used this card. They continued to call me repeatedly meaning at least 5x a day. I took the call and was making an arrangement with them and there was a disconnect. I called at least five times to make some sort of payment consideration to of no avail speaking to a supervisor which offered no solution. They closed my account even though I was willing to pay the past due amount. They agreed that a representative mislead me. Now this communication has caused serious delinquency and credit reporting issues. The misleading phone call was on XXXX XXXX, XXXX. I also have tried to make contact with Synchrony corporate offices regarding this matter and credit card customer service said there is no number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12
Company: EQUIFAX, 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:
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$4700.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$9100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$2400.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX  XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$5000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation