BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was notified by email last week that an account was opened at Citizens bank in my name. I did not open the account. Today I closed the account with the fraud department at the bank and they told me to also open an account here. So someone stile my identity and I'm reporting it to you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an account with Barclays in XXXX. I have ALWAYS paid my bill on time using autopay, never been late, and paid more than the minimum balance of $ XXXX & periodically paid down the balance significantly. In XXXX, I paid off my acct in full. Then they sucked me back in by offering 3.99 % on purchases until XX/XX/XXXX. I was a sucker and took advantage of it & started using it in XXXX. I then set my acct up for autopay again to pay the minimum due. However, in XXXX, Barclays took my full amount due. I contacted them & stated that was not what I selected & their system mistake. The rep said she couldn't do anything about it although they had not taken the payment from my bank acct yet & that it would take up to 3 months to resolve. I said the whole point of contacting them was bc I could not afford to pay off the full balance at that time & needed my money. The rep said I needed to go through my bank so I did. My bank refunded the money to me & then Barclays refunded the money stating that I did not agree. I contacted them & stated I was not trying not to pay & immediately returned the payment it credited to me. Next thing, I get a notice a few days ago that my acct is late. I contact them & stated I had autopay on my acct but apparently they removed autopay when there is an issue. I contacted them XXXX bc I don't pay my bills late EVER! So I paid them almost {$1000.00} so that I am at 60 % of my credit limit of {$3200.00}. They XXXX me & REDUCE my credit limit to {$2200.00} when all I had to pay them was below {$50.00} minimum payment. THIS IS WRONG AND UNETHICAL! They are trying to ruin my credit profile with the credit agencies and limit my credit! Why? They got their money! I have been a card holder for 9 YEARS. Credit card companies should not be able to do this. If I had only paid {$50.00}, I'd have {$3200.00} credit limit. I told them I was going to report them and they committed revenge on my credit! While writing this I received a message from Barclays after an earlier message to them calling them out, and they have now reduced my limit to {$1700.00}. so now I have an outstanding balance over the limit which I have never had. SO UNETHICAL!

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 2021-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Submitted a request to Equifax to place a security freeze on my minor daughter 's account. ( XXXX  and XXXX  completed my request and gave me a pin for the security freeze ). Equifax took my money cashed it for the request and never sent me a pin # or confirmed the security freeze was on my daughter 's account. 


I submitted my request on XX/XX/2018 but to no avail. I also filed a complaint id # XXXX with CFPB but Equifax fail to send the pin # for my daughter 's credit report freeze. 


See attach the request I sent to them and the check that they cash but they fail to conclude with the request. ( XXXX  and XXXX  has placed security freezes on my daughter account and send me a pin ) Exquifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I submitted disputed and the 3 bureaus have not updated me on the accurate and verified the information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: GB Collects, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Despite communications with XXXX XXXX who is the original creditor that no balance was due to them, they turned over this bogus balance over to an outside collection agency. I have tried multiple times to find out what happened and merchant keeps giving me the run-around and false promises. In the meantime, they have destroyed my credit on a fraudulent baseless allegation of a balance due which had previously been satisfied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-10-27
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSCARD, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am facing continued trolling and harassment from TranscardXXXX  as of today XX/XX/XXXX which has been a process that stye have put me through for years. The card, card number, and card info they have sent me, today, is unable to be used to purchase a Gift Card on XXXX, to pay for an order on XXXX, and can not even be added to XXXX XXXX or linked to XXXX. Therefore, TranscardXXXX must stop wasting my time and send to me a check in the amount of {$8.00} ( and if they do, they can cancel this card ) instead of prolonging what is years of trolling and harassment. The card they have sent to me has {$8.00} on it, as per their online platform paynuver, and the last XXXX of the card is XXXX. Is expires on some future month and year that is after the period XX/XX/XXXX -- can not share more in this semi-public complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14
Company: JPMORGAN CHASE & CO.
State: MD
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:
There are numerous charge back and return fees on my credit card. I had let a friend use my amazon account but she paid with her credit card and now bc of differences between use she went to her bank and got a charge back on mutable purchases. And a check she wrote out to me in my bank account my credit and bank accounts are all messed up because of me trusting someone to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Submitted disputes with XXXX, XXXX, and TransUnion regarding Public Record being inaccurately reported on my reports XX/XX/2022. Each bureau stated the information was verified by 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-05
Company: EQUIFAX, INC.
State: CT
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, 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 2022-09-05
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I bought XXXX iPhones at the XXXX, MN XXXX XXXX and was charged for XXXX iPhones. 
After complaining to the CFPB, the XXXX XXXX XXXX the money to my checking account ; but the balance in the Apple Card remains with interests. 
There was another illegal charge in which I dont know. After complaining to the CFPB it was refunded to my checking account ; but the balance remains with interest. 
Both illegal charges added up to over XXXX XXXX dollars. 
I will attached the screenshots for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Cash app closed my account for no reason now has my money on the account Nd I cant access my money or cash out my money cash app disabled my card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
TD Bank has inconsistently responded to an electronic check return complaint by claiming 1 ) It was a bank processing error ( see letter dated X/XX/17 ), and 2 ) It was returned due to payment requested had a difference amount than listed for payment ( see emails dated X/XX/17 ). <P/>TD Bank offered a letter of apology and {$330.00}. In discussion with bank customer care analyst on or around X/XX/17 it was cited the monetary offer was insufficient, but later in a letter dated X/XX/17, I stated I was willing to accept whatever the Bank was willing to offer. <P/>The Bank has responded to this complaint inconsistently and in part inaccurately. TD Bank has not provided a reasonably expected level of care regarding accurate, timely, and transparent communications. This lack of care and the bank errors and omissions has caused me financial hardship which the Bank is solely responsible to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - XXXX Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit information.

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 2022-09-05
Company: LEXISNEXIS
State: TN
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:
I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I attended the XXXX  XXXX XXXX XXXX in XXXX. I signed a loan with my mother as a cosigner with the promise of the school that there would be " lifetime '' education, access to equipment and job placement assistance. The school closed without notice in XXXX. I stopped paying this debt in XXXX, after paying since XXXX with only a few lapses, due to financial hardships.The debt has been passed to a number of aggressive collections agencies and now appears multiple times on my credit report, reducing my score significantly. 

It is my understanding that our current President had to repay the students that attended his university as they were misled and essentially not given what they paid for. 

After research on current litigation, I believe this debt is fraudulent as I was misled by false advertising and false promises. I also believe the XXXX XXXX XXXX XXXX should be investigated and the tuition paid to this company masquerading as school should be returned to the people who attended their closed locations, including but not limited XXXX, VA. 

This debt, that I assume XXXX  XXXX XXXX XXXX has absolutely nothing to do with at this point, is hindering my ability to purchase a home, to return to school and to sign up for simple utilities for my family. Please do something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have been fighting with BestBuy since at least XX/XX/2021. My card expired, I never received the new card. The new card was apparently accessed by someone else, has been flagged by BestBuy as fraudulent and I have a letter of recognition of this. Yet I am continuously getting calls and letters from various debt collectors over this account that BestBuy itself recognized was done fraudulently.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent reports to XXXX, Transunion and XXXX. I havent received an update on my report in regards to my bankruptcy being reported incorrectly on my report. I have sent proof that XXXX has removed this report ( XX/XX/2022 ). 
I didnt give consent to report on my report. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2018-05-22
Company: BB&T CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I HAVE SENT MULTIPLE OF LETTERS ASKING XXXX XXXX FOR VALIDATION OF THIS DEBT THEY SAY I OWE THEM. I WENT TO THE SECRETARY OF STATE WEBSITE AND COMPLETED A UCC INFORMATION REQUEST AND I DO NOT HAVE A LIEN ON MY NAME FROM THIS COMPANY. XXXX XXXX company have been unable to show evidence of the alleged claims. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. I have attached the validation letters sent to their company.

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