BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Transaction was made on XX/XX/2018 using XXXX pay as a service provided by my bank, Citibank, for goods that were later not received. {$250.00} was sent to an individual using this service to an email account. An request for transfer cancellation was filed on XX/XX/2018 with my bank. They stated that they would contact the bank to which the funds were sent and put a hold or refund on this. Today I received a letter from them saying to contact the recipient to resolve the matter. That is not the service theyd claimed they would provide. This is extremely frustrating as there is no notice that this service does not provide any form of fraud protection. They have stated at this point there is nothing they can do. Ive asked for the details of their investigation, but again they said there is nothing to investigate as I had transferred funds in accordance with your instructions. I am shocked they offer this service to their clients without complete clarity.

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 2023-07-29
Company: EQUIFAX, INC.
State: TX
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: TN
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 been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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/2021, I went to ATM to take out {$500.00}. There are 2 ATM machines at the drive thru at Bank of America. When I tried to take the money out, it did not give me the money, the machine acted as if it did. I immediately called the XXXX # on the machine. It was the XXXX Fraud #. The rep told me to try again and he would enter a number on his end. The machine did not give me the money again. I told him there was another machine next to me. He said to drive to that machine and try it again. So I did. That 2nd machine disbursed the {$500.00}. When I went home, I looked on my account online and the statement showed 2 {$500.00} deductions. I called the XXXX Fraud line again and they told me not to worry, that they would put in the dispute and temporarily put the {$500.00} back in my account. Two weeks ago, the BOA took out {$500.00} from my account and informed me that the dispute was lost because they found that the transaction was valid. I appealed it and it went back into re-consideration. I was recently advised that I lost the 2nd dispute and could not appeal again. -- I'm told that the camera shows me receiving the money. But, I was informed verbally by the rep, that the dispute was made on the 2nd transaction and the video was only viewed for the 2nd camera. Not the first transaction and not for the 1st ATM camera. When I asked them to show me the proof, they said I had to get a supheana. They also told me verbally that they checked both cameras and both ATMs, but they won't put it in writing. The rep I spoke to informed me verbally that the dispute is only for one transaction, but the claims department won't let me put in a 3rd dispute for them to look at both cameras for both ATM machines. I didn't receive {$1000.00}. The transactions shown on my statement are not time stamped, therefore, I don't know which one is first and which one is 2nd, so I don't know which one they disputed and which one is right and which one is wrong. All I know is that I only received {$500.00}, not {$1000.00}. I have attachments showing that they only say they viewed 1 camera for 1 ATM.

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 2023-11-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Made purchase using XXXX XXXX  prepaid visa card to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Californa XXXX. Control for sauna heater, the part was defective and never worked. Contact the XXXX   XXXX about problem and they gave me a return authorized number.I paid to ship the part back. XXXX XXXX never refunded my my and made many calls and leave messages no return call. So disputed the invoice XXXX and confirmed with tracking they receive the part back. Disputed the claim with XXXX XXXX CARD Incomm Inc XXXX. XXXX XXXX XXXX Georga XXXX Certified mail. After a few months INCOMM Inc that XXXX XXXX INVOICE TOTAL XXXX NON REFUNDABLE {$27.00}, {$51.00} 30 % RESTOCKING FEE {$110.00} TOTAL AMOUNT DUE XXXX XXXX mail me a the balance on the card in check in roughly {$3.00} left Closed the account and said I had to deal the vender myself.After back and forth with prepaid Card XXXX XXXX   XXXX XXXX XXXX still have no refund and XXXX XXXX   closed the case. Not even the amount that was stated in the paper of refund from XXXX XXXX, XXXX out of the money to return shipping on the part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I originally filed a complaint regarding fraudulent practices conducted by USAA Federal Savings Bank. I received nothing more than a generic response from them. Now I have to file a small claims suit against them. I will obviously receive judgment in favor because attorney 's are prohibited from small claims court and I highly doubt the CEO will show up. Even if the CEO did show, I'd still receive judgment without much effort. Consumer beware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 sent out dispute letters to each Bureau XXXX, XXXX, Transunion regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached proof of my dispute letters to each company XXXX, XXXX, Transunion and also The FTC report regarding the unauthorized inquires.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
These bureaus has over 50 hard inquiries to my consumer credit report. These inquires are not tied to any open accounts that I have and I do not recollect any of them. XXXX will not remove any of the inquiries and they are causing me hardship and severe damage to my personal and business life. My home life is grossly effected and causing a great deal of harm to me and my family. This is identity theft and per 15 U.S. Code 1681c-2 they have to be removed. Pursuant to 15 U.S. Code 1681b this is not a permissible

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 2023-07-24
Company: EQUIFAX, INC.
State: KY
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an old unsecured business loan that is showing up on my credit report. It was to XXXX XXXX XXXX. It was purchased by XXXX XXXX XXXX. The debt was settled with XXXX XXXX by myself in 2019. Now there is another amount for {$9200.00} showing up on my credit supposedly originally owed to XXXX XXXX XXXX. I have disputed this debt numerous time through the credit agencies. I have asked for original documentation of the loan, which they can not provide. No documentation has been forthcoming. I just get back a message that the debt has be validated by XXXX XXXX XXXX. Aren't they required to provide the loan contract to me. They can not, because it doesn't exist. It feels like they are in cahoots with XXXX because XXXX is paying them to report old XXXX debt. 

I have just let the reporting sit out there because obviously they can't collect this debt that is not real. But now it is affecting my ability to get a mortgage.

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 2023-07-24
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MN
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:
The following XXXX XXXX Credit Card Account and Card currently listed on my XXXX and Equifax credit report is lost/stolen : XXXX. My XXXX XXXX XXXX Credit Card is lost/stolen. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card I am having trouble with is the Citi VISA card associated with COSTCO. For the past two months they have delayed processing my payment until the last day or as in this cycle did not process the payment at all. I pay my bills in full and mailed this cycles payment on XXXX XX/XX/2021. According to them it has not arrived. This is the only bill that has been a problem. Every time I talked to someone they blame the mail, saying some payments do not get processed for 20 or more days which always takes it to the past due point. Their only option is for me to sign up for direct payment, or give them my bank routing number over the phone. My concern is that they delay processing in order to get you to sign up for direct payment.

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 2023-07-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXXXXXX Account # XXXX 30+ days past due for XX/XX/2023, XX/XX/2023 and 30+ days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keeps calling my personal cell phone 3or4 times per weekday sincr XX/XX/2018, trying to reach my adult daughter.l do not have any debt with this company. Why they harassing me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I've recently applied for a loan for an investment property home improvement. The Loan was denied for reasons that don't accurately follow the listed process for credit approval. I have an existing loan with this company, have never had a late payment, and was approved by the company when at the time I applied for it I had more credit debt and inquiries than I currently have. Additionally, my credit score is higher currently than when I was approved for the previous loan. There claim that I have " too many recent inquiries '' for which the total amount is only 4 and this includes there's recent inquiry. The most recent inquiry was 6 months ago and the other 2 are a year old. None of my revolving credit is over 50 % usage yet they claim it is too high. My overall credit is 45 %, and nowhere on the site does it state the threshold of what is considered " too high ''? Based on what they do state on their site which is " Apply, Accept Loan, and deposit '' as well as the " Characteristics shared by XXXX customers '' my applications beyond qualify but the reasons for decision-making do not add up and are misleading and or inaccurate to the process of applying.

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