BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On or about XX/XX/2018, I receive a letter from Citi Bank stated that they were unable to locate my application for XXXX XXXX XXXX Visa card ( please see attachment Citi Card Letter ). Citi bank also request my application ID number on decline letter. 
On or about XX/XX/2018, I provide the Citi Bank with my application ID number on decline letter ( application id XXXX ) via email ( please see attachment ) On or about XX/XX/2018, I contacted citi Bank to ask about status of of my case. 
Until now, Citi Bank refused to give me any answer. 
I believe Citi Bank discriminates against me because of my race XXXX, Nationality origin XXXX, Sex XXXX, Age above 40, and Exercising in good faith my rights under the Consumer Credit Protection Act ( I filed complaint against Citi Bank to Consumer Financial Protection Bureau Case # 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 2018-07-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Re : American Airlines Credit Card Acct # XXXX XXXX XXXX XXXX I contacted this company regarding this account as I have not received a statement. 
The person who did not give a name or employee number said the account was closed in XXXX  2018. I have no statement to advise me what if anything, I owe. 
I have no statements for 2018 at all. Please help me get to the bottom of this situation. 
Also any negative information reported to the credit bureau should be deleted. 

XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Closed my account without a LEGIT reason. Pay my bill on time, not carrying a outstanding debt, and have not redeem my rewards points yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: WI
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 RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
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:
All.of these accounts on my cresot report that I didn't authorize proofnis in the uploaded file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I don't have texting services. I set up a Verbal Passcode with BOA for authentication. 
Every time they ignore that code and try to send me a text message. 
Now they're forcing me to go to the branch every single time to authenticate myself!!!! 
I can't use the card, nor pay it off, etc. Or even cancel the account.

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 2020-10-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine. They are inaccurate information, and need to be removed immediately from XXXX, Equifax, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Each month I receive my FICO score with my XXXX card statement. Besides just providing my score, it provides additional insight into the five components used in calculating the score. Of the five components, Revolving Credit Utilization ( RCU ) accounts for 30 %, the 2nd most important factor, and is the basis of this complaint. 

For months now, my RCU has been incorrectly showing extremely high. I contacted XXXX to inquire, but was advised they only report information provided them by TransUnion ( TU ). They further advised I contact TU directly, and provided me a telephone number ( XXXX ). 

When I tried to submit a complaint on the TU website, I was not able to do so as their complaint process involves selecting a creditor from one 's credit report to complain against. This is not the case here ... it's not a creditor problem, it's a repository problem. I was unable to find a way on their website to complain against THEM ( TU ). Additionally, attempts to contact them by telephone were unsuccessful. No matter what options I tried, I was either provided information via automated recording, or referred to their website - no option to speak with a human. 

As shown on the first attachment, as of my XX/XX/XXXX XXXX statement, they ( TU ) are reporting my total RCU to be 80 % ( Total RCU debt of {$5300.00} ). Based on the 2nd attachment ( " Chart '' ), I believe this reported RCU to be incorrect. 

The chart shows each revolving credit account I have, the credit limit and balance for each since XX/XX/XXXX, and my RCU. As you can see, my RCU was at it's highest in XXXX ( XXXX Shopping ), and is now down to only 4 % ... NOT 80 % being reported by TU. Even allowing for a 30, 60, or 90 day " lag time '' in reporting, the 80 % they're reporting is not even " in the ballpark, '' nor is the over $ XXXX in revolving debt, almost 10x my highest amount ( mine ranged from a high of {$560.00} in XXXX, down to the current low of {$130.00} ). 

The remaining four attachments are for documentation only. Specifically, the first page of each statement is included to document the figures on my chart ( 1st attachment ). These first pages are " packaged '' together into four pdf 's, one for each month XXXX thru XX/XX/2021.

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 2017-09-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CITI closed my new XXXX credit card without prior warning. The account had a recent credit line increase and was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.

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 2023-06-09
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX XXXX Balance : {$730.00} XXXXXXXX XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX 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 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 an 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 2020-01-21
Company: LD Holdings Group, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance of my existing mortgage in XX/XX/XXXX, There was to be a 60 day closing, which did not occur, finally on XX/XX/XXXX we closed on the paperwork. A closing attorney was sent to me and we signed paperwork. I asked if I gave him the check for money due, he said no the lender would contact me with payment instructions. I waited and have to date XX/XX/XXXX not received said instructions, even though I have reached out to the company numerous times. As a result of them not funding my loan and paying off the prior loan I have now been late on a payment and received interest fees, plus credit reporting. Not too mention that the new loan is at favorable rate so I am also paying additional interest payments. The processing Officer is XXXX XXXX and the company Is Loan Depot. The paperwork for closing ( the Disclosure Statement ) was incorrect three times, now all the paperwork is outdated as I have had to make two additional payments, etc. 

I have contacted and gave them until today to get me the needed information or I was filing a complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Commonwealth Financial Systems, 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:
On XXXX XXXX 2017, CommonWealth Financial Systems reported Four ( 4 ) new collection to the Credit Bureau 's at the amount of {$61.00}, {$1500.00},  {$110.00} and {$70.00}. 

CommonWealth is not valid to collect in the state of Florida and it also shows that company license is revoked /voided. 

I am requesting company to stop reporting to the Credit Bureau 's and also to remove/delete what have been reported. 

Collection Agency CommonWealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: EQUIFAX, 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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2022-08-05
Company: DISCOVER BANK
State: GA
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:
Discovers failure to appropriately investigate, notify, do its due process has caused me undue hardships. Ive made more than 10 calls to Discover, been transferred more than 15 times, and have spent no less than 13 hours of my time ( 80 % of the time on hold ). 
Discover completed an investigation on disputed charges I was unable to complete directedly with the retailer, whom completed neglected any communication with myself. Nevertheless, Discover came to the mistaken conclusion that a series of charges by XXXX were services I purchased and used. 

Facts Section I : I made Discover aware that I did have an account with XXXX and that it had been canceled as it was never used. Upon the most recent statement showing the unrecognized charges, I initiated the dispute. 

Discovered allowed XXXX to continue a charade of charges to charge a credit card number that had been reported lost or stolen, and consequently replaced, on multiple occasions. 
Discovered was instructed on of XXXX XXXXXX/XX/XXXX to block any further charges, authorizations, or business dealings with XXXX. XXXX XXXXXXXX assured me that a block would be initiated. 

No Access : I do not have the ability to discuss my account with XXXX representatives because they could not verify my identity with an updated cell phone number and their use of an expired email account. 

Fraud : When I noticed charges on my statement, I contact Discover to start a dispute. The agent suggested the funds would not be reimbursed unless it was labeled as fraud. I changed the disputed status to fraud. 

Failure to protect : Despite my request to ban future transactions, Discover still allows XXXX to authorize transactions on a new account number. As recently as XX/XX/2022, XXXX debited and credited my account for {$1.00}. ( See documents A and B ). This is a banking transaction technique used to verify with card retailers if the consumer has available credit. There is no conceivable reason this should have taken place on XX/XX/2022 when they were banned by Discover to unlawfully gained access to my account. 
Dont be off put by the disguised name of the authenticator on XX/XX/2022, if you research further XXXX merchants ' contact information is addressed as XXXX XXXX XXXX XXXX, Az XXXX. Discover allowed this to take place after a block was initiated and should have been followed thru by the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRUIST FINANCIAL CORPORATION
State: NY
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:
On XXXX XXXX, 2020, SunTrust Credit Card erroneously charged my checking account the balance of my credit card, which was {$2200.00}. The charge did not reduce my credit card balance. This credit card was recently set-up using a promo 36-month low APR ( matched at the Prime Rate, which was 3.25 % at the time ) balance transfer. When I contacted SunTrust the same day they admitted to an erroneous payment and they were working to reverse it. The reverse never happened and eventually, after numerous conversations with their customer support, SunTrust reflected the charge on my credit card balance without my consent. Effectively they forced me to prepay my entire balance and I was out both the {$2200.00} and the balance transfer promo, in addition to other charges I incurred as a result of the erroneous charge on my checking account. I incurred substantial hardship and fees from the unplanned {$2200.00} charge - including damage to my relationship with other banks, and my apartment management company. SunTrust customer support, while initially knowledgeable about the issue, now has no idea what is going on or how to fix it.

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 2023-02-01
Company: EQUIFAX, INC.
State: IA
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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 XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) - Account # : XXXX have 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