BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021 I closed my Citibank account and I have not been sent the remaining funds of that were in the account before it was closed. I have called every month for months until XX/XX/2021 & then I was informed that an employee who works at the XXXX XXXX, CA Citibank made a mobile deposit of the funds. I sent back the notarized affidavit by email on and they claim as of today XX/XX/2021 that they did not receive the affidavit and they closed my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft

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 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Company inquired about my credit without my authorization.

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 2022-10-21
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a police report of my identity being stolen and I have disputed all type of accounts opened in my name with my information since, however new stuff keeps popping up with my social. Experian and XXXX are both reporting 2 medical bills that I have never been seen at the hospital for. One of the medical bills is from XXXX North Carolina, a state or city I have never even been to for a XXXX XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was opened XX/XX/XXXX but I was in XXXX Florida at the time and I have flight itineraries to prove it. Then there is a medical bill for the amount of XXXX dollars with XXXX XXXX XXXX that was opened in XXXX of XXXX, but I moved to XXXX Georgia in XXXX and have not been seen in the hospital for anything, I also have XXXX XXXX so anytime I go to the doctor or hospital they cover the bill in full. I have disputed this bill in particular 3 times and nothing has been done about it, both bills are now seriously effecting my credit and nobody is doing anything to resolve it. I have also paid off a debt in collections in XX/XX/XXXX with Experian for the amount of XXXX to XXXX however they have not removed it from collections and it is still negatively effecting my credit. At this point I am getting very very upset. I spend money to correct things that I actually caused on my credit and it doesn't get resolved and I report things that I had no knowledge of on my credit and that still doesn't get resolved. I am furious!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: U.S. BANCORP
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:
Elan financial insists on reporting my wife and my account with them grossly incorrectly on all six of our credit reports. This has been going on for over a year now.I have sent them proof that they are reporting it incorrectly, but they will not change it.This is a credit card through Deer Valley Credit Union, but they have it serviced through Elan Financial ( which is an outside company ) .The credit union and I have called them several times and sent them documents proving they are reporting it incorrectly, but they ignore all disputes we send them. The credit union has had several problems with them to the point that they are considering handling their credit cards themselves and getting rid of Elan altogether.I am trying to get my house refinanced but it can not be done because of this one account.I lost {$100000.00} on a down payment on an RV because I can not get a loan for the RV because of this one account.Most mortgage companies are aware of Elan 's very bad reputation and suggested that I contact you in this matter.This company has put me in a very bad financial situation to the point that I will have very little money for XXXX. I have had to pay for legal help ( which I can not afford ) to solve this problem. If I could get my home refinanced, I was getting cash back to pay for medical bills do to 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 2022-07-20
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.

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: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MY OLD BANKRUPTCY IS STILL SHOWING ON MY CREDIT FILE, AND WOULD LIKE IT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These hard inquiries need to be removed from my TransUnion credit report, since I do not recognize them, and I believe they are fraudulent : XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone XXXX XXXX XXXX XXXX  Inquiry Type

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NV
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  Account number 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 2023-10-13
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert that a collection was placed on my credit file. Once I looked on there I notice a collection was placed with XXXX XXXX XXXX on Experian credit file. I have no acknowledgement of this debt or understand how it just appeared out of nowhere on my report, so I disputed it. Additionally, I never received a validation letter or any communication from the credit buyer through any other means. This was all stated in the dispute with the Experian, but miraculously the dispute came back as verified the as correct information. I don't know how that is possible when the credit buyer never sent out the notices required by law! This Company has done this is the past, and will now try and use the credit reporting agencies ( CRA ) and CFPB as middle men to try and pass validation/verification letters and other correspond through in hopes of it qualifying as their communication for FCRA purposes, instead of sending it via certified mail like the regulation requires. I would really like to know what Experian relied on to verify this account since there is nothing even showing the acct. was verified unless it was forged.

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 2022-10-21
Company: EQUIFAX, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: JPMORGAN CHASE & CO.
State: LA
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:
In XX/XX/XXXX and XX/XX/XXXX I contacted Chase Bank regarding 3 credit card accounts that were coming due. I advised them that my checking account information had been compromised and that I am working on recovering missing funds with my financial institution. I advised Chase Bank that because of this I would be unable to make my current payment that was due on 1 credit card the last week of XX/XX/XXXXand the other 2 that were due the first week of XX/XX/XXXX. They advised this would not be a problem and that they would make a notation on the account. I asked if I could pay a double payment the following months bill or if they would like the payment when my checking account was corrected. They advised a double payment the following month would suffice and they would wave any late fees since I called and explained the situation. I recently ran my credit report and to my surprise I have a late payment notification for all 3 that is hurting my ability to obtain a loan. If they would have told me that they were going to make a negative remark on my credit report instead of acting caring and understanding I would have asked a family member to pay this for me. I have contacted Chase Bank and explained everything that happened in XX/XX/XXXX and XX/XX/XXXX and they stated there was a notation that I had called but they would not remove the negative report as the notation was incomplete. I feel they acting unreasonably to my request as I have been a good payer to Chase Bank for a long time. With the proper explanation of what would have happened I would not have opted for the double payment the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NV
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:
Sending this complaint means that I haven't received an acceptable result that I expected showing in my credit reports. I found that only XXXX inquiry was removed in my Experian credit report, but the rest of the items were still reporting in my XXXX Credit Reports. And I need them REMOVED from my credit file. I am requesting the Experian, XXXX, XXXX to please see the items I listed here in this complaint for you to remove : EXPERIAN : 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

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 2023-09-07
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between XXXX and XXXX, this company contacted me stated that they see me trying to delete and remove the wrong information on my credit report. The guy told me that he can help me with this issue easily and very fast. He charged me about {$500.00} but I have to deposit at least {$200.00} for him to start and then to make monthly payments. He told me that I will see a changed on my credit report in a short period of time and my credit scores will go up within months. He promised me that he will make sure he cleans everything and have all 3 credit bureau to delete informations that are not belong to me and get rid of anything that is appeared to be a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX Chase ( JP Morgan ) Chase FREEDOM Visa - They tried to open an account, and account was DENIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: PNC Bank N.A.
State: IL
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX at approximately XXXX i called into Wells Fargo to make a payment. I tried to make a payment on their website but they limit the amount you can pay on the website to under {$5000.00}. On my call i was told they will not accept a payment higher than that amount unless the loan is paid in full. That cant be legal or in compliance with my loan terms to not allow early principal repayment in the arbitrary amount of over {$5000.00} but less than the full payoff amount. They are calling it their policy but are breaking their loan terms effectively charging prepayment penalties because if i have to pay it off more slowly in smaller chunks i will get charged more interest in doing so.

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 2021-02-27
Company: ATG Credit, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they say i owe XXXX to XXXX XXXXXXXX university .atg credit LLC.. They was found gultiy for fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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, I checked my latest consumer report on XX/XX/2021 and i am still being violated by not only the three main reporting agencies but I'm sure the hidden agencies where my private information is bought and sold by and to non affiliates. I do not consent to E-oscar verification and will reserve all my god given rights as a natural person. XXXX, Equifax and XXXX continue to report defamatory inaccurate information. NO AGENCY SHALL DISCLOSE ANY RECORD WHICH CONTAINED IN A SYSTEM OF RECORDS BY ANY MEANS OF COMMUNICATION TO ANY PERSON, OR TO ANOTHER AGENCY, EXCEPT PURSUANT TO A WRITTEN REQUEST BY OR WITH THE PRIOR WRITTEN CONSENT OF, THE INDIVIDUAL TO WHOM THE RECORD PERTAINS. I NEVER GAVE ANY REPORTING AGENCY CONSENT. The role congress says they " assumed '', DOES NOT permit the use of my private information WITHOUT CONSENT. A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681b ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: LDF Holdings, LLC
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: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to establish a " pay day '' cash advance loan with XXXX XXXX without his consent. A formal dispute of this loan with a police report and FTC affidavit was provided to Amplify XX/XX/2018. On XX/XX/2018 at XXXX XXXX EDT my client received an email notification from XXXX requesting payment be made on this fraudulent account. This communication of payment by XXXX is a violation of two federal consumer laws. XXXX is in violation of the FCRA and the FDCPA by continuing to attempt to collect payment on a known fraudulent debt after receiving all documents required under law to conduct a full investigation of known fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted the credit bureaus Transunion, XXXX, and XXXX and disputed inaccurate information that is being reported on my credit file and I have received no 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 explanation
Consumer complaint received 2017-10-25
Company: Patenaude & Felix A Professional Corporation
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in XXXX and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.

Company response to consumer: Closed with explanation