BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX, Citibank decided to close my 5 accounts which have been opened for over 20 years. 
I was abroad, on quarantine because of the virus, and never read the 30 day notice. 
my XXXX  account was mostly affected. no automatic in or out transfers were approved and I was not able to apply for the government small XXXX relief program. 
2 of my XXXX closed me out. 
it took over a month, while my balances were frozen at Citi to get all my balances transferred to another bank. 
the bank knew that I was away and could not respond. 
my XXXX now is about to close had communications daily with a bank officer but he kept telling me that he could not divulge confidential information of what was going on. as of today, do not know why accounts were closed

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2016-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I had a XXXX XXXX American Express card. I was never late paying the account and never exceeded the credit limit. XXXX chose to close my account without warning. The cash back I had earned was confiscated. XXXX can close my account but the rewards from my account should be paid to 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 2020-07-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I was rejected a credit card application due to SSN fraud alert that I couldn't resolve due to covid issues at the time. 
On XX/XX/XXXX, a new job couldn't run background check completely due to a fraud alert " Input SSN likely not issued prior to XX/XX/XXXX '' so I was held behind in the process for 3 weeks and the background check came out inconclusive regarding my SSN although i provided the job my copy of SSN and was able to work but it was a hazzle. 
On XX/XX/XXXX, I was denied a lease agreement due to credit report coming out as High Risk, not trusful. I was required to get a cosigner when I don't have anyone to help me with that so in order to be able to rent I had to pay more and my credit score was useless after all these years of working to improve my credit. When I needed to use it, it created me more issues. All of this is preventing me to have access to regular services and leasing. 
On XX/XX/XXXX. I applied for Internet services with XXXX. They holded my credit again and told me because my social is not correct. I told them my numbe and XXXX said it was weird that Equifax would set a high risk alert since my information was correct, but for procedures they would still need copies of all my information and ssn. 
I need this High Rish fraud alert to dissapear. It is preventing me from having services and a normal life. The covid situation is already difficult and this is too much. First of all. I didnt commit any fraud. Secondly, as an XXXX  there is obviously a reason why the social wasn't issued before XXXX, so it shouldn't create an alert of high risk. I need to move on with my life. I need things to work, I deserve that since I worked so hard to keep my score clear so when I need it, I would get services available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
This is XXXX XXXX and I am submitting this complaint refgarding the Fraudulent items I found on my updated Credit Reports. I have attached a letter with my updated address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, to inform you that it is myself who is submitting these Complaints. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the following items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 inaccurate XXXX XXXX inaccurate Munipl # 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.

Please remove these accounts

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 2023-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name : XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX  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 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 2020-07-15
Company: Experian Information Solutions Inc.
State: GA
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:
Showing late payment this is inaccurate. 


XXXX  ACCT : 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 2020-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo put me into a loan forbearance program in XXXX. With the promise that no negative or derogatory information would be reported during this period. They have continued to report negative late payments against my mortgage creating great financial harm to my efforts to recover financially during the Pandemic

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 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX Balance XXXX {$3400.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
An employee named XXXX from XXXX XXXX contacted my work office between XXXX on XX/XX/19 asking for me ; at the time I was on my lunch break, however when I applied for the loan I plainly told them that they CAN NOT contact me at work. 

On the same date, XX/XX/19 between XXXX, I called XXXX XXXX, returning their call from earlier, to discuss a payment arrangement and spoke to the branch XXXX, XXXX XXXX who proceeded to tell me since I was 3 payment behind, if I could not make payment by this Saturday, my account would then be sent to collections with legal action to follow since they verified my place of employment earlier that day. I asked him what that meant and he said my wages could/would be garnished. But they didnt call to verify if I worked there, they called asking me to return a call to them even though I told them from the very beginning I could not be contacted at work due regarding personal affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
This is XXXX XXXX and I am submitting this complaint refgarding the Fraudulent items I found on my updated Credit Reports. I have attached a letter with my updated address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, to inform you that it is myself who is submitting these Complaints. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the following items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXX Owed : {$10000.00} XXXX XXXX XXXX XXXX Owed : {$730.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00} XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-10
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a XXXX Washer and Dryer from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They sold Washer and Dryers that were either stolen or have a recall on them and did not disclose that information. Acima does business with this company. XXXX has a recall on their washer and dryers, he told me the washer and dryers were new, but they were not. when i got them, the serial numbers were scratched off of them so I could not provide XXXX with the information to have them come pick up the washer and dryer to fix the element that was wrong with it, when i called ACIMA they said there was nothing they could do after emailing them twice, they lied and stated that my number was not on file and everyone there was extremely rude and not helpful the resolution department is horrible and unhelpful. I need this washer and dryer out of my home before it burns the house down. the dryer also throws off my breaker anytime i ran it in the past making both the washer and dryer useless. Also, the guy made me pay {$60.00} for delivery and pay him {$100.00} upfront, this was a criminal event all around and I had no idea, i only wanted a washer and dryer because the last one broken down, Acima is a terrible company and I've done business with them in the past and had no issues. Also, I did not see the washer and dryer until they brough it to my home, I had no idea it had write stickers on it or the serial numbers were scratched off. Also, the guy has me lie to Acima and tell them that it was delivered the same day, but ti was not delivered until the following day at the end of the day the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information on my credit report regarding the following accounts : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX Collection Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these accounts contain inaccurate information and are damaging my creditworthiness. The following laws support my dispute : The Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccurate information on my credit report. 
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate information. 
The Consumer Financial Protection Bureau ( CFPB ) enforces federal consumer financial laws and protects consumers from unfair, deceptive, or abusive practices. 
I request that you investigate these accounts and remove any inaccurate information from my credit report. Please provide me with a written explanation of your findings and actions taken within 30 days of receipt of this letter, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, 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 2020-07-15
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Trying to link my bank account to XXXX app which is a money advancement app and it states pnc has made changes that will not allow my account to be linked. This was never an issue. Ive used it many times and used other money advancement apps before without issues and none work now

Company response to consumer: Closed with explanation