BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified on XXXX XXXX, XXXX letter which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX XXXX Bank XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process XXXX XXXX Bank XXXX XXXX account was verified and still displays information which is inaccurate, incomplete or erroneous. 
The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX Bank XXXX XXXX. 
1. The account was opened on XXXX/XXXX/XXXX however the account displays no account information in XXXX and from XXXX, XXXX and no information in XXXX. 
The account also lists no balance or past due balance or charge off amount.

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 2023-02-02
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE AND REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 2017-09-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am contacting you from an attorney 's office. We are in the process of selling real estate. We ordered title insurance commitment from XXXX XXXX XXXX XXXX, of XXXX, WI which showed three ( 3 ) mortgages against the property. One ( 1 ) of the mortgages has now been satisfied, the other 2 are from HSBC XXXX XXXX ( purchased from XXXX XXXX XXXX ). The title company put in requests for both Satisfaction of Mortgages in early XX/XX/XXXX (  around the XX/XX/XXXX ). Today is XX/XX/XXXX, and we have made MANY phone calls to this company ( after waiting on hold for 40mns each time ) to get these satisfaction of mortgages. HSBC states things like they have put in the request, they are in the process or they do n't know anything about it and have to start all over again. We are about to lose our closing. All we want are the 2 Satisfaction of Mortgages for clear title on this property by a company that acknowledges that these loans have been paid. We will lose our closing on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX telephone ( XXXX XXXX XXXX fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXT XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date Removal date XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Inquiry date Removal date US SM BUS ADMIN ODA XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance Balance updated {$710.00} XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance Balance updated {$25.00} XX/XX/XXXX. XXXX XXXX XXXX  LATE PAYMENT Balance Balance updated {$130.00} XX/XX/XXXX XXXX XXXX Balance Balance updated SO XX/XX/XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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, 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. 16815-2 ( 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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish an 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 2016-08-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX and XXXX my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. More than {$35000.00} was sent by us over the course of 2 days via XXXX gift cards under the pressure and manipulation of the criminals. Beyond devastating. Nearly half of that money came from our Chase accounts. First my husband withdrew {$5000.00} from his Chase business account on XXXX XXXX upon the initial threat of those crooks, and then the next day on XXXX XXXX we kept coming back to Chase 3 times (! ) throughout the day withdrawing more and more money from our savings account, totaling {$12000.00} in a single day. No one at Chase asked us a single question why, all of a sudden, we are withdrawing so much money in one day ( when normally we would NEVER take out any money out of our savings account ). Would n't this be a red flag?? I remember 5 years ago or so we needed to withdraw an extra {$300.00} and the ATM machine stopped us! What is happening now?? The security measures at Chase really seem to have gone down a lot, making it unsafe to keep money at the bank. With all the scam and fraud going on these days, would n't it make sense to impose a very strict withdrawal limit per day? Would seem such reputable bank as Chase ( or so it is presented ) should have taken better precautions long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TRANS UNION KEEPS REPORTING BACK SAYING UP-DATED AND THEIR UP-DATES PUT MORE DAMAGING INFORMATION ON MY CREDIT REPORT. I THINK THE WORKERS AT TRANS UNION ARE TRAINED TO KEEP NEGATIVE INFORMATION ON AMERICAN 'S CREDIT FILES. I KNOW TRANS UNION SUB-CONTRACTS TO CALL CENTERS IN THE XXXX. 

I WANT ALL THE GAMES TRANSUNION IS PLAYING TO STOP AND THEY REMOVE ALL MY PAID OFF BILLS. 


Civil Penalty Fund Congress established the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. 

When the Bureau collects a civil penalty through an enforcement action, that penalty is deposited into the Civil Penalty Fund. The money in the Fund is pooled and can be used to compensate victims who havent received full compensation for their harm through redress paid by the defendant in their case. 

In accordance with the Dodd-Frank Act and the Bureau 's Civil Penalty Fund rule , the Fund can only be used for two purposes : to compensate eligible harmed consumers and, to the extent that victim payments are not practicable, to provide funding for consumer education and financial literacy programs. If victims can not be located or it is otherwise not practicable to pay victims, the Bureau may keep the money in the Fund for victims in future cases, or the Bureau may use money in the Fund for consumer education and financial literacy programs. 

Learn more about how we determine victim eligibility Our work Victim payments The Bureau may make Civil Penalty Fund payments to consumers who were harmed by a violation for which civil penalties were imposed, and who arent otherwise expected to get full compensation for their compensable harm, as described by the rule. The Bureau hopes to make payments to all such victims, but whether it will be able to will depend on the amount of money in the Fund and other factors. 

Learn more about victim payments from the Civil Penalty Fund

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 2017-09-26
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In filing my most recent employment certification form for qualification towards the Public Service Loan forgiveness program, I had my form denied due to the fact that I did not have an employment end date ( I am still employed, and that box was checked ) ; and it was stated that my employer did not date the form. However, upon review of the form, both sections were filled out appropriately. I called Fed Loans to discuss, and the agent informed me that it appeared the form had been altered for the DATE SIGNED. The agent said the " 8 '' look like it was changed from a " 6 ''. I have filled this form out for almost 7 years and have never had an issue. In speaking with a representative higher up, he told me they never should have denied my form. I ended up having to submit another form, however, am awaiting approval. 

This is just one of many complaints I have had with XXXX, including extensive wait times and forced forbearance on loans during re-certification periods or change in payment amount verification ( as occurred in XX/XX/2014 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

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 2023-08-20
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:
XXXX XXXX is reporting a loan to my credit file. I have never applied for nor have I ever been issued a loan by XXXX XXXX. XXXX XXXX is reporting a timeline of 14 years and 5 months. This account appearing on my public consumer file is false and inaccurate. It is out of compliance with the FCRA. I do not owe this alleged debt. Please remove this FALSE account that has been reported as a revolving or installment loan from my credit file in accordance with the FCRA. This account has not reported to nor has it been on my credit file for 14 years. This needs to be removed ASAP as this is a violation of credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank has offered a {$400.00} bonus for opening a new customer checking account. I accepted Citibank 's offer and opened checking account # XXXX ( citibank 's statement attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close my account a week later after accepting my opening deposit. All my attempt to find out why my account was closed and deposits returns were no avail. 

The bank has made a promise to credit a {$400.00} bonus upon opening of checking account and depositing {$15000.00} or more in newtoCitibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). 
I accepted bank 's offer by opening a required account and making a required opening deposit. Acceptance of bank 's offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$400.00} bonus because Citibank breached the contract by terminating my account without lawful justification or excuse. Citibank 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored.

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 2023-08-21
Company: Blackhawk Network Holdings Inc.
State: IL
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:
The issue is with the purchase on XXXX that involved the XXXXXXXX XXXX prepaid card Case # XXXX It concerns a purchase of banknotes which were fraudulently listed as valid tender ( the Police report was also filed about the matter ). The dispute for {$33.00} was made in XX/XX/ and to this date the XXXX XXXX is asking for repeated info regarding the same complaint although the full info was sent to them as attached file back in XXXX which in detail describes the issue. At one point the company wanted the verification of the ownership of my prepaid card that the purchase was made which is outrageous since this was presented to them right off the start. And now the requirement is made for a return tracking # of the item which is retained as evidence in possible criminal matter. 
It appears the XXXXXXXX XXXX didn't even submit the complaint to the issuing card but it is trying to wait me out with the everchanging paperwork requirements which shows how insidious and bad faith this process is. 
If the issue is not resolved I will take the matter to small claims court as it is apparent that in addition to the seller of the demonetized banknotes being anonymous ( fake name ) the XXXXXXXX XXXX is actually aiding and abetting this fraud by failing to process a complaint as listed in its XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: CITIBANK, N.A.
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a CIti Bank Visa Platinium credit card No. XXXX in the name of XXXX XXXX. According to this card if Rs. XXXX/- is not spent in the first year then at the end of first year Rs. XXXX/- would be charged. But before the end of first year my card was lost and so was blocked and no new card was issued. Due to this reason my spending was less than Rs. XXXX/- and i was in perception that my Credit card is closed. But after few months I received statement charging the annual charges and stating that my card is not closed. Form then onwards every months they are charging interest on the amount. After my several request they are not hearing my complaint. If I do n't have a card how can I use it and fulfill the minimum criteria. 
I want that Company should understand my issue and reverse the charges and close my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: Brelvis Consulting, LLC
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have  Parent PLUS loans  that my own servicer is handling just fine. However, I keep getting calls from a company called  Student Loan Help Center ( p hone number  XXXX  ) saying that this is my last chance to get into income based repayment, that the Obamacare loan program is being revoked at the end of the month, and that at that time the Department of Education will require full payment of my outstanding balance. I know that all of this is not true as I am a higher education policy analyst well versed on the student loan and student loan repayment programs. However, what concerns me is that even my own sons would likely not understand this to be a scam unless they asked me.     I am very worried that other borrowers could be defrauded by this company. I 've spoken to a  manager ther e to express my concern that they are giving our fraudulent information, and to give them accurate information about the loan programs, but they hang up on me twice. So this is n't a case of a single call center employee who is not delivering the message correctly. They need to be stopped before borrowers are defrauded. Thanks!

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