BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, 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 an 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 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 2023-11-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank frozen my checking account, investment account and is refusing to unfreeze it. 

We call several times different departments for 2 months without any solution or answer. We can not withdraw, move the money or operate in the financial market. Citibank is limiting access to my money and account. They can't even give an estimate for when they would be able to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company claims I owe an apartment complex nearly {$3000.00} when I asked them for a breakdown or proof of why they are attempting to collect this debt, and for them to properly verify this is for me. They said they can't pull up any information. I called the phone number provided many times over the years as this has been haunting my credit score, and even the apartments listed on my credit report as IQ international data, seem to have no idea why I have this negative balance on my credit file as they do not see anything on their end. They just claim I owe them nearly XXXX dollars and theres nothing they can tell me other than that. 
I do not agree to pay this for I do not feel I owe anyone anything without a reason. 
Please help me clear this off my XXXX reports..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Kikoff Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kikoff Lending LLC is reporting an inaccurate tradeline on all 3 of my credit reports. Kikoffs XXXX reports are horrible! They are doing the same thing to many other people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: FL
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:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXX XXXX  credit card in my name. I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing to express my profound distress and dissatisfaction concerning the unexplained closure of my account on XX/XX/XXXX. Upon noticing the closure, I immediately sought clarification from a local banker who, regrettably, could not provide any reason for this action. 

Subsequently, after approximately ten phone calls to your customer service, I was informed that the closure was due to a transaction suspected of fraud. I wish to clarify that this transaction was a transfer from a friend whose credit card had been compromised. He was in the process of canceling the card and moving to another country, thus, he transferred the remaining balance to me. I firmly believe that no laws or regulations were breached on my part during this transaction. 

Each interaction with your account closure department has resulted in varying and inconsistent responses. On some occasions, I was told that my funds had been sent out ; other times, I was advised to present documentation at my local branch to prove the legality of my funds. However, upon visiting the branch, the local bankers were unable to find any channel to upload such documentation. I was even asked to fill out a form that does not exist, and sometimes, I was simply told to await further communication. 

This back-and-forth between phone service representatives and bank visits has happened around five or six times. The latest contact ended with the information that the investigation is ongoing and without any concrete timeline for the return of my deposits. 

I am left with critical questions : On what grounds are my funds being withheld? If an investigation is necessary, why is there no direct line of communication for submitting proof and evidence? It is unacceptable for the bank to retain my funds indefinitely, extending the timeline at their discretion. What if these were all my savings? How am I expected to survive without them? 

I urge you to address this matter with the utmost urgency. Please provide a direct channel for communication and a definitive timeline for the resolution and return of my funds. I await your prompt and positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX This account was set up fraudulently. I called the company multiple times, but they were unable to verify my correct SSN, email address and phone number used to establish the account. The company said someone would be in touch within 30 days, no response. Contacted the company multiple times to dispute account with no response and no live customer service rep to speak with.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not supplied proof under the DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXX/XX/XXXX281 SW 715,719, I PRESUME that no proof of the alleged debt, in fact therefore exists. Also community first have not provided license to collect a debt in my state to collect any debt, furthermore I do not consent to ANYTHING being furnished on my consumer report. 

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: IL
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: In progress
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax was hacked and had my personal data listed in an easily stolen format. My SSN and credit history are now possibly in the hands of criminal hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I made a wire transfer of {$40000.00} from my XXXX  Business Account to my XXXX XXXX which used Citibank as an intermediary. XXXX charged a {$25.00} fee which I accepted for the wire transfer, and the XXXX  incoming transfer was going to be free. There was an issue with the wire transfer and Citibank as the intermediary returned the wire. 

When the wire was returned, Citibank had deducted {$40.00} from it. I have contacted both XXXX and XXXX and both banks have told me that this is fully on Citibank who took the funds. I am not a customer of Citbank and they give me no standing to even request a return of the funds. 

Additionally, at no point did I agree to this fee. When I agreed to the wire transfer, I only agree to the outgoing fee that XXXX charged me. This fee is hidden, not agreed to, unexplained and there's no way to return it. 

Additonally, were I to actually be a Citibank customer, the maximum they charge to receive a wire transfer is {$25.00}, so this is fee is pure robbery because a ) I have no way to get clarity on it b ) they do not give me a way to refund it c ) it was never agreed to d ) and they didn't even provide a service because the wire was returned. 



XX/XX/XXXX  WIRE REVERSAL B/O : XXXX XXXX FUNDS TRANSFER SAME DAY XXXX FL XXXX US ORG : XXXX CITIBANK N.A. REF : XXXX/OUR REF XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX TRN XXXX AS XXXX BENE NAM E AND ACCT DO NOT MATCH LESS FEES TRN : 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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and I noticed Inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize or request.

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 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
n 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  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

Dept Ed / XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
Company: SYNCHRONY FINANCIAL
State: AL
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:
FCRA requires accurate reporting. The account opened date is different on XXXX  and XXXX. The account shows a charged off amount and amount due. The payment history is inconsistently reported as well. The high credit amount is reported differently to both bureaus. Activity dates are also not reported consistently.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Unauthorized Hard Inquiries on Client 's Credit Report - Request for Investigation and Removal Dear Consumer Financial Protection Bureau I am writing to bring to your attention a matter of utmost concern regarding unauthorized hard inquiries on my client 's credit report. On XX/XX/, my client, XXXX XXXX XXXX XXXX, received a confirmation letter from XXXX regarding the security freeze placed on her credit reports with XXXX, XXXX, TransUnion, and XXXX. This freeze was initiated in accordance with the provisions outlined in XXXX XXXX XXXX, specifically XXXX XXXX. XXXX XXXX through XXXX. 

Despite the security freeze in place, it has come to our attention that unauthorized hard inquiries have been made on my client 's credit report. These inquiries not only violate the established freeze but also pose a serious threat to the financial security and privacy of XXXX XXXX XXXX XXXX. The unauthorized access to her credit information raises concerns about potential identity theft or fraudulent activities. 

In light of these circumstances, I am formally requesting the Consumer Financial Protection Division to conduct a thorough investigation into the matter. The purpose of this investigation is to identify the entities responsible for the unauthorized hard inquiries, ascertain the motive behind such actions, and take appropriate measures to rectify the situation. 

Furthermore, I request that the Consumer Financial Protection Division facilitate the prompt removal of these unauthorized hard inquiries from XXXX  credit reports. It is crucial to restore the integrity of her credit history and protect her from any potential adverse effects on her financial standing. 

Enclosed with this letter, you will find copies of the confirmation letter from XXXX regarding the security freeze, along with evidence of the unauthorized hard inquiries on my client 's credit reports. These documents should assist in expediting the investigation process. 

I trust that the Consumer Financial Protection Division will handle this matter with the urgency and diligence it deserves, ensuring a swift resolution and preventing any further harm to my client 's financial well-being. I appreciate your prompt attention to this serious issue and look forward to the resolution of this matter. 

Thank you for your cooperation. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a mobile deposit of a check for {$7500.00} from California 's Clean Vehicle Rebate Project on XX/XX/, but Chase put a hold on it and told me it would not be available until XX/XX/. That's 9 days that I have to wait without any access to the fund!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Huntington suddenly without warning or cause ( in my opinion ) closed my checking and savings accounts with them on XXXX The accounts had a balance of over {$16000.00} in them and I need access to my funds as soon as possible, without delay. The company, Huntington bank, is not providing any information and is not cooperating to expedite the closure process/ the processing of the check for remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
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:
XX/XX/2023 I'd contact the property manager at XXXX XXXX XXXX, 2nd attempt to gain insight. I left my information for someone to contact me. I spoke with a general manager gave him my social and name he confirmed that I never lived at that residence nor have I applied. 

The amount that is owed {$9700.00}, I've contacted the collection agency as well to ask them for proof, I did not receive any information. 

I would like this removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: The CMI Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The collection account was posted on my credit credit report from debt collectors. One from Credit Management LP with an amount of {$350.00} with original creditor XXXX XXXX. It was posted that it occurred from XX/XX/2023 - XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief