BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/23 on the train to XXXX, on my way to work, I received a work email to my phone what appeared to be from my boss. It had his name as the sender. I was on my XXXX  so I didn't see the address that it was coming from. I thought I was corresponding with my boss, who is an attorney. I am fairly new to the firm. He asked me when I was going to be in the office and that he was in a meeting and couldn't talk but that he needed me to call around to see where I can purchase XXXX  gift cards for him. 
He said it was for a client. My boss does represent less fortunate clients so I was thinking maybe they were in XXXX and needed to purchase a phone, I had no idea. I asked him for what client and he responded that he would tell me everything later. I completely thought that I was talking to my boss. Because of the verbiage, I had never doubted that this was him. I went to a XXXX and did what he asked, bought the gift cards, scratched off the back and sent him a picture. All this communication is attached in this complaint. I got to work to find my boss at work. And he confirmed that this was not him. 
It was all done, and nothing I could do at that time. And looking on my computer I could see this wasn't my boss 's address. 
I submitted the emails to XXXX XXXX, XXXX XXXX. They reimbursed me but that was for a short time. I received a letter from them XXXX  XX/XX/23 that they will be taking the $ XXXX my account on Monday and they did. I called again to plea my case and was denied. 
I was completely scammed and taken from these awful people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: GOLDMAN SACHS BANK USA
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:
I am composing this letter to bring to your attention a concerning issue regarding a charge-off that your company has reported on my credit report. The debt referred to above has been discharged and officially written off as an uncollectible debt by your organization, leading to a corresponding tax write-off. According to information I have received from the IRS, it is in violation of the law for you to report this data on my credit report, whether for the purposes of collection or to indicate a charged-off status. This is a breach of FCRA 15 USC 1681 ( e ) ( b ). The information being reported is not entirely accurate. I would like to highlight that I retain the option to submit form 3949-A in response to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NY
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:
Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with XXXX so I dont know if they lifted the freeze with XXXX but I cant access XXXX obviously because this person already has an account with them and our information doesnt match so XXXX  doesnt let me access account online nor do they give me access over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
FURNISHING reports in connection with non-consumer-initiated credit or insurance transactions. 
a consumer reporting agency shall not transmit to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I did not initiate any of these inquiries, and if you believe I did, please send me copies of my written signature authorizing this subject. Inquires are not factual information if I didn't request an extension of credit. 
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS XXXX USC 1681C-2 XXXX  XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/XXXX  Please remove this inquiry from my credit report Please erase these inquiries immediately from my credit record. If any of these companies claim to have obtained my credit report with my consent, I will exercise my legal right to request verification. I request that you supply the following : 1 ) Full name and title of the individual who ran my credit report. 
2 ) The day and time they claim I granted consent. 
3 ) Method for which they claim I granted authorization. Please provide where I require documentation of said consent and of my signature on this authorization. 
Thank you. 
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 explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have checked my credit report and my name and address is not correct. There are many names and addresses reported and that doesnt make sense when I am one person who lives and have access to one home. This violates the FCRA in so many ways and it needs to be changed and updated. I will list the consumer laws that applies to my statement. 

Name should be : XXXX XXXX XXXX Address should be : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX I dont have access to any other addresses. I do not live at any other address.

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 2022-09-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX, I attempted two ATM withdrawals at a XXXX XXXX XXXXXXXX ATM. The two transactions, in the total amount of {$2000.00}, were unsuccessful and did not dispense any cash. I contacted my card issuer, Citibank, in relation to this, and they indicated that they received documents proving the transactions were valid and denied my claim. I have repeatedly asked Citibank to provide the documents they relied upon when making this decision, and they said they were unable to do so. I have tried to reopen this dispute with Citibank multiple times, yet I was not given any chance to reassert my claim according to law. Citibank violated Regulation E of the Electronic Funds Transfer Act due to the fact that 1 ) they did not provide documents they relied upon in making of their decision to the account holder 2 ) they did not allow the customer to meaningfully reassert their claim. This violation of the law has caused me significant financial loss.

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 2022-08-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When this account was opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are refusing to remove collection accounts that do not belong to me. I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
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: Account status incorrect

Complaint:
I am writing to bring attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

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 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I accidently made a payment of {$170.00} on XX/XX/2023 from closed Bank of America Credit Card XXXX instead of making it to the open card XXXX I have with them. Why I was able to make payment to closed card with XXXX balance is beyond me? Anyways on XX/XX/2023 they made 2 transfer payments of {$170.00} one leaving me with a XXXX balance and the other a {$170.00} debit balance. The {$170.00} was moved to the open card XXXX which they gave me a credit for. On XX/XX/2023 I made the payment on the {$170.00} which of course gave me a balance of XXXX. But now on XX/XX/2023 there is another payment adjustment for {$170.00} which I never made and where or how it came is beyand me? Please note this is a closed card where I can not make payments and no payments should be made. The account never should have allowed the first mistake payment and now I am left with A XXXX XXXX because of their accounting practice. I want all this resolved immediately and do not want to ever experience this again. Please note I have a Credit Score of XXXX and always pay off my cards in advance. Bank of America needs to fix this probelm and make sure it never happens again. I am a great customer for whoever has my business.

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 monetary relief
Consumer complaint received 2023-10-24
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi so I had someone Venmo me some money since we both had an acct with them. Once the money went into my bank account they froze my account I sent in my ID and verified myself. It got unlocked and then later that night it locked again and said 7-10 business day this time. I waited. And now it says my account is SUSPENDED. All my money is on there XXXX that was my rent, car payment etc I am now facing eviction due to this mishaps for no reason when then is my money! I didnt do anything wrong I didnt violate any rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've tried disputing this account, I've asked for validation and I've yet to receive any validation in relation to this account. XXXX has continued to reage this account and Transunion has refused to delete this account. An account is supposed to be deleted from the first missed payment and not the date it was charged off. If an account is reporting inaccurately it should be deleted. If a credit bureau continues to be negligent in reporting they must pay {$1000.00} per incident. The CFPB must stand firm and hold Transunion liable and order them to pay me {$25000.00} or make it so that this case can be taken to court. I have disputed this account and they have refused to investigate and delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 a {$15000.00} credit card was perpetrated which fraudulently used my stolen or lost Chase Card at XXXX XXXX in XXXX XXXX, XXXX Chase Card initially reversed the charge but after conducting an incomplete investigation reversed the charge against my account claiming I had benefited from the purchase- this despite the availability of video which identified the fraudster as well as a completed police report documenting the events with the XXXX Police Department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: OH
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a XXXX  XXXX and paid it off. I paid the entire amount of my loan with Capital One. The layer placed the arrears of the loan in the XXXX  XXXX which I paid. I continued to make monthly payments until my loan was paid in full. After I got my XXXX  XXXX discharge, I was contacted by Capital One that I had past due amounts in the amount of {$1300.00}. They stated it was because the length of the loan. The XXXX was paid within the terms of the agreement. They would not release my loan until I paid the amount they stayed was because of the length of the loan even though my line was paid off before my XXXX  XXXX was paid. The lady was very rude and blocked my cell and home numbers. I had to use a neighbors number to get through and then my social security number was blocked. Every time I called the 800 number for XXXXXXXX XXXX XXXX XXXXXXXX XXXX  the same lady e we other s as very thick accent would answer. I called in the mornings and she answered and if I called late evenings she would answer. She refused to release my title until I paid the amount she stated I owed. The same week I paid the amount she stayed. I was reported as a charge-off. It was not a charge off! How can they report this to credit bureau after I paid the full amount of my loan and this amount she stated was delinquent? My credit rating dropped by XXXX because of this companies dishonest employers. They refuse to take my calls and tell me why!

Company response to consumer: In progress
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2022-08-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm submitting a complaint about Experian. 

On XX/XX/2022, I logged into my XXXX XXXX XXXX ( online access ) and was shocked that my credit score had fallen more than 70 points. XXXX XXXX XXXX indicated that one major factor was a recent ( since XX/XX/2022 ) drop of {$8500.00} in my credit limit. One day earlier, I was notified that XXXX had actually increased my credit limit from {$16000.00} to {$23000.00} proactively. I have never experienced a decrease in my credit limit, and a mistake must have been made in reporting to a credit bureau. 

XXXX support referred me to Experian support for assistance with the XXXX XXXX XXXX reported information because the application is powered by Experian. Experian support staff told me that my current credit limit they are aware of is the correct amount of {$23000.00} but refused to tell me what credit limit history they have. They refused to provide any additional credit history information unless I agreed to sign up for a membership with monthly fee. My account in Experian online free access showed two credit accounts I was not aware of and never set up, and I filed disputes. It is illegal for Experian to deny my file history to me when I am investigating incorrect file information that could be the result of fraud. When asked to speak with a supervisor or another department, I was told by the Experian support staff that they were the highest person I could speak to and only the membership department could assist me with paying for service to gain access to other data on my own credit history.

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 2023-11-06
Company: EQUIFAX, INC.
State: CT
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.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
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 ActXXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told Experian, XXXX, and XXXX to reinvestigate XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NY
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 hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past 90 days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.

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 2023-11-29
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX, and equifax are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.

Company response to consumer: Closed with non-monetary relief