BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX6 DPT EDXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the lawBANKAMERICA XXXX Date Opened : XX/XX/06 Balance : {$0.00} 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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
7 INQURIES ARE BEING REPORTED THAT DON'T BEONG 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 2022-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Summary of XXXX XXXX XXXX ( 1 ) I responded to an email from the XXXX XXXX on XXXX XX/XX/2022 ; I had been charged a renewal fee of {$340.00} and had XXXX hours to get a refund. 
( 2 ) They tried to do a direct deposit into my Citizens Bank checking account; said a mistake was made and {$100000.00} was deposited in my account. I had, as instructed, logged into my account, and the money was there. 
( 3 ) They said if it looked like it came from a business, I would have to pay XXXX XXXX tax on it. 
( 4 ) They said I needed to wire out {$99000.00} to an individual in the XXXX, which I did. 
( 5 ) I kept monitoring my checking account and it looked OK ; I could see a wire transfer of {$100000.00} coming in and {$99000.00} going out. I also changed my username and password. 
( 6 ) A few weeks later, I noticed that the interest payment on my Equity Loan ( which had a balance of about {$16000.00} ) went from about {$50.00} per month to over {$500.00} per month. 
( 7 ) Upon investigating this, I found there was an Advance of {$100000.00} on XX/XX/XXXX. 
( 8 ) I was shocked, and sure this was a bank mistake. On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX XXXX in XXXX XXXX, PA ( ph XXXX ) to discuss the matter. 
( 9 ) The banker agreed with me that the {$100000.00} wire transfer into my account should have nothing to do with my Equity Line of Credit Loan. He filed a fraud claim and told me to contact the Equity Loan people in a few days. 
( 10 ) I was sure they would call me and all would be well but they did not call. 
( 11 ) Finally, on XX/XX/XXXX, I went into the main Citizens bank in XXXX XXXX, PA ( ph XXXX ). Here I was told that the {$100000.00} advance actually came from my Line of Credit! 
( 12 ) I was horrified! I was told to call the number on the back of my debit card and tell them that it was fraud. 
( 13 ) I did so, and spoke to someone with Citizens Bank in Rhode Island who informed me that you are not responsible for fraud. I was also told that there was a problem with the way the claim had been filed ; they re-filed the fraud claim and told me that they would have to reach out to the bank in the XXXX. They gave me a reference number and a phone number to call investigations ( Ref : XXXX Ph : XXXX ) ( XXXX ) On Friday, XX/XX/XXXX I had heard nothing, so I called the Investigations number that I had been given. I was told that unfortunately, there is nothing we can do there is no insurance against wire transfers! So, as of now, I am out {$99000.00}! 
( 15 ) Question : When I went into the bank to wire out the {$99000.00}, why did the banker not alert me that {$100000.00} had just been taken from my line of credit?

( 16 ) Question : If I am not responsible for fraud, how can the bank tell me there is nothing they can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Prior to my annual fee being charged, I downgraded my citibank world elite prestige card with a {$490.00} annual fee to a citi rewards plus card with no annual fee. 

Citi charged my account with an annual fee, along with an additional user fee of {$75.00} as if I still had the original card and not the downgraded card. 

I called and after multiple calls, they refunded my {$490.00} annual fee but never refunded my {$75.00} additional user fee. 

I am going on XXXX phone calls to the company where their representatives will promise to take care of the charge, then get me off the phone and never follow through. They will tell me to call them back in XXXX business days. They have asked me to mail them a copy of my statement that I am looking at online in the portal that they provide but apparently " do not see that charge ''. I am typing this while I am on my XXXX phone call and currently XXXX hours into my ordeal of trying to speak to a supervisor since I believe that their request to have me call them back in XXXX business days is unacceptable since I have been calling multiple times on this charge for well over a month. 

I have the sense that citi is stalling me until I refuse to call them back and just accept that they are ok to steal my {$75.00} dollars that is due to me. I refuse to do so and will continue to fight and notify as many other consumers about citi 's poor business practices.

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 2022-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX XXXX XXXX XXXX number # XXXX and Portfolio Recovery Associates , LLC They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX  confirmed that they were processing a refund. Up until that time, I had not seen the confirmation from XXXX so I proceeded with a dispute on my Chime " Credit building account '' ( false advertisement ) .I then contacted Chime XX/XX/XXXX XXXX EST B/C XXXX stated it could take 5 BSN days to process.they informed me they hadn't received the refund of {$830.00} & to file a dispute. I consistently sent proof via chat of refund confirmation but chime insisted i contact XXXX then stopped replying. XXXX confirmed the Refund was initiated XX/XX/XXXX completed on the XX/XX/XXXX & chime 's dispute was replied to advising the refund was processed successfully on XX/XX/XXXX. Agent/Disputes Supervisor : XXXX ( XXXX ) kept insisting I give the dispute until XXXX to be solved or have them refund AGAIN.At this point I had apple on 3-way ; they verbally confirmed that chime already had the funds, they had replied to the dispute & there was nothin else they could do. Could this be a Regulation CC violation? They also claim that the credit builder account helps build your credit but the only thing the account does is report my balance as if I owe the balance and not reported as true balance which is just money I deposit/transfer. They say it is like a secured credit card but it did nothing but hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Comerica
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello I am severely XXXX and have XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my brother and was XXXX very bad by an ex and family members for years my mother tricked me into going on a cell phone plan with her and then reported the phone stolen and wiped out the cloud also there's been a XXXX who's been stalking me who's also affiliated with my family who stole the XXXX card that I had in a government phone that I got and got into my XXXX account changed all my passwords and somebody purchased {$450.00} worth of cryptocurrency from XXXX with my debit card I get {$840.00} a month on the XXXX o the month I had {$590.00} in the bank I want to go purchase XXXX food and there was XXXX missing from my account to XXXX they tried to say I authorized these charges which I did not there's recordings of me calling sometimes twice every day in a month crying to please give me my money back begging and pleading I literally lost my house sitting and everything I'm XXXX XXXX XXXX XXXX because of this now I'm living in a XXXX XXXX because I have nowhere else to go because the police tried to say I didn't live at my address and that's how my family was getting over on me they would call the cops every time I would come home and I would get thrown out of my own house so they threw all my stuff out on the street and on the porch and I have pictures of it they were stealing my mail and everything my sister is a witness to all this as she herself has a PFA on certain family members they stole lots of money from my grandparents and tried to coerce him to lie for them the situation is really bad now direct Express debit card services took XXXX back out of my account which left me with {$390.00} they canceled my card on the XXXX when I asked him to please lock it until I could get to the ATM in the morning and now I'm sitting here with no food no money nothing because they canceled my debit card told me to call social security and now they charged me {$20.00} for another replacement card that won't get here until Thursday this company has also charged me {$100.00} to change my address in XXXX there's something with the phone my mother gave me there's a reason she did that and I reasonably that she either tried to frame me or do something very sketchy because they were all audited by the FBI for stealing money for the pandemic I really really need help with this I'm struggling so bad I'm severely XXXX and don't know what to do I need this money to survive and I need to get money to get to somewhere safe please help me you can reach me at XXXX and my name is XXXX XXXX XXXX I also have photos of the paper direct Express debit card services/ Comerica can do it Bank sent me by the flimsy investigation they did they tried to say authorized charges in which I never even had an account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports XXXX late payments while Equifax reports XXXX all from XXXX  XXXX, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: BARCLAYS BANK DELAWARE
State: MA
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 received an email that my credit XXXX changed. I pulled a credit report and noticed a new line of credit for over {$12000.00} with Barclays. I have never done business with Barclays and have only ever had two credit cards, XXXX XXXX XXXX  and XXXX. This line of credit shows me as an authorized user.

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 2022-09-30
Company: Instant Cash Advance Corp.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
This website takes all of your personal information. DL #, social security number. Bank routing and account number and does nothing. Seems like a fraudulent site or is used to take information from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: VA
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 XXXX 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 explanation