BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : 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 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 2017-01-19
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank heavily advertised a promotion last year by which, if you opened a Citibank checking account and deposited {$15000.00} in new funds ( money not already in a Citibank account ), after XXXX days you would earn a {$400.00} bonus. The bank said the money would be deposited into your account within XXXX days after you satisfied the terms of the offer. So I opened a Citibank checking account, transferred {$15000.00} into it XX/XX/2016, and waited XXXX days plus XXXX days to receive my {$400.00} bonus, which was due XX/XX/2016. It never arrived, despite multiple calls to Citibank, where at least XXXX different representatives have confirmed I am owed this money. They have also informed me : 1 ) An " investigation has been launched '' within Citibank ( presumably to get to the bottom of why the bank is not paying its customers the promised {$400.00} -- thereby tying up our money MONTHS longer than we expected. ) 2 ) Each rep I spoke to " contacted the back office '' to see if they could expedite my {$400.00} payment ... but alas, they could not! But rest assured, Citibank is continuing to investigate itself to get to the bottom of this! What a relief. 
3. I " am not the only customer complaining. '' Yeah, I 'll bet I 'm not. Citibank heavily promoted this offer -- I could n't even log in without seeing this full page {$400.00} offer. And now they 're running an ad for a {$500.00} offer if you open a new savings account. Whoooooooo ... sign me up!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received an unsolicited credit card from US Bank in the mail on XX/XX/2020. I made several attempts to contact US Bank by phone to complain and cancel the card. But, the wait times are so long it is  extremely inconvenient. I resent the fact that US Bank can send a credit card to someone that has absolutely no contact with the bank. The potential for fraud if this card were to fall into the wrong hands is enormous. My potential liability through no fault of my own is unacceptable. I have worked hard all my life to maintain a spotless credit rating and the potential this unsolicited credit card represents to do harm to my credit rating is also unacceptable. 
I do not nor have I ever had any account with US Bank. I do not want this credit card. But most concerning is that this type of practice of sending an unsolicited credit card to an individual is legal. This practice should be illegal and US Bank should be held responsible for consumer 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 2020-08-05
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
1. I was denied credit based on erroneous information provided by experian resulting in a loss of XXXX for purchase of an item and getting a XXXX XXXX Credit card. 

2. XXXX XXXX used fake information provided by Experian to deny me credit. 

3. Experian will not accept my dispute online and the only other way to dispute erroneous information is by a phone number that does not allow you to report the dispute due to a very long hold time and then hangs up on you and has very limited hours of operation. 

4. Experian appears to not have the level of security needed to prevent XXXX entities from accessing my credit report, as all that is needed is a merchant account and my social security number, which I had to provide when I traveled to XXXX. 

5. XXXX XXXX states that I was denied credit base on my Income Vs Debt ratio. Since my debt vs. income is very good, this is an impossibility.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Charge Off : XXXX XXXX XXXX Balance : {$5900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: CITIBANK, N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a XXXX XXXX credit card that I suspected was being used by a family member without my permission. I called XXXX XXXX and asked if they could put a block on the credit card and a password so that it could not be used for future charges. I also requested a password be put on the account and that the block not be removed by me without written consent by me. They agreed to do this for me. I paid the credit card off in full. 

A few months passed and I got a bill from XXXX XXXX for about {$1700.00}. There were many charges for gift cards made on the card. I called to report and told they would investigate. After many phone calls and other correspondence with XXXX who is responsible for XXXX XXXX credit, I was told that only if I agreed to prosecute the person responsible for making the charges would I not be responsible for the charges. I did not want to prosecute or be involved in prosecution. I asked why the block was removed. I was told that I had called and removed the block from the phone number on my account. I have a letter from them in writing to verify this. I did pay the account. I did not remember making any such phone call. I am XXXX and thought maybe I was forgetting but just could not believe I would do such a thing. They refused to let me hear the recording of the conversation but the person I spoke with assured me that she had heard the recording and indeed it was my voice. 
Later, I decided to call my telephone company and see if I could get a list of all phone number made on the date I was suppose to have made that call. I have a list of those numbers and no such phone call was made. The people at XXXX just lied to me. I did not make the call! Is there anything I can do at this point? People beware of this credit card company! 
I have documented proof of their unethical practices and lies!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Financial Accounts Service Team Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have requested debt validation TWICE from Financial Account Services for several accounts that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: DE
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 XXXX 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 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 non-monetary relief
Consumer complaint received 2015-08-01
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I borrowed in 2005 from a private lender in XXXX Az the sum of {$15000.00} the lowest they would lend and got {$12000.00} after deductions of the financing from the personal lender. Some years later I married and my husband and I needed cash, It was XXXX neither of us were working and he wanted to relocate to a job in XXXX alone, to work as a partner in a XXXX. I married him to care for his daughter who had XXXX. The marriage was for the advantage of placing her a few days a week in a XXXX school. Me being her step mom would be easier, we thought. Any how the man was a close childhood friend. We went to a finace company to get a l loan on his truck, and spoke to the financer of my personal loan which was approved with my free and clear house deed, and i owed {$10000.00} We told them he was working and they said they could get the deed from the lender then add {$8000.00} and wallah, we did. I think that this company did something wrong like not subtracting the truck and just using my deed. My husband left to XXXX abandonded me aand the debt that he was part of and i struggled for a few years to pay with no husband to help. My house in in forecloure, they once said it was written off, but XXXX peopla a woman who used different names a man who was using diferent names also. My house was suppose to be auctioned off XXXX times but was poseponed. And now they said my house was sold, they offered a settlement but said 3 to 6 months for my deed. i dont know if my XXXX boys my XXXX year old mom and myself are gon na be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Experian Information Solutions 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:
EXPERIAN WILL NOT CORRECT INACCURATE information from my report! 
THEY ARE USING THE E-OSAR FOR DISPUTING! 

The FOLLOWING accounts below has an INACCURATE Highest Balance of {$4800.00} XXXX ACCOUNT XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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: Was not notified of investigation status or results

Complaint:
I have requested debt validation TWICE from Portfolio Recovery on an account that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Thaxton Investment Corporation
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: Old information reappears or never goes away

Complaint:
Covington Credit is reporting an alleged debt that they sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I went to my ban k (   XXXX   XXXX   XXXX   ) a nd got a cashiers check for {$2000.00}. I then took that casheirs check on  XXXX   XXXX ,    2017   (  the day my rent was due ) and deposited that cashiers check into my landlords account at his bank  ( Chase Bank ). The tell er who helped me at chase bank handed me a deposit slip and said I was ok to leave, so I left thinking everything was okay. My landlord then called me several days later saying he never received our rent and was threatening with eviction so I went to the bank immediately to figure out what was happening. Chase bank said it was an error on their part and that they would credit my landlord the {$2000.00} while they figure out where the original cashiers check went. Again, I left chase bank thinking everything was ok. I then get a call from chase bank a week or so later to find out that they closed the case, took back the credited {$2000.00}, and are basically trying to tell me that they never received the cashiers check in the first place and have no record of it. They then told me I need  to get a surety bond so that I can place a top check on the original cashiers check and get a new one issued. I called the company that I 'm supposed to get a surety bond from and he told me that this whol e situation sounds fishy and that he had dealt with something like this before and it turns out that the bank was doing something they should not have been doing. He told me I should call the FDIC and have the whole case checked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make 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 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 2022-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make 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 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 2015-10-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had to short sale my home which involved a XXXX mortgage and a XXXX mortgage. The sale finalized on XXXX 2011. The XXXX mortgage shows the loan paid and cleared on my credit report as of XXXX 2011. Citibank, who held the XXXX mortgage, is still showing the XXXX mortgage as currently late on my credit report. I have spoken to Citibank and have sent them THEIR paperwork that shows they accepted payment but I have only received a letter back from them asking that they can not do further research until I pull my credit and give them a detailed explanation. I have spoken to XXXX representatives who have told me they will take care of this and still I am waiting. I need this cleared so I can complete the purchase on my new home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief