BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My CBNA/SHELL card was closed on XX/XX/2022 the reported balance is {$7500.00} and XXXX reported balance {$6100.00}. A collection agency contacted me about this balance when I provided all the paperwork, they didn't understand why I was billed for the dispute and contacted the company. This account is with a collection agency and Citi is still reported a balance after transferring to an outside collection agency which is a violation. How can this account be with a collection agency that's attempting to collect this balance and Citi still reporting this balance after charging off this accounts.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX 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 2022-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I wrote a check from my Chase account and mailed it at a post office. The check was then fraudulently endorsed and cashed on XX/XX/2023. The person who fraudulently endorsed and cashed the original check then created 4 fake checks using my signature and cashed these checks at a Chase account. Chase has reimbursed me for the 4 fake checks that hit my account, but still has not reimbursed me for the funds on the original check despite my repeated requests for them to do so. I have called them several times and visited the XXXX XXXX XXXX ( XXXX ). They said they can't do it until their investigation is complete, despite this being a very clear case. I insist that they return the funds immediately and I strongly suggest that their practices be review as they did not offer me even a minimal level of protection by cashing a check with a name on the back of the check that did not match the front ( please see the attached picture of the front and back of the check ). This was clearly fraudulent and anyone who had taken a look at the check would have realized this. I have been greatly inconvenienced by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was paid in advance through the month of XXXX and when we went to pay the XXXX mortgage we were told not only was the XXXX amount not paid but that also we owed an additional {$800.00} per month starting XXXX. Mortgage amount was {$1600.00}, and they now state it is {$2400.00} per month. We were not notified that this change would be happening until after it already happened. In addition, they initially refused to apply my payment I had already made to the premium for XXXX until after I notified them that I would be filing complaint against them. 
They are stating the amount owed is over a year old and they are just now discovering this. Per their verbiage used they are treating us like we are default on old payments, when in fact we were ahead. 
This company texts/calls/emails us on an almost daily basis because they see we have a lot of equity in our home, and they are trying to get us to refinance with them or purchase another property using the equity. We feel this " owed balance '' is an attempt to get us to default on the mortgage. We happen to be fortunate enough to have the money to cover the difference until it can be resolved but we know if they do this to us, they do this to others who can not afford it.

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 2022-10-30
Company: EQUIFAX, INC.
State: IL
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:
Unauthorized illegal theft altering identity with credit reporting agencies. Violated my rights as a Consumer of my privacy. With out my consent. I gave no written permission instructions for identified transactions on consumer report. I am requesting identified transactions of information be blocked and deleted. This is my request as the consumer. 
You are required to do what I am asking and block these transactions from being reported to my consumer report with in ( 4 days ) from the date of the receipt of this Notice. I look forward to your response. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: TX
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 filed a complaint after discovering that some of my personal information was being used without my permission when I searched for my name on the Internet. My information was obtained by an aggregator website, which advised me to first check the website 's FAQ section and then contact approximately nine separate websites in order to have my information removed. Apart from feeling invaded because I value my privacy, I was humiliated by the fact that I had to request that my belongings be taken. I discovered unauthorized fraudulent accounts on my report and would like those accounts removed and corrected. Remove all negative and bogus accounts from my credit report. This has hampered my ability to obtain credit. I am doing everything I can.

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 2023-04-27
Company: EQUIFAX, INC.
State: NV
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: MI
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 have over 30 credit being reported on my personal credit reports. I have tried numerous times to get them removed. I've even hired credit repair agencies, still those 30+ unauthorized credit inquiries remain on my report. I pray the XXXX can assist in clearing these fraudulent inquiries off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 been recently pulling my credit to make sure it's in good standing to purchase a home. So, I've come across some errors. I initially called the 3 agencies to have these accounts removed which wasn't much especially since I really don't have many things in my name. 
items weren't removed in which I filed another dispute. Once it was supposed to been verified, I was then told to file an FTC report which I did. Still not removed. Also, on the credit report it shows the accounts were sold which I'm told that's illegal. when I reached out to the creditors i got no response, yet when the credit agency reaches out the accounts get verified. But I know verified doesn't mean validated, and why can't I get anything that's verified by me? The accounts have no payment history listed, and if the account was wrote off why is money still trying to be collected, furthermore even if the account was XXXX mines I was never reached out to, so I never even knew this was put in my name. One account shows it was paid for a few months but when I ask for proof of the card use, bank account, address etc. or the original contract I supposedly signed but I can't get any of this info. Validation letter for the creditor has also been sent. And all mail was certified which I was told there was a 30-day time frame to respond. I have all the violation that have been broken against me listed which have been pointed out by a professional but I'm trying to handle this in the most simple way. 

XXXX XXXX XX/XX/XXXX {$480.00} owed but limit was {$300.00} XXXX  XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00} XXXX XXXX XXXX XX/XX/XXXX {$450.00} owed but limit was {$300.00}

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX i contacted Transunion about several inaccurate accounts on my credit report. Transunion used their stall tactics about things i needed to do. I let them know that I am also a victim of identity theft and to remove all of the inaccurate info including incorrect addresses, and accounts. The accounts are as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX I sent in several copies of my Drivers License, with the correct address and transunion still have yet to remove any accounts. They have stated the accounts were verified but have not sent me anything verifying the alleged debt is mine. 
According to 15 USC 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation " any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act.

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 2019-02-12
Company: Credit Karma, LLC
State: OH
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:
SO I got hit with an inquiry from XXXX XXXX XXXX XXXX, and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with Credit Karma. Credit Karma tells you to contact the credit bureaus and then XXXX tells you to contact XXXX ... .thus an infinite circle of contact ___ ( one business ) __________ who will then tell you to contact _____ ( form a another buisness ) _________. 


it is just so odd because they try and say its a glitch but really no one will give me. direct answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I initiated a payment from my checking account on XX/XX/. The funds were withdrawn from my checking account on XX/XX/. I called the credit card company on XXXX as the payment was not reflected in my account to use. I was told on that date that the funds would be released on XX/XX/. I called the company again on XX/XX/2023 to follow up as the funds were not released, despite them taking the money out of my account on XXXX I escalated to a XXXX and was told there was nothing they could do and I just have to wait until the following day for the funds to be released despite them having the payment. I paid {$300.00}, which is in addition to my regular payment, in hopes to use it for a payment so that I could get cash back. The XXXX told me they receive this complaint all the time, but can not do anything. They are holding peoples money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CCF Intermediate Holdings LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am XXXX  and facing financial hardship. As of today, XX/XX/2023, I have paid a total of {$1100.00} towards my {$510.00} loan. 
I asked to close my account with a final payment of {$50.00} and they would not accept my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for equifax and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX  is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX  XXXX wage earner status for XXXX and transunion which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.

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 2022-10-29
Company: JPMORGAN CHASE & CO.
State: OK
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:
My dispute was for charges from a convention purchase in excess of {$130.00}, & I followed the cancellation policies for the FTCs Cooling Off Rule well within the established timeframes. I sent information to credit card companies showing that I legally cancelled the transactions per the rules & they have re-charged my credit card for the amounts & I do not even have the device I am being charged for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
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: Information belongs to someone else

Complaint:
I did not authorize any hard inquiries on XX/XX/2022 and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX was taken out of my account on XX/XX/XXXXwhich was a scam I never recieved any item for money that was taken, 2nd XXXXtransaction taking {$150.00} from my account was never authorized by me at anytime, bank says they find no error I just had XXXX of my money given away bank declines to reimburse. These are known scams through XXXX, bank not honoring, then exactly how are they protecting my money?

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 2022-10-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax has committed numerous violations of the XXXX. Its rules, orders, and standards governing consumer complaints adopted by the XXXX 's jurisdiction. As a result of this cyber theft my identity was stolen. My credit score has been severely affected by HARD impacts. I have had issues for applying for new Credit Cards, Or loans for my business. To make matters worse i was NEVER contacted by Equifax to make me aware of the situation. I found out via XXXX XXXX from a creator and had to utilize time to gain more information regarding this breach. Its terrifying to know FRAUD has taken place without the knowledge or consent of the people they are impacting, like myself. They must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I opened savings account with Citibank on XX/XX/XXXX and transferred first {$100.00} from my XXXXXXXX XXXX where I banked since XXXX - on XX/XX/XXXX. Second transfer was on XX/XX/XXXX for {$10000.00} and third transfer was on XX/XX/XXXX for {$4900.00}. Total transfer from XXXX XXXXk to Citi Bank {$15000.00} I received an email from the Citibank on XX/XX/XXXX stating that my saving account will be automatically closed within 60 days and money will be mailed to me within 30/60 days. 
In the email it says that if " I believe these funds should be send to me sooner than the expected closing date, please call the number on the back of my ATM card '' When I called the number, the response was, that I will receive the funds within 30/60 days no sooner. I am sending this complain and asking for your help to receive my money sooner then 30/60 days. And also, for awareness that Citi bank is holding money hostage from me and other customers for " Violating terms of service '' but all I did was to transferred money to Citi bank to start earning interest Citi bank advertised. 
Thank you for your support and help. I am looking forward to hearing from you.

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