BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-23
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I received a text from Citibank asking if I was making a purchase from EXXON. I logged onto the mobile app and noticed an alert and I called and said no. I then noticed additional charges for 3 other purchases that were not mine and I advised Citibank. A hold was placed on my debit card and a replacement was sent and received XX/XX/XXXX. On XX/XX/XXXX I received a call from a person stating his name was XXXX and was calling from Citibank. The number was the same as the Citibank XXXX. He asked is I was making a purchase from an XXXX XXXX in California for {$6500.00} I advised no. XXXX sent several one time codes to confirm actions and reset my account and the wire transfer feature. He placed the name XXXX XXXX and when I asked him about the name he said it was fictional just to reset my information. Later that day I logged into my Citibank mobile app and noticed that there was a wire transfer for {$6500.00}. I called and was told fraud was closed. I called XX/XX/XXXX and spoke with XXXX for unauthorized wire transfer and then spoke with an XXXX and received a report number XXXX. I was again issued a new debit card. I noticed the name on the payee of the wire transfer as XXXX XXXX. I filed a police report XXXX and FBI report XXXX. On XX/XX/XXXX. XXXX I received a claim notification and affidavit of unauthorized wire transfer dated XX/XX/XXXX from Citibank on XX/XX/XXXX I completed and notarized and returned XX/XX/XXXX within the 10 day period required and verified it was delivered XX/XX/XXXX. On XX/XX/XXXX I received a response dated XX/XX/XXXX from Citibank that my fraud claim has been denied stating I did not take adequate steps to safeguard my account which compromised the security of my account information. I have been a customer since XXXX when my account was with California XXXX XXXX XXXX and Citibank took over. I have never done a wire transfer or used my Line of Credit which was used for the wire transfer. I have an outstanding history on my checking account and would never wipe out all of my funds including my social security check. I was left with no rent money, utility funds or grocery money, I live in Arizona where there is no Citibank branches. It is 100 plus degrees and I cant use my air conditioning as I can't afford the bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I was notified by my financial institution that I had withdrawn funds in the amount of {$100.00} from my checking account which I did not do the ATM in question is located within the XXXX pharmacy at XXXX XXXX XXXX XXXX, NY it was later found that there was a device placed in or on the ATM machine the representative from XXXX stated that the XXXX was notified but Discover Bank has failed to make this right

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
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: Investigation took more than 30 days

Complaint:
Ive reached out to XXXX several times disputing this and requesting a removal of the rolling 120 day from my credit reports. They refuse to remove this from my credit report. It is still appearing on my XXXX Credit Report. 

I lost my job during covid, the company I worked for closed. I applied for a forbearance of my HELOC which I received. During that time each month the non-payments were submitted to the credit bureau agencies. XXXX indicated that I had a late payment prior to that. This account was brought current in XXXX XXXX 2022, all payments are up to date. Therefore, I requested that the rolling 120 late be removed, they have refused. 

This is a problem as Im in the process of applying for a reverse mortgage which would pay off the HELOC. This issue is an obstacle to my ability of being accepted. 

I would appreciate any assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
in accordance with the Fair Credit Reporting act XXXX XXXX Name 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 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
CapitalOne Bank opened a checking account on my name, DOB, SSN & Address without validating the identity, and also allowed to create an online account. 

Lucky that the debit card reached my address and was able to get the account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX Student Loan on my Experian Credit Report Has is outdated and as per FCRA guideline it should have been removed of my credit in XX/XX/2021 but it is still on my credit. I have spoken to agents at Experian several times and they have been unwilling to delete this from my credit report. I have also contacted XXXX XXXX to stop reporting it to my credit report but they have also been unwilling to cooperate and are bent on continuing to violate my rights. 
As you will notice in the attached documents. XXXX XXXX willfully and intentionally reported inaccurate information about the initial date of delinquency in an attempt to circumvent the law and try to keep reporting this loan on my credit report longer than the law allows them to and this has hurt me financially for every month it was reported on my credit report beyond the 7 years the law allow it to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CITIBANK, N.A.
State: NY
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:
all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXXXXXX XXXX i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me Home depo not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.

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 2022-07-27
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Upon lease expiration, I received funds deposited to purchase the vehicle in full. The bank froze my bank account and put my vehicle out for repossession despite being current on payments. I was approved for financing to purchase the vehicle through 2 different entities and the bank refused to provide payoff details to these entities in order to finalize the purchase. These actions came following my report of suspected fraud to the Securities Exchange Commission and other agencies. I believe the bank 's actions to be retaliatory in nature, given the inclusion of details surrounding a pump and dump scheme with my previous employer ( now XXXX XXXX ), which is also one of the bank 's largest clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
The company is Cash AppXXXXXXXX XXXX XXXX When you get direct deposit of over {$300.00} to your account, they give you what is called a Boost ( like a promotion ) and I got one Boost that was {$100.00} off ANYTHING. So I loaded {$100.00} onto my card and paid for something and they took my money and did not reimburse me. So because I did not load {$100.00} onto my Cash App card, they refuse to give me my money back. Even when you look at the stipulations for the boost, it doesnt say anything about needing to pay for something a minimum of {$100.00}. So because I didnt add one cent they wont reimburse me my money. I have all screenshots of what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Maury Cobb, Attorney at Law, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Repetitious phone calls from a supposed law office the Law Offices of Maury Cobb 's calls are received from a XXXX XXXX at XXXX XXXX with intent to annoy me, she spoke in a abusive demanding tone when speaking with me, and when I requested no further contact, after our conversation I was left feeling threatened XXXX XXXX XXXX, she would not provide a first name or an employee identification number for reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: KY
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:
In XX/XX/2022 I already disputed this and information is correct. The Open/ closed is incorrect, late payments are incorrect, and the balance is incorrect. 

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

15 U.S.. 1681 section 604 A. It also state 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 explanation
Consumer complaint received 2021-06-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Accounts # XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, 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 2022-09-19
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I previously had conversation with an XXXX from Chase Auto, and I was told that I could have the issue of being wrongly charged taxes on my lease with the XXXX tax jurisdiction. I physically went to the office, and they redirected me back to Chase Auto. The representative from the XXXX XXXX XXXX expressed that Chase Auto would have to resolve this matter on my behalf, as I did not pay taxes to them directly. All of this took place in XXXX, and it is now XXXX. I have not had a resolution. I specifically explained to Chase Auto at the end of my lease that my lease purchase packet was incorrect. Property taxes were charged to me, yet they had the personal property tax line reading {$0.00}. Chase Auto refused to correct it. Now, they refuse to present my case to the XXXX jurisdiction off the strength of a letter mailed in XXXX, when we were in a national pandemic and the mail system was receiving a lot of bad publicity with losing mail at this time. I also moved, and have no confidence that they mailed it to the correct address. There's a secure message center on the Chase app. They did not contact me via this app to alert me. The Chase app would have been a more direct form of communication where it would not be lost and this confusion could have been avoided but they did not concern themselves with how to effectively communicate with their client. I never paid property taxes on a lease before, and was first made aware in XX/XX/XXXX. I was incorrectly informed when I first inquired about the tax charges, that submitting the affidavit before the end of my lease in XXXX would allow me to be refunded. Most recently they acknowledged that they received the affidavit and that it will be applied moving forward in the years to come, BLATANTLY disregarding that I no longer have a lease with them and never will again. I would like my refund, as ONE letter to encompass all the years of a lease is ridiculous, especially during a year where the federal mail system was known to lose correspondence! This is $ XXXX that was taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: MN
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 had a storage unit I rented that got burglarized. A couple of boxes of items as well as a laptop bag with personal and business documents were stolen. Among these items were sensitive paperwork containing my social security number and birthday, etc. I filed a police report claiming all the pertinent information related to the missing items and the theft. 

Apparently, within a month someone was using my data to obtain credit and apply for credit. Between XXXX and XXXX of XXXX, I was in XXXX  for 30 days and on XXXX XXXX  for 44 days up until about the first week of XXXX give or take. 

I have repeatedly requested that Equifax XXXX XXXX investigate this account, provide me with proof of my signature or anything like method of verification, etc.. they have not. The in fact, continue to report the item as verified and updated. 

XXXX XXXX XXXX collection account XXXX... IS A RESULT OF IDENTITY THEFT AND I NEED THAT TAKEN OFF OF MY CREDIT REPORT. 

*Data sets related to inputting of accounts were not Metro 2 Compliant.

*Payment Status Data Listed is Mismatched, Compared to Other Credit Reports. 

I am going to submit the police report and insurance claim documents related to this incident as proof of my truth. I can even get the documents regarding my brief jail time to PROVE that I wasn't even in any way able to open a XXXX account in XX/XX/XXXX. 

My Original CFPB complaint is XXXX If they claim it's to remain on record until XX/XX/XXXX, and won't provide any proof to me, I humbly request the item be immediately and permanently deleted from my Equifax and XXXX Credit Reports XXXX 

They have not provided any proof of the Method of Verification nor have they deleted the account from my report. Continue to say the item is updated and it will remain on record until XX/XX/XXXX. How can they do this? They clearly have not properly investigated and have violated my Federally Protected Consumer Rights. 

I have substantial grounds and valid proof and reasoning for the Deletion of This Account.

Company response to consumer: Closed with explanation