BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX XXXX I requested that all 3 credit bureaus remove any inaccuracies on my report or remove the account. That information is still inaccurate on all 3 credit reports.

The credit bureaus stated acct name & account # was properly investigated but how is that possible if the open date is inaccurate, last active date is also inaccurate & the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 section 604 A section 2.

The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I havent given this account written permission to furnish this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The weekend of XX/XX/XXXX, I opened up a fraud claim on unauthorized charges to my account from XXXX. XXXX refunded me 3 of the 10 charges, leaving me to start a claim with Citizens for remainder 7 charges, totalling {$750.00}. 

AFTER the initial claim, XXXX refunded {$320.00} ( XXXX, XXXX, XXXX ). Please make note {$310.00} was refunded to my account from XXXX BEFORE I made a claim- this was not part of my claim created with Citizen. 

After the investigation, Citizens concluded that I received my refund from XXXX and Citizens withdrew the claim amount back out of my account. A claim rep and I figured there must have been confusion with the first refunds XXXX made that were not part of the claim. 

Once again, a claim rep and I opened the claim once more but adjusting the amount based on the {$320.00} that was credited by XXXX after the claim was created. The amount was now {$420.00} ( {$100.00} x XXXX ). 

I received the money from Citizens to yet again have it withdrawn again later. 

I called Citizens and they said I just have to reopen the claim. I told them I need to actually speak to someone because this claim is not being processed or investigated properly. Its been months and no resolution The reps on the phone said they are unable to do anything other than open a claim. So I went into my local branch, went line by line to check the amount and have it verified that the claim amount is correct. And opened a claim for the THIRD time. 

I have requested for a call back twice from claims department, and I have never received one call. 

I am now overdrawn in my account and being assessed more fees because of the money pulled back out of my account on 9/22. I had pending payments and automatic all coming through this past week.

I called citizens to see if I can have those fees removed and I was told they were unable to help me and I have to wait for claims, which can take up to 10-15 days. 

I have lost money to fees for this money not appropriately being credited and debited from my account multiple times. 
. I need my money back and my fees reversed. This is not right under the Truth and Lending Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been paying for my car with XXXX XXXX for over 3 years I have just paid off my {$38000.00} student loan and have been tracking my credit on credit sesame very carefully. I took my last deferment for XXXX and XX/XX/2023 with XXXX XXXX and starting XX/XX/XXXX I was to go back to my normal {$280.00} payment with XXXX XXXX. I have screenshots of the conversation I had with the representative in XXXX saying that I only needed to pay {$110.00} something and I would be deferred for XXXX and XXXX and to start making payments again XX/XX/XXXX. This means that if I were to pay the {$110.00} in XXXX I would have no late fees for XXXX and XXXX and starting XX/XX/XXXX I will go back to the normal payment. I have photos of the conversation with XXXX XXXX I have photos of the payment that was made that I promised and I have photos of my dashboard from XXXX XXXX as that is how I make my payments. I have been watching my credit very carefully because I just paid off my student loans with credit sesame and according to them I am 2 months behind on my car payment and I am in Jeopardy of losing my car by repossession. I continue to get on XXXX XXXX and all of my statements say that I have over {$100.00} in late fees and I owe over {$400.00} right now which is totally incorrect. I was supposed to make my regular {$280.00} payment XX/XX/XXXX and I have proof on the XXXX XXXX statement and for my bank account that shows I made a payment on XX/XX/XXXX of XXXX. My XXXX XXXX dashboard as of today says that I am behind 2 months still and I owe over {$400.00}. I have tried numerous times even calling as I don't like to do because that leaves me no proof of anything to try to get this situation dealt with I need to make my XXXX payment but it still says I'm 2 months past due and nobody from XXXX XXXX will help me I have constant creditors calling my cell phone so I rarely answer my phone if it's a number that I don't know I also had someone call yesterday and threaten repossession. If you could contact me by email first and then I will call you back that would be appreciated as I don't answer my phone call because so many creditors are calling me right now I'm very nervous my car is going to get taken from me and I just want what is owed to me and that is my dashboard saying what I really owe no late fees and it taken off my credit report I just want to make my payment. Okay hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I previously requested a credit report from Equifax, XXXX years prior, and was unsuccessful. I requested my full credit file on XX/XX/2023, via the USPS ( return receipt requested ) and was denied by Equifax, although I sent my own Social Security card and ID copies to them.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asked me if I knew that there were a few names on my Equifax credit report while applying for a credit card. I answered that I did, but Equifax had not corrected it. The credit card application through XXXX XXXX XXXX XXXX XXXX was denied on XX/XX/2023. I sent another credit report request on XX/XX/2023 via regular mail via the USPS, following my credit denial at XXXX XXXX XXXX XXXX  XXXX in a vain attempt to see whose information was on my report. 

To my horror, but not to my surprise my single applicant XXXX XXXX XXXX application from XX/XX/2023 was denied, citing, " We are unable to verify the identity of the applicant and/or the co-applicant. '' XXXX XXXX XXXX, according to XXXX and her supervisor, pull consumer loan and credit card reports from Equifax. My year 's long battle with Equifax is causing more unnecessary hardship and denials, as I have no paperwork or IDs to match Equifax 's false information on my reports. 

I attempted one final time on XX/XX/2023 ( Priority Mail ) through the USPS, to secure a copy of my credit report from Equifax to finally see whose names, addresses, dates of birth and all other false information were on my credit report. Despite my submission of my very own documents again, and waiting years, I was denied again. Equifax has violated the Fair Credit Reporting Act more than 7 times, and the Federal Trade Commission policy which prohibits the denial of consumer credit reports when requested. Equifax is continuing to act in bad faith and outside the bounds of established laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions 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:
Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized.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. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

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 2023-11-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
date- XX/XX/21 amount- XXXX Ive contacted and requested the bank to release the funds as I saw and as its visible to them even the other person attached to my account also deposited XXXX XXXX checks from the same person to their personal account with XXXX as well and they released their funds. Its clearly not fraud if you just investigate for 10 minutes as I get the check from the same person the same time every year. 
I was cordial and understanding its even recorded in the online chat and the phone call I recorded. And the next actions the bank took was to freeze my account and take my direct deposit paycheck from my employer as well. They have taken my rightfully earned wages and is actively damaging my livelihood and have denied me communication and have refused to cooperate and resolve the issue theyve created.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Much XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. 

I disputed the fact that I did not purchase a {$1900.00} XXXX XXXX, nor did I have it delivered to an XXXX XXXX XXXX XXXXn XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. 

In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. 

I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. 

On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on my 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 monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquiries from financial companies and car companies that I did NOT AUTHORIZE! I tried contacting the bureaus but got the run around for months it's ridiculous. This is my 2nd complaint because I noticed 5 additional inquiries that I did NOT AUTHORIZE ......

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 explanation
Consumer complaint received 2023-11-29
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
Ive received emails stating to activate my card and it was a new login to my account. I called Chime and they state somebody will be with you in 20 minutes but I waited over 40 and nobody came to the phone. I would like this persons information and the account closed. There is a phone number I dont recognize on the account. When I tried to change the password to see who this person was I couldnt because they were sending verification through that number. All I could see was the last 4 digits of the number that I dont recognize. It shouldnt be so easy to fraudulently open an account. This company should be investigated because Ive heard this from several people this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Paypal Holdings, Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over the last several days I have tried to contact PayPal regarding a situation where I have not been able to order a PayPal debit MasterCard. I have not been given detailed information as to why it is important to have said card issues and mailed to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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 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 explanation