BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: WA
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:
Through this document I let the competent authority know that I was a victim of identity theft. I reported what happened to the FTC and they gave me a receipt for me to send to the 3 credit bureaus ( XXXX, XXXX, Equifax ). Once I sent my information, the only companies that gave me an answer were XXXX and XXXX with positive results. I have been sending letters to equifax by certified mail and return receipt for months telling them that I have many credit inquiries on my equifax credit report and I sent them a copy of the FTC report and they have refused to help me remove those credit inquiries. I also noted in the FTC report that Equifax was reporting me collections, phone numbers and addresses that were not mine and that I had never had. in that part they gave me a solution by removing collections, telephone number and addresses. But in the inquiries ( credit questions ) they did NOT give me a solution. 
They sent me a letter telling me that they were going to investigate and in 30 days they would give me an answer. A week passed and they sent me a letter telling me that these credit questions were going to remain on my Equifax credit report for 2 years. And it doesn't seem fair to me that I've been sending letters for months and they don't help me and the truth is that I don't think they're investigating. I have spoken to them on the phone and they always contradict each other because each equifax worker who answers the call tells me different things. And I ask you to please help me. and I demand that those credit questions be REMOVED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After XXXX, XXXX, and Experian conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

XXXX XXXX Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX-EXPERIAN-XXXX  XXXXXXXX XXXX XXXX Account XXXX XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount XXXX {$950.00}

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 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer I am aware of certain rights I have that are protected by Congress under the Fair Credit Reporting Act ( FCRA ). 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX  XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ) states that I have the right to privacy. 

15 USC 1681 Section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$4800.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company 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 2022-06-30
Company: Experian Information Solutions 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:
XX/XX/2021 XXXX XXXX please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30 days.

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 2022-06-30
Company: EQUIFAX, INC.
State: TX
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 XXXXXXXX XXXX XXXX Account # XXXX, and 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: TN
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 ActXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: TX
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 was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with Citi Bank, NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened fraudulently under my name on XX/XX/2020 on XX/XX/2020 a veterans check was deposited into this account fraudulently. Upon further review on my behalf the writing on this check isn't my handwriting and has been confirmed by a handwriting expert. Also there were several other inquiries to Citi Bank that were made XX/XX/2020, XX/XX/2020, XX/XX/2020. I am beyond upset that Citi Bank opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an Citi Checking account, and I don't understand why or how this happened. Citi Bank refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX XXXX XXXXXXXX via XXXX mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXXXXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes Citibank so different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, XXXX  as my correct address.

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 2022-09-26
Company: SIMM Associates, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, I received a call from Simm and Associates in Delaware. I missed the call and a voicemail message was left. I returned the call to them immediately, but their voicemail system kept kicking me out. I knew what the debt was about even though I had never received notification from this company because I am involved in a dispute over a medical bill. When I returned the call the following Monday, I gave my telephone number and name, but due to the fact that I was unwilling to provide any additional details to them, they refused to talk to me. I told them that this was fine, that they could send me a letter and I would respond in writing as I knew what it was about and it is in dispute. The lady I spoke with said that she was not sending me a letter. I advised her that I knew she was required to send me a letter within 5 days of our communication to which she replied we did not have a communication because I would not verify my address. I advised her this was a communication, I told her who the debt was owing to and that I am disputing it and that I expect to received my written notice. She would not confirm or decline sending me a notice. I then contact the company I was disputing with again, and after several additional phone calls and a complaint to the Civil Rights Bureau, they advised me that on XXXX they have written the bill off and would be notifying the collection agency of this. I then called the collection agency to verify that it had been written off. Once again, I verified my name and telephone number and in one of the calls I even verified my date of birth, but because I wouldn't disclose my address, they would not discuss the bill with me. As a matter of fact, the gentleman I spoke with hung up on me. I called back 2 additional times and was hung up on again. I called back a 4th time and asked to talk to a supervisor or manager and after arguing with me a bit, the wiman I was speaking with finally transferred me to a manger. Again however, this party refused to discuss it with me. I advsed them at that time that I knew my rights and that I still have not received a written communication from them and that I would be contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was hacked on multiple occasions and I believe it was an inside job. Ive called multiple times, and I made them aware that the first fraudulent transactions happened from someone pretending to represent Truist. I have now an overdrawn account, my money was not returned to me, no representatives can help and it just happened again today.

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 2022-08-01
Company: CVB FINANCIAL CORP.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/2022. I was prevented from entering Citizens Business bank located at : XXXX XXXX XXXX XXXX XXXX Ca. XXXX, by XXXX XXXX who introduced herself to me as the vice president of the bank. When I approached the front door, I heard it lock and I was met by XXXX XXXX who made me explain through the glass doors ( for several minutes ) during business hours, why I wanted to come in. I explained to her that I was a customer and XXXX XXXX asked me to show several forms of ID, including debit card, Driver 's license and also made me recite my account number all while behind a locked glass door. I was finally allowed to enter the branch. I filed a complaint with the corporate office and spoke with XXXX XXXX, regional branch manager the next day. She took my complaint and said that she would speak to XXXX and get back to me by Monday. Monday morning at XXXXXXXX XXXX, I went to a different Citizens Bank, in XXXX Ca. which is way out of the way, but I felt as though I'd get better treatment there than back in XXXX again. I was met by a friendly banker that was eager to help. She said that she saw something on my account that was strange. There was a note on my account that stated to call the Vice President before any money could be taken from my account. The banker told me that was strange and that she had no idea why this would be on my account. It was a flag. She made the phone call to XXXX XXXX, assistant vice president. XXXX wanted to know why I was taking my money out and said that it was " too dangerous to have that kind of money on me '' and also asked the banker if I had anyone with me. The banker was then asked to hand the phone over to me where I was questioned about my account and asked if I was planning to close my account and if I realized how dangerous it is to have that amount ( XXXX ) on me. I told XXXX that this type of treatment by Citizens Bank is absurd and that I would be making a complaint against the bank for being locked out at the XXXX branch and also for having my account flagged for no reason and needing to explain why I wanted to take my own money out of my account. She made me sit through a short lecture, the same type of lecture and screening that I had to endure in her office for two hours when I opened my account. When I hung up the phone, the teller was embarrassed and apologetic and explained to me that this type of behavior is extremely abnormal and that it is not unusual for a client to withdraw XXXX from their account. She explained that they see much larger transactions on a daily basis and that the only time an account would be flagged like his is if there is suspected fraud. I was completely embarrassed once again and mortified once again by Citizens Business Bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo I inquired about my daughter applying for a mortgage assumption on a loan in my name. The approximate loan to value is 65 %, loan balance is XXXX I have paid on time since loan began three years ago. As part of covid I asked for payment deferrals. I deferred about {$5000.00} which got added to the end of my loan, my daughter was unemployed and I am XXXX 

I was told because there is a lump sum added to my loan {$5000.00} that this made the loan ineligible for mortgage assumption. So the federal government passes laws to assist people during covid and you follow the rules and they are now held against you, you can't make this up. I worked for banks and am on the Board of a bank so I understand the process. No wonder Wells Fargo has such a dismal image they keep working on 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX # XXXX XX/XX/XXXX I SENT IN A DISPUTE ONCE AGAIN FOR UNVERIFIABLE INFORMATION IN MY CREDIT REPORT. IF U HAVE VERIFIED THIS IS MY ACCOUNT WHY IS IT SO HARD TO PROVIDE ME WITH THE DOCUMENTS SAYING THAT I OWE ANY DEBT. 

YOU'RE REPORTING LAST PAYMENT MADE XX/XX/XXXX AND THE STATUS IS REPORTING XX/XX/XXXX IT IS XXXX YOURE IN CLEAR VIOLATION.. 

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account Thank You, 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 2019-07-25
Company: Alliance One, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
After reconciling my bank account. I noticed a monthly recurring transaction in the amount of {$50.00} and a vague description of Check # xxxxxxxxxx which I did not authorize. The charge started in XX/XX/2019. This prompted me to contact my bank ( XXXX ) requesting if they had additional information regarding this charge because there is no description or identifier of the merchants name deducting monies from my account. XXXX provided a description for XXXX XXXX. I submitted an inquiry to the merchant and waiting on a response.

Company response to consumer: Closed with explanation