BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a Citibank account with XXXX XXXX at Citibank in XX/XX/2023. He set my residential address as XXXX like it had on my ID and my other address here in XXXX. Since then the fraud and customer service department has harassed me almost everyday by locking my account for no reason. I take uber to work 10 times a week and every Saturday and some morning they would claim XXXX as fraud and lock my account till I called and spent XXXX on the phone. This caused me to late work two times which resulted in my termination. Now they have completely frozen my account and will not let me into my checking account. It is XXXX and I am unable to pay rent which could result in an evictions. The emotional stress it has caused me after dealing with identity theft for two years caused me to nearly try and kill myself. The customer service number passes you around and keeps you on the phone for hours causing me to miss appointments and undue stress. They are holding a check but also locked my checking account which has left me completely penniless as I closed every bank I had to ensure I was reducing the threat against me from my identity thief. I am in absolute tears. I have XXXX XXXX cats and I do not know what to do with them if I am evicted. I just want my account money and to be able to be compensated for lost wages, late fees for rent and the stress this has caused me. If my friend had not been here I do not know what would have happened when I wanted to harm myself.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: OH
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 disputed these accounts on XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 by letter, and with the CFPB electronically on XX/XX/2023 which is currently marked as closed and verified for these items. This means you are required to updated the report showing your completed investigation reports and proper statuses. I am showing below that these accounts are showing as " Account Not Disputed '' based on your most recent reporting as a credit bureau. 

I am showing that the bankruptcy information that is being reported is inconsistent across bureaus. They have completely different court names & different filing dates. These were verified as accurate in the investigation you completed. 

Furthermore, all of these accounts there is one account that XXXX in specific is not reporting " included in bankruptcy. '' This is a major violation that should have been done corrected from the start, if you concluded your investigation throuroughly. Now, you no longer have the chance to correct it. You need to delete these items. 

These inaccuracies are all serious violations of the FCRA and consumer rights of accurate reporting to my credit report. 

As a result of the negligence of your investigation not being done properly, & the numerous attempts I have made to ensure my information is being accurately reported, please delete these accounts immediately as you have violated my rights & the Fair Credit Reporting 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 explanation
Consumer complaint received 2022-12-13
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
Attempted to open a credit card with American Express. American Express queried XXXX for my credit report. XXXX is reporting to American Express that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: CURO Intermediate Holdings
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:
A XXXX XXXX XXXX  account ( XXXX ) was determined to be sent to a collection agency ( ad astra recovery services inc ) that does not have the proper permits to collect debt in the state of Texas, the collection account from ad astra recovery service originated by XXXX XXXX  is incorrect and reported on my credit report without my authorization. I do not own this debt. 

I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted speedy cash and also ad astra recovery services and requested this information to be verified, removed and updated. they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under act 15 u.a.c 1681 ) XXXX  ( XXXX XXXX XXXX XXXX collection derog ) 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 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I did not open this credit card so the company closed it and said they would pay us {$280.00} that would take 2 to 3 weeks. Well it is past 3 weeks and I still have not received it. Now they are not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I pulled my credit and noticed that my student loan accounts were still reporting. On XX/XX/2023 I got an email notification stating that the credit bureaus would be updated to remove all negative payment history and remarks and the balance on all my student loans would reflect a XXXX balance. I decided to call the main credit bureaus to address this issue because the seven student loan accounts are not incorrectly being report. At that time, I was advised that none of the reports have been updated to a XXXX balance and the negative history remained. My consumer debt is now reflecting that I owe debt that I do not owe and I can't get them to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed several accounts with TransUnion in XX/XX/2023. Upon supposed completion of the investigation a collection accounts was validated/updated erroneously. 
I have never had any contract or agreement with this collection agency XXXX XXXX XXXX. I also have not given them permission or authority to report anything on my credit reports and they have not and can not provide such documentation of any agreement or consent because it does not exist. They have provided no evidence whatsoever that this debt it accurate or valid at all yet is has not been removed from my credit report.

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 2023-05-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
At leasttwice a month I'm being charged overdraft fees for XXXX that did not overdraft my acct

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 2023-05-01
Company: EQUIFAX, INC.
State: NE
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My payments are and have not been applied correctly to my loan. My balance on the loan of my mortgage is incorrect as well as my escrow account. Never notified of changes made to account, when there is shortage in escrow I am not made aware of it until I look at my statement to find out what this amount is on my statement. My balance is rising because they are adding {$200.00} and {$300.00} hundreds of dollars concerning as payments whic my escrow ich is causing my mortgage to rise without my knowledge, and trying to say my taxes are rising which i don't on the statement any changes. Taxes coming and I don't know for what because they don't say on statement whether it's hazard, flood etc. I just need help and I have talked to lots of people at US Bank with no resolution, and hud counselors never have any answers.

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 2023-05-01
Company: LEXISNEXIS
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a XXXX that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.

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 2023-05-01
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: Their investigation did not fix an error on your report

Complaint:
TransUnion is listing a XXXX account twice on my credit report. I have disputed the error with TransUnion on two occasions, requesting that TransUnion correct the error by removing one ; however, TransUnion continues to report the XXXX account twice on my credit report resulting in it appearing as two accounts. TransUnion is in violation the FCRA laws by continuing to report the same account twice and not properly investigating the dispute.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus XXXX, XXXX, and TransUnion have these codes. I have requested through XXXX, XXXX, and Transunion but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23

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 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT AND I CONSTANTLY TRIED TO REPORT IT TO THE CLAIMS DEPT AND I WAS TREATED UNFAIRLY AS IF WHAT I REPORTED WAS FALSE I WAS ALSO TOLD THAT MY CASE WAS INVESTIGATED AND IT WAS NOT I DID FIND OUT THAT MY INFORMATION HAS BEEN USED IN ONE OTHER STATE AS WELL AS HERE IN MICHIGAN. JUST LIKE I TRIED TO TELL YOU BEFORE.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to delete 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an offer from Comerica Bank to apply for a XXXX. When I logged into my account it stated " You don't have any accounts enabled for Comerica '', although I was able to log into my account. I made 3 calls to Comerica to find out what the problem is. 
CALL 1 : I spoke with XXXX, he asked for my debit card number and the last 4 of my social, and was able to access my account. He told me " your account is in a shuttable status due to inactivity. '' He told me I would need to drive into a local branch ( 50 miles each way ), when I told him I will not drive XXXX XXXX  when this can be taken care of over the phone, he told me to call the local branch number from their site after XXXX XXXX 
CALL 2 : XXXX refused to verify my account with the same information as the previous agent and asked for ( the year I opened the account ) and my checking account number. I provided all the numbers including the routing number. He then told me to drive to the nearest branch XXXX miles away. I asked for a supervisor he refused, I asked 3 more times and was transferred to ( XXXX XXXX, who stated she is a supervisor. She told me " Since you failed the verification you need to call back for another agent. I asked for their corp phone number she refused and told me to call customer service. 
* They have held the money I have in the account collecting interest for them and refusing to assist. This is FRUAD! How much other customers ' money are they holding collecting interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I paid off one account I had with this company. There were two accounts they had in my name that owed over XXXX dollars. On XX/XX/2023 I was notified from their managers email that one of the debts were false so it would be taken off my report. Ever since XX/XX/XXXX I have not been able to get in contact with the manager and the false report has not been removed from my account. When I call the procollect number the associates are very rude and only answer my questions with you have to email the manager I just want an answer as to when this will be removed or if it even will.

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 2023-05-02
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief