BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NY
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 sent complaint several times to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. 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. 
. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NY 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 2019-12-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITIBANK. I deposited a check for {$14000.00} in a New CITIBANK account on XX/XX/2019. Because the account was new they placed a 5 day hold on the deposit. This Hold was removed XX/XX/XXXX. On XX/XX/XXXX they removed the hold - I used some of the funds and then my card was blocked. I was notified Citi was closing my account - I had an ending balance of {$8200.00}. I was told they would mail out a check - they have not. I have received {$0.00} from CITIBANK. They are holding my money. Every time I call, they say they mailed a check. I spoke to one lady who said " Citibank has taken possession of these funds. '' I have asked for invoices and statements to be sent to me - no one does anything. They say it is confidential. They are holding my money and have stated this multiple times.

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 2017-01-30
Company: Paris and Paris, LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been making monthly payments of {$200.00} to Paris & Paris to pay off a outstanding loan balance to XXXX California. I initially sent a payment of {$2000.00} and have been making payments of {$200.00} for more than 2 years. I had been making payments of {$250.00} prior to this before missing several payments due to financial troubles which did not allow me the chance keep up with the payments. Since them I have kept my payments on time. I asked to see a statement of my beginning balance minus all my payments plus interest to see how much was left on this debt, but was denied. I believe that is not legally right, and I want to know exactly what I have left to pay off my debt. Please left me know if I have a legal right to this information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is to inform the CFPB that as a consumer I have the power to delete Any information that is inaccurate on my consumer credit report. as a member of the United State Corporation the company XXXX XXXX XXXX Has violated my personal Private information, I have Create it a PDF file I will share that PDF file with the CFPB, and you can share that file with XXXX XXXX acceptance I am requesting the CFPB to do a proper verification in regarding the violation Of XXXX XXXX contract I have been disputing this account for two years now and the information comes back verifiable I have asked XXXX XXXX acceptance to delete the information posted illegally on my consumer credit report. XXXX XXXX need to provide me with verification of my permissible purpose Verification Signature. I did not give XXXX XXXX permission to post this information on my credit report I have also in the past try to settle this Dispute with XXXX XXXX acceptance. Which is not leading to any agreement in this contract. I have a PDF file that I am providing to the CFPB with an explanation of the violations XXXX XXXX has taken. that are violating my rights as a member of the United State corporation is unacceptable, I do not want to Conduct Any business with this company anymore. The company XXXX XXXX acceptance Motive Is to damage the United States Corporation and the banking system. XXXX XXXX does not understand the truth in Lending Act. XXXX XXXX does not understand that this account has been paid in full since the day This account XXXX XXXX fault. I have also asked XXXX XXXX to provide me with 12 CFR XXXX  followed by XXXX In the process of the two years disputing this account, I have asked XXXX XXXX to provide me with those documents. Until the present day, XXXX XXXX has not provided me with the 12 CFR documentation that I as a consumer has requested by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Bank of America closed my credit card accounts, despite the fact that they were all current. Next the bank informed me when I called about the card accounts that in fact ALL MY ACCOUNTS, including a business account and my adult daughters account were being closed. When asked about the reason, the bank provided the statement 'For business reasons ' we no longer want you as a customer. 

That fact that no reason was provided and the fact that I was not provided with sufficient notice of such account closure violates my rights. 

I have been a customer of Bank of America since XXXX, which makes this action even more suspicious and arbitrary.

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 2022-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, 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 Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$220.00} ; CXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; 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 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 2016-04-04
Company: DISCOVER BANK
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I received in the mail an offer from Discover bank to open a checking account and link direct deposits to receive a welcome bonus of {$300.00}. I submitted the application online using the promotion code and supplied information to fund a new account from an existing checking account with another bank. I noticed after a couple weeks that I did not receive any follow-up communications from Discover nor had my initial deposit been taken from existing checking account to fund this new account. I contacted Discover 's customer service and after researching they realized they had a system error when it came to verifying my name. I was told I could reapply even though it was outside the offer period, but that notes would be included in my profile to give me the welcome bonus once I satisfied the direct deposit requirements. I did satisfy those requirements, and confirmed it with customer service in XX/XX/XXXX, and again in XXXX 2016. I was told by customer service I had completed the requirements and that communication would be sent to their rewards dept to send me the bonus. Last week upon inquiring again the status of this bonus, I was told by their rewards dept that I didnt meet the requirements because I opened the account outside the offer window. This goes in direct contrast to what was explained to me when I resubmitted the application so they could correct their error and again when I confirmed I had satisfied the requirements. Had they told me months ago that they could not honor their offer then I would never have gone through the hassle of setting up a new account and linking my direct deposits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: WI
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 refuses to release a copy of my report so I can address the inaccuracies within.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 my information on my report disappeared. When I would call they would not give me any information. I faxed my information to Equifax and the guy asked me " how did I find out? '' They have yet to respond nor have they corrected the issue. I am afraid that if not addressed it can happen again. Now I live in fear because someone has use of my social security number. I notified as many people as I could including our local district attorney general office. I used XXXX XXXX because I was a victim of Equifax 's breach and that was how I caught it. Please help! The XXXX charge was from a hospital. XXXX can verify this because my XXXX worker at that time paid the bill due to myself being covered at that time. One was from XXXX XXXX XXXX and one was from XXXX XXXX which I paid. I paid off XXXX XXXX XXXX. I also paid off XXXX XXXX. All have vanished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage Corporation will not endorse my insurance check for hail damage even though they have had the check for one week. I have the XXXX receipt to prove it. I even enclosed a return next day envelope.

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 2022-07-26
Company: EQUIFAX, 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:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX XXXX Balance : {$2.00} XXXX XXXX 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 2016-10-26
Company: ZIONS BANCORPORATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I applied for a VA loan in XXXX 2016 and was told 2 months later that it could n't be done because my purchase was too small so I was recommended to do it with a Home Equity Line of credit with the purchase tied into that. So I started the application process for a second time. I was told that the purchase process would take 6 weeks to be able to purchase a {$14000.00} home. That was on XXXX XXXX. The appraiser was supposed to have the appraisal done by XXXX XXXX and it did n't get done until XXXX XXXX 2016. On XXXX XXXX I called to find out when we could close on the purchase of my home. I was told that everything was still in the appraisal review department and that they had not received the appraisal yet, I wonder why I had to call in and get that information before anyone started anything for a follow up with the appraiser. Here I am now, waiting to get my home equity line of credit to use as a purchase and make some necessary upgrades and some credit consolidation. This is taking an unreasonably long amount of time. I expressed my concerns to the bank but have been told there is n't anything further that I can do. My loan officer has her hands tied and has escalated it as high as she can go in the processing department and it seems the behind the scenes paperwork just is n't getting accomplished. It is n't hard to be on top of the process. This is causing me a lot of XXXX.10 weeks and counting to purchase a manufactured home is way too long. I know that if the bank expected payment 6 weeks from the application date that I would have been sent to collections and possibly foreclosed on if I did n't meet my obligation. The bank has an obligation to me, the customer, to process this in a timely fashion. It just is n't happening. All i am getting are excuses.

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 2023-03-15
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023, I received a phone call from a XXXX XXXX of Frost Bank. Apparently, someone opened a bank account online in my name, using my personal information and details. After speaking with Frost Bank, it was confirmed this was a fraudulent transaction and I did not open an account with them. Frost Bank immediately closed the account, and advised that reach out and report the fraud events.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover is reporting a debt that does not belong to me. I have attempted to dispute with XXXX, XXXX, and XXXX  and Discover has refused to send me the validation necessary to leave it on the credit reports. 

DISCOVERBANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
These companies obtained my consumer report unlawfully violating a plethora of my consumer rights. Not only did they obtain my consumer report unlawfully they are reporting to the credit reporting agencies as inquires. These companies are XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021

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 2016-05-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that wasused to verify the accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible.Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX 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 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 explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 complaint last XX/XX/XXXX to delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX  XXXX, XXXX XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX Date of inquiry : XX/XX/XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/XXXX letter. Ive already included this in my previous Complaint # XXXX and I am including these items again.

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