BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022, I received a telephone call from someone stating they represented Citibank corporation regarding a credit application that was opened in my name. I did not complete this application nor have a signed credit with Citibank corporation. The representative stated that he was reaching out to me because the email seemed fraudulent. He also mentioned they would deny the application and suggested that I contact the federal trade commission to report this fraud because my personal information had been compromised

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights, 15 USC 1681 section 602 A states I have the right to privacy and 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 2022-04-25
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My problem is simple : on XX/XX/XXXX an unauthorized transfer of {$200.00} was made from Venmo to go to my daughter XXXX which she never received. I only know this because the transaction showed up on my XXXX XXXX account as a transaction from Venmo. My daughter doesn't even keep the Venmo app active on her phone unless she is expecting to make or receive a transaction. Instead of Venmo correcting the error and returning the funds to my account I talked to a Venmo rep who said she needed my daughter to call to say the transfer was not received and was not requested by her. She did so. Then we called together to explain and were told the money would be replaced on XX/XX/XXXX. 

We called Venmo again and were told the money went to her XXXX XXXX account. It did not ; she transferred the money back to me via Venmo at XXXX on XX/XX/XXXX. She had to download the Venmo app to do so, which she did.The {$200.00} has not been returned, we've talked to several representatives none of whom seem to be able to correct this error or even explain how it happened. And we get a different story every time. First I was told this unauthorized transaction may have happened accidently if my phone was unlocked in my purse similar to XXXX XXXX XXXX XXXX someone. Then a rep told me I tried twice on XX/XX/XXXX to send the {$200.00}. I never authorized any payment to my daughter and we have spoken to Venmo separately and together to get this resolved. I mentioned this mysteriously happened once before in XXXX. I simply got in touch with Venmo, they reversed the transaction, charged me a transaction fee and that was resolved. I disputed the fee and that has never been resolved. Now, I had to get " permission '' from my daughter for the money to be returned, she had to verify who she was before they could accept her " permission, '' and on and on. Plus, Venmo has NO NOTES on all of these calls so we have to start from the beginning each time we call or I write to the company. There is no trail of information about unauthorized payment. When I asked, what if the recipient had not been my daughter but a stranger, would I have had to get the stranger 's permission for Venmo to correct the error? I get no response to that question. The final email I received said my case was denied because the {$200.00} transaction was not unauthorized! 

I need my {$200.00} put back in my account. It is causing me to have to monitor my account daily to keep from being overdrawn, which is now likely to occur before the month 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: SC
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 account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, USDOE/XXXX  account # XXXX XXXX XXXX  XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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.

You DID NOT have my written instructions to do so. If so, PROVIDE THEM.

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: ONLINE Information Services, Inc.
State: NC
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:
I have filled a complaint with the XXXX regarding this matter also, This company is reporting incorrect information on all 3 of my credit reports stating I owe them, I currently have XXXX XXXX lights in my name, the only way to have a open account is if the past due is paid in full, I paid this balance over 2 years ago Ive asked the reporting company to provide proof that I owe the balance or immediately permanently remove from all XXXX of my credit report and they have failed to do so, I have provided proof of a updated bill thats currently in my name from XXXX XXXX meaning I dont owe a balance to them, they will not allow you to have service until a balance is paid in full I need someone to please investigate this listed account throughly and have it permanently removed immediately are {$1000.00} fine should be paid for reporting incorrect information to the credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Comenity Visa has been declined consistently over the past few days despite the account being in good standing. There may have been a charge the company flagged as " fraudulent, '' although it was not, but I have been unable to contact them via phone or their website to resolve this issue. My understanding is that I am far from the only one experiencing this problem with the company. Very frustrating, as several other accounts that depend on this card are failing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Approximately a month ago I accepted an offer for a free trial of Experian XXXX XXXX from the Experian credit bureau. At the conclusion of the free trial I decided not to continue the service. Now, whenever I sign on to the Experian credit bureau 's website to access their free and legally mandated services and to review my credit report, it has me locked out of my account and demands payment for their subscription service. It offers no ability to contact anyone order confirm cancellation of the service and it has me completely locked out of my account and refuses to allow me to create another account with which to access my free 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 2022-09-22
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I CONTACTEDC EARLY WARNING FOR MY FILE AND THERES XXXXXXXX XXXX ACCOUNTS AS WELL XXXX XXXX XXXXXXXX ACCOUNTS ON MY FILE STATING I OWE THEM OR I MISHANDLE ACCOUNTS. WHICH IS NOT TRUE THE FACT IS THOSE ARE FRADULENT ACCOUNTS THAT DOESN'T HAVE MY SOCAIL AND WRONG ADDRESSES I NEVER LIVED AT NOR HAS THEY BEEN ON MY CFEDIT FILE SO I NEED THIS FIXED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022, I opened a new 1 Year CD online with CitiBank. I had {$250000.00} transferred from an existing CitiBank savings account to fund the new CD. During the online procedure to open the CD, I specified that the monthly interest earned on the CD should be added to the CD balance. On XX/XX/2022 I checked the balance on the new CD to find the interest had been deposited into my savings account NOT the CD as I had instructed. After hours of being transferred from one customer rep to another on the phone, I was finally informed by CitiBank that the CD interest could not be changed to post to the CD until the maturity date. So, basically, all interest earned on my new CD is being deposited into my savings account earning a lower interest rate. Not only is this a result of the banks error but it prevents my interest on the CD from compounding which saves the bank money. I find it unacceptable that CitiBank refuses to correct this issue.

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 2022-09-22
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this account that does not belong to me which is reported erroneously. I am in desperate need of this account to be REMOVED and BLOCKED. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
I have become a victim of identity theft. I recently pulled my credit report and found fraudulent accounts on my credit profile that need to be removed immediately. This has ruined my life. I see several accounts for various amounts of {$29000.00} ; XXXX ; XXXX ; XXXX ; etc. I have tried contacting the company about these accounts and nothing was done. I simply ask that these accounts be removed. I have not given any company authorization to furnish anything to my credit profile which is a direct violation of my privacy and rights as a consumer. Please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
I have become a victim of identity theft. I recently pulled my credit report and found fraudulent accounts on my credit profile that need to be removed immediately. This has ruined my life. I see several accounts for various amounts of {$29000.00} ; XXXX ; XXXX ; XXXX ; etc. I have tried contacting the company about these accounts and nothing was done. I simply ask that these accounts be removed. I have not given any company authorization to furnish anything to my credit profile which is a direct violation of my privacy and rights as a consumer. Please fix this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 you 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 block/remove these files. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date XXXX : XX/XX/2019 Balance : {$7900.00}, and XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you 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 2022-06-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a checking account with Citibank. I recently received an email that there was fraud on my account and that they had locked my account. Then they emailed me saying that the account is to be closed due to a violation of the terms of my account per the client manual. 

I did not do anything that violated their terms and I have tried to call them to figure out what the issue is but they leave me on hold for hours and then when I finally talk to someone, they tell me the account will be closed and they hang up.

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 2022-07-29
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a signed contract from XXXX ( XXXX ) for services I would provide, in part paid for with a {$1000.00} non-refundable deposit. I sent an invoice through XXXX for that deposit, the invoice clearly stating it was non-refundable. That invoice was paid through XXXX on XX/XX/XXXX. Two days later, with no reason given, I was texted the words that the contract was null and void, and the money was going to be demanded back. Shortly after, I received a message from XXXX that I owe them {$1000.00} and a {$15.00} dollar fee. I contacted XXXX, they provided the information that the payment was made through a charge card with Wells Fargo bank. I disputed the charge-back, providing objective evidence of the non-refundable nature of the deposit. I tried to resolve this with XXXX, they said it is an external issue with Wells Fargo. Wells Fargo says it is an issue with XXXX. Neither has any interest in resolving this. In the meantime, XXXX has threatened to send the information to a collection company. No lawyer will take on a big lawsuit for {$1000.00}. Can you help?

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

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 2022-07-29
Company: EQUIFAX, INC.
State: NC
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 is on my credit report. This account does not belong to me. Here is the information : XXXX XXXX Account # XXXX, opened XX/XX/22

Company response to consumer: Closed with explanation