BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 am a consumer, I am identified in the FDCPA under 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), the fair credit reporting act is intended to ensure accurate and fairness of credit reporting pursuant to 15 USC 1681 ( a ), pursuant to 15 USC 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am aware that you have assumed a vital role and that you are not a part of government, nor a political subdivision. 
I am a victim of fraud and/ or identity theft. I have not consented to, authorized, nor benefited from the following accounts and inquiries. Block and remove remove the accounts and inquires from my consumer report within four ( 4 ) days pursuant to 15 USC 1681c-2. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}, UNAUTHORIZED INQUIRY, NOT MINE- XXXX XXXX # XXXX placed for collection XX/XX/2021 Balance {$890.00}. The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports.

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 2022-04-15
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. XXXX XXXX ( XXXX XXXXXXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: DISCOVER BANK
State: KY
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:
On XX/XX/2022 I received inquiries letter from XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX 's which I did not applied for any of these credit card and I am not sure where these inquiries derived from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: PNC Bank N.A.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank Simple was purchased by BBVA which was purchased by PNC. I struggled to get them to close the account, but eventually gave up and just transferred my funds out instead. Now they're charging a card associated with a bank that was closed over two years ago and charging me predatory overdraft fees that I never consented to because my money was transferred to them without me ever agreeing to their terms of service. They are even threatening to send me to collections even though this whole mess was caused by their refusal to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After sending the attached letter to Experian I received a response stating that Experian had contacted the company reporting the information I disputed ... ..and instructed them to review all information we provided concerning the dispute, verify the accuracy of the information, and provide us a response to your dispute, and update their records and systems as necessary. 
I have never given written or verbal consent ( as required by FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) ) to the Bankruptcy court, XXXX XXXX or any other party to share any public record information they might have on me with any Credit Bureau or anyone else ; including 3rd party suppliers of information. According to the FCRA, only information which has been Validated as true and correct can be reported on my credit file. Third party " verification '' does not meet the legal standard of validation, but, is merely heresay. Heresay can not be the basis for reporting an item on my credit file under any circumstance. A validator must have first hand knowledge of the information being validated. It is obvious that a court clerk or anyone else looking at a computer record and passing on that information as being " Validated or even verified '' does not meet the standard required by the FCRA nor by an abundance of court cases. While the information reported on my credit report has been challenged on its authenticity and its accuracy ; it is obvious from the Bureaus response, that they have no interest in listening to that dispute based on their acceptance of " verification '' as being legitimate. Therefore, I am asking you to investigate the way in which Experian conducts its " validation '' process

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 2017-03-22
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX XXXX 2017 My family member mailed a check via USPS-to Citi card, as payment to my account. On XXXX XXXX this check was cashed by citi card bank. I have an email copy of the check showing this. By XXXX XXXX my account had yet to be credited. On XXXX XXXX I call to speak with a supervisor, who is unable to find the payment. She tells me I must open a payment investigation & asks for all the info on the check-which I provide. I am told citi card will locate the check & credit the account within 4-5 days. She also informs me a conditional credit will be made until it is found. 

On XXXX XXXX I receive a letter from citi card requesting additional copies of both sides of the check, and complete bank statements -which I do not have access to ( as the check-was sent by a family member from a different state ) The letter threatens to erase the conditional credit & re-bill my account if I do not provide info by XXXX XXXX. Wow, Re-bill my own account a payment-which was already sent to them, received & cashed by them! 

Also note : This is my second payment investigation with citi card in 6 months. Another check I mailed was similarly cashed immediately but NEVER posted to my account. When I contacted them, they claimed it " lost '' and unable to be found for 6 months. Payment investigation involved a lengthy, time consuming, and costly process- requiring numberous faxes, service fees, phone calls & mailed documents to get my own check posted my to my own account. I am seeing a rather atrocious pattern of mishandling of payments. 

I have been a long time customer, making timely payments for years, with a good credit score. Citi bank does not seem capable of quickly crediting my account for the amount I sent, with the information I already provided to them. I am currently on XXXX and undergoing medical treatment, and no longer feel at this point they are capable of resolving this issue easily -which is what I expect from this company and why I have reached out here. 
Thank you

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 2022-10-19
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: Was not notified of investigation status or results

Complaint:
I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.

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 2022-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I HAVE ACCOUNTS REPORITNG ON MY CREDIT REPROTS THAT I DID NOT OWN THEY WERE ADDED DURING A CYBER DATA BREACH I NEED ALL THE ACCOUNTS REMOVED FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: MoneyLion Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company is giving me the run around with a recently reported 30 day late on all 3 credit reports. They automatically take money from my bank account every week and my account on their website does not update correctly. This caused a huge issue with my account. My account is now paid off as of last week and I was told I was not going to be reported as late once it was cleared up. Their interest fees are also astronomical, based on this my account should have been paid off long ago. All I want at this point is for them to correct the error on my report that shows I am late 30 days. This has ruined my credit horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MI
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 Acct # ( XXXX ) & XXXX XXXX XXXXXXXX Acct ( # # # # # # 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 2022-09-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This is not my debt and I have asked repeatedly in writing and over the phone for proof of debt. Documentation provided to me that this is in fact my debt under the protection of the law. Just because they say it is mine doesnt mean it is, I am owed proof of debt under the law. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made XXXX payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!

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 2022-05-04
Company: LoanCare, LLC
State: CO
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:
LoanCare, a mortgage company that held the mortgage on a property I used to own reported a late payment to the credit agencies for the month of XX/XX/XXXX. I sold my property that LoanCare held the mortgage to in XXXX of XXXX so there was nothing to be delinquent in XXXX. I contacted the company to have them correct it but almost 5 months later they still show it as a dispute by consumer on my credit report and this is affecting my ability to qualify for a new loan for a new mortgage.

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 2015-05-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I APPLIED FOR A MACY 'S CREDIT CARD AND PURCHASED XXXX ITEM WHEN I GOT MY APPROVAL IN THE AMOUNT OF {$53.00}. I WAS INFORMED THAT I WOULD RECEIVE MY CARD AND THE STATEMENT IN THE MAIL. I WAITED AND WAITED AND DID NOT RECEIVE ANYTHING. THEREFORE, I WENT INTO MACY 'S AND ASKED THEM TO PULL UP MY ACCOUNT. I TOLD THEM THAT I OWED THEM MONEY AND WANTED TO PAY OFF MY ACCOUNT. THE CUSTOMER SERVICE PERSON WAS NOT ABLE TO PULL MY ACCOUNT AND STATED THAT I DID NOT HAVE AN ACCOUNT WITH THEM. UPON LOOKING AT MY CREDIT REPORT, I REALIZED THAT MACY 'S HAD REPORTED ME TO THE COLLECTIONS AND IT WAS SHOWING ON MY CREDIT REPORT. I DID SOME RESEARCH FOUND A CUSTOMER SERVICE NUMBER TO CONTACT AND WHEN I DID, THEIR RESPONSE WAS THAT THEY MAILED OUT THE CARD AND THE STATEMENT AND CONFIRMED A CORRECT MAILING ADDRESS FOR ME, BUT FOR SOME REASON BOTH THE CARD AND THE STATEMENT WAS SENT BACK TO THEM AND THEY NEVER CONTACTED ME TO ADVISE ME OF THIS MATTER, EVEN THOUGH I HAD PROVIDED THEM WITH ALL CORRECT INFORMATION. THEY WANT ME NOW TO PAY THE BALANCE OFF AND THEN TRY TO DISPUTE THIS MATTER SO THAT THEY CAN CONSIDER REMOVING IT OFF OF MY CREDIT REPORT. I WOULD LIKE THIS MATTER INVESTIGATED SO THAT I CAN CLEAR UP THIS MESS AND HAVE IT REMOVED FROM MY CREDIT REPORT AT ONCE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I booked a vacation through XXXX. I had to cancel due to my sister in law being put on life support. I canceled the vacation package from XXXX and my hotel was refunded but not my flight. XXXX stated that I would receive a flight credit. I never received a credit for my flight from XXXX nor the third party airline - XXXX. When I finally got fed up and called both companies I was given the run around. XXXX decided to take away {$270.00} dollar of my flight credit leaving me with {$430.00} dollars. They also charged me {$700.00} for the flight despite me having a receipt showing that the cost of the flight was {$680.00}. I alerted Citi Cards of this matter and they charged me the {$700.00} despite my receipt transaction being {$680.00}. They then said that they could not do anything about my flight credit because I never received any communication, in writing from XXXX. Instead I had to call about my flight credit. This battle involving XXXX and XXXX exceeded my XXXX grade period I had to use the flight therefore all of my flight voucher was forfeited due to the slow process at Citi. Citi has left me, the consumer, with no support in this fraudulent charge for the flight nor any support in {$270.00} being taken away from my flight credit despite what penalties are posted on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: DISCOVER BANK
State: GA
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:
I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Capital Accounts, LLC
State: TN
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:
There are items in collections on my credit report that I have no knowledge of and did not authorize under any circumstance. I have already disputed these with all XXXX credit bureau 's ( XXXX, XXXX, XXXX  ) in which nothing has been done. The collection items are from XXXX XXXX XXXX XXXX for the amount of {$660.00}, and XXXX XXXX for the amount of {$900.00}. I have never had either one of these accounts. This is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Connecticut XXXX Equifax XXXX XXXX XXXX XXXX, XXXX, GA XXXX RE : XXXX Account XXXX Dear Equifax : I am writing to you in reference to my XXXX account. A new account number was issued by the creditor because of a brand name change. You list this account as a new account. The account was opened in XXXX. 

You list the old account status as " Closed by credit Grantor '' This remark is considered negative on credit reports. 
You list the account as a new account and credit line. The account was transferred to a new account number. 

Equifax lists my account as a " newly '' opened account. This had changed the average age of accounts and caused a credit score decrease. Please adjust your records to show the date opened on this account reflects the date opened in XXXX. 

I have enclosed a letter from XXXX that shows this is an existing account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed.

According to to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a letter rom Experian National Consumer Assistance Center, XXXX XXXX, XXXX TX, telling me that the address on my credit report had been changed, on the strength of an erroneous address supplied by a company that checked my credit after I had purposely lifted a security freeze so that company could do so. As the attached letter to Experian shows, my address has remained the same, regardless of erroneous information accepted by Experian. My credit report also shows that I am " known as XXXX XXXX XXXX and XXXX XXXX XXXX, '' though my correct name is, as I have always reported, XXXX XXXX XXXX. At no time do I use an alias, and I find offensive the concept that Experian accepts erroneous information and lists it as if it were official. Having this information on my credit report may leave me open to charges of misrepresentation, or to financial fraud committed against me, such as identity theft. I demand that Experian correct my name and address on my credit report, and eliminate these alternate versions of my name that could be construed as aliases. It is a shame, and it should be a crime, for a credit reporting service to change a consumer 's personal information because of a potential creditor 's errors, so as to potentially damage the consumer 's reputation or expose him to criminal activity. People working office jobs for creditors make errors carelessly, and these should not be cause for altering personal information supplied by a consumer in good faith. Why should a credit reporting service be allowed to alter a consumer 's personal information on a credit report, based on a creditor 's office worker 's mistakes?

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