BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until I realized that was a scam on XX/XX/XXXX. I was using this online service that does my XXXX  work for since I am an XXXX and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my XXXX  portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on XXXX and XXXX. XXXX stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Transferring money : XXXX {$1000.00}, XXXX {$400.00}, XXXX {$600.00}, XXXX {$1400.00}, XXXX {$4000.00}, XXXX {$5600.00}, XXXX {$8600.00}, XXXX {$4000.00}, XXXX {$6800.00}. Total {$32000.00} During this time, i would get XXXX of phone calls day and night and was told that if i dont send money they will report it to XXXX  and make kicked out. I asked for my friend help on Saturday night and found out that this was a scam. 
We have talked to the bank so many times if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me. 

this is company information XXXX XXXX XXXX XXXX  I have a information their bank account and phone number.

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 2023-01-12
Company: Experian Information Solutions 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:
Please be advised that this correspondence IS NOT A Dispute, rather a demand to remove the inaccurate information being furnished on my consumer report ( s ). This notice is being sent in reference to the charge-off account ( s ) which you claim are in derogatory condition and are unlawfully reporting. 

Pursuant to the IRS publication XXXX, it is unlawful to furnish income on a consumer report. According to the IRS, a charge-off is defined as income and you must file a XXXX You are in violation of the law by furnishing income on my consumer report. A charge-off can not be considered both income and debt. Remove this information from my consumer report ( XXXX ) immediately.

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 2023-10-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-09
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received e-mail from Ally Bank on XX/XX/XXXX advertising a Cash Bonus program. If I was to transfer {$50000.00} from an outside source into a new Ally Online Savings Account before XX/XX/XXXX, I would receive a {$500.00} bonus ( 1 % ) as long as I didn't withdraw the funds until after XX/XX/XXXX. The bonus would be deposited by XX/XX/XXXX. I did everything exactly as the terms dictated. I didn't even withdraw funds until after XX/XX/XXXX, which was supposed to be the actual crediting date. When the Bonus didn't appear in my account, I called Ally twice on XX/XX/XXXX and again on XX/XX/XXXX and also submitted an internal written online message on each of those days. They said there was a glitch in the system and that it would be resolved within 7-10 business days. Today is XX/XX/XXXX and the issue is still outstanding.

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 2023-03-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
on XX/XX/2023 I call Equifax and told them a lender was trying to pull my credit file and it was coming back as fraud, I spoke with what i was told supervisor XXXX ( XXXX ) at XXXX, I was told to fax over a copy of my id, and social security card to XXXX and in 5 days it will be fixed. I called back the next day and was told by XXXX ( XXXX ) that my phone number needed to be added and it will be fixed in XXXX Today the lender tried to run again same fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I signed up for a loan/lease with Acima in order to pay for an XXXX XXXX XXXX XXXX. And I pay off the loan incrementally after Ive had the item delivered to me. I did this back in XX/XX/2022. Sometime late XXXX. And I was expecting my item at some point while paying off my loan. Its now XX/XX/2022 and I have yet to receive my item and basically am never gon na receive it even though acima is still trying to charge me for the lease/loan. Ive called them repeatedly asking to get the account closed because at this point Im not receiving the item and Im over it. They keep skating by me. Theyve told me to file a police report for my account because that's the " only '' way they can terminate the lease. I filed the police report online and the police didn't accept it. And when I went to the police station to file it in person, the police wouldnt even let me file the report because they thought filing a report was unnecessary. They believed no criminal offense was made, they told me sounds like you just got into bad business. And Ive called acima back asking them to close the account and yet they still wont let me because they need the police report, which I know isnt true. They dont actually need the police report, they can close my account without it. They just dont want to close the account. I've been holding up my end of the bargain in this process. Taking time out of my day to do these police reports and finding some ways to get the account closed and acima isn't holding up their end. I couldnt care less about getting the money back from them. I just want the account closed and this lease/loan off my credit report but acima practically wont let me do that. This is genuinely a bad company who doesnt care about what their customers want, even if theyve been basically scammed. I never got my product despite paying the lease/loan, now I just want the account terminated and this loan off my credit report. Thats all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have submitted numerous disputes with experian in regards to accounts that I have no knowledge of, and the company is preventing me from filling another dispute for re investigation. I am fully aware that it seems like my inquiry is being done by a computer operating system..I have detached my rights below I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2023-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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. 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 info
rmation 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX  Loan # XXXX Last week I received this notice in the mail, See the attached Loss Draft Process Overview. 

Due to the way I have been Previously treated by this company, I would like to request verification that I DO NOT currently have an active Loss Draft and that there is no reported damage or current repairs to or effecting my property. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: CAINE & WEINER COMPANY, INC.
State: MN
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:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/2023, XXXX XXXX : XX/XX/2023, CAINE WEINER Reported : XX/XX/2023, XXXX XXXX XXXX Reported XX/XX/2023, XXXX XXXX XXXX Reported : XX/XX/2023. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CITIBANK, N.A.
State: MA
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:
This complaint is a follow-up to complaint number XXXX. I just went to my account and was informed that I needed to call their is a fraud alert on my account. What happened was I was trying to make a payment to a company in XXXX, XXXX XXXX, and every time I tried it was declined. I called Citi and they couldn't figure out what was going on. They would try to do something on their end and then asked me to try again and it would get declined again and put my account into fraud mode again. This went on for hours and they could not fix the problem and then basically said they don't know how to fix it. This morning, XX/XX/23, I called Citi because of the fraud alert. They said they needed to verify my information. I answered all the questions and then they wanted a telephone number of a relative with my last name to call them to verify my identity - that is totally unacceptable. I said that I would not give them a number a relative with my last name. They said the would send me a letter in the mail to in 5-7 days and that will tell me what to do. I opened this account 4 days ago. This has been by far the worst customer service I have ever experienced. I have decided to close all of my accounts with Citi.

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 2023-05-22
Company: Kikoff Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I installed app subscription to improve my credit score. After couple days I called and cancel my subscription but they still charging my card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has a violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Experian Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXX  XXXX ACCOUNT # XXXX  Account name : XXXX XXXX  ACCOUNT # XXXX Account name : XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXXACCOUNT # XXXX Account name : XXXXXXXX XXXX XXXX/ACCOUNT # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX  XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crime 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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: PA
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 lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXXDEPT OF ED : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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:
For past few months, all XXXX credit bureaus have been subtracting points and give no reason, other than a generic message for all. I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. I pay off loans, leases and CC balances and lose points. Points have just randomly been taken. My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and screwing people over.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation