BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

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 2018-06-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 XXXX and Equifax has my credit score dropping over 38 points for transunion and 48 points from Equifax There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the XXXX web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good XXXX XXXX XXXX XXXX XXXX XXXX XXXX Excellent EQUIFAX Updated XX/XX/2018 Calculated using XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: TX
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:
Company ran my credit 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 non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am writing this complaint with regards to the data breach of Equifax data reported on XXXX XXXX 2017 ( but discovered in late XX/XX/XXXX ). I am upset for these reasons : 1. That Equifax allowed this to happen ion the first place.
2. They do n't offer lifetime credit monitoring for free, instead only offering a year.
3. Signing up for this year requires me to relinquish my right to join in a class action lawsuit Please punish this company severely for this breach of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax let itself get hacked then waited two months to reveal this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Hello! Equifax scandal!
Close the company DOWN!
Request SEC investigation of their executives.
Shut down ALL credit reporting scandals!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX acct number XXXX states that I owe them {$1300.00} I dont know what this is please have them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, I wrote an appeal letter to inform Bank of America of fraudulent charges made on XX/XX/2022, with my card ending XXXX. That dispute was denied with a final decision of no fraudulent activity taking place. XXXX consecutive charges were made in the amounts of {$540.00}, {$3400.00}, {$3400.00}, and {$2000.00}. Currently, I reside in XXXX, California, these transactions were all made in Florida. The morning of XX/XX/2022, at XXXX am, I was at XXXX in XXXX, California purchasing groceries. My card was in my possession the entire time and is still in my possession today. It was after the fact that I received a text at XXXX pm, I immediately contacted Bank of America after receiving this text message, regarding these transactions. Although it was a long wait to speak to a representative, a dispute/ investigation was started at approximately XXXX pm. 

I followed up with the investigation of my account and still, Bank of America is still considering it no fraudulent activity was taken place. I asked what have they done to contact the merchant or verify these transactions. They stated it is still denied and that apparently, I had enough time to fly out to Florida and make these purchases. All these transactions were made online. No flights were purchased to Florida, and at that time I was at work and informed them if a letter was needed from my employer.

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 2021-02-23
Company: JDJ Investments, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBS collections at XXXX XXXX XXXX, XXXX, La, XXXX has been calling me for debt collection notices in the amount of {$4200.00} the collection has been report as past due balance. I do not know this company. I have never done any business with this company. This company does not have the contract with my signature.

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 2022-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been a co applicant on my home equity aka mortgage for the last 20 years and it does not show up on my credit report and never has and it has negatively affected my credit all these years. The primary person has it show up on his credit report and I notified the bank to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
This is a complaint stemming from the Equifax security breach reported in XXXX 2017.
I have had to place a fraud alert on my credit history with all credit bureaus. This is going to cause delay in the financing process as I am currently working to purchase a home in a highly competitive market. Sellers in my area are closing from many many offers from buyers and time to close is becoming a huge differentiator in this market. Due to this incident, my time to close will likely be delayed due to the fraud alert requiring additional verification on any credit inquiries. This can make the difference between my family being able to purchase the home of our choice or not. 

As this was a direct consequence of what appears to be negligent security practices on the part of Equifax, it is not out of the question to ask for some remuneration to offset the possible lost time and lost opportunity that we will now experience in buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: VA
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:
Due to Equifax 's gross negligence with my personal data - vast amounts of information is out in the public now due to their data breach in XXXX 2017. This includes SSN, Address, CC Numbers, Date of Birth - effectively anything someone needs to impersonate me. Equifax 's position as one of three major credit reporting agencies demands unparalleled data security. The fact a web application could bypass this demonstrates a complete breakdown of basic security practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Diversified Consultants, Inc.
State: AZ
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:
In XX/XX/2018, I opened a business account with XXXX XXXX XXXX in my company name. My account was closed in XXXX and they reported to the consumer credit bureaus in XXXX that they gave me a Line of Credit for the negative balance on the account. They also reported the account and my EIN to XXXX as a negative bank account. I contacted the bank and asked why are they reporting on my personal credit report and was told that they gave me a line of credit when I opened my account but I never applied for it nor did I receive it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I previously submitted a complaint with the CFPB and was told of the resolution stating to call American Express. I did, and XXXX XXXX happened to be online, though i was unable to speak with him. However, the rep i did speak with did talk to him. He stated he had no idea what i was talking about. Even the rep said it is unheard of for any refunds, returns, or compensation. After over an hour an 15minutes waiting for a resolution, I was hung up on. No reply to the email I sent. A quick XXXX search of XXXX XXXX shows a vast number of reports against him. He is an employee of American Express. But either he is a massive liar, or people are using his stamp. Most likely he just fills out a general statement and doesn't expect follow up or follow through. Either way, my resolution ... as great as it sounded ... was fake. I was even informed that FLOS, the department i was told to contact, NEVER deals with this type of issue and they had 0 idea why I was told to contact them.

I simply want this fraudulent company to own up to their deceipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian informed me that they dont have to review or conduct an investigation. I was told that they only have to send the information I provide to the furnisher and whatever the furnisher says is what it is. Experian informed me that they always side with the company, it doesnt matter what I say and They will not do an investigation. This was all recorded. 
This is definitely against fcra laws.

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 2019-03-29
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
XXXX XXXX is listed on my credit report as " Charge off '' and still reporting a balance of {$410.00} when they have turned it over to collections also ( invoice attached ). I will attach the Negative and false entries from XXXX XXXX and XXXX. It is showing a utilization of 139 %. I will also attach the collection letter from the collection agency that is also wanting to collect. 

In the comment sections of my credit report, XXXX XXXX does not show that they have turned it over to collections, when in fact they have. I have XXXX XXXX trying to collect from me, and I also have XXXX XXXX ( Collection Agency ) trying to collect from me. All of this information on my report from XXXX XXXX is erroneous, and I would like it deleted. I will also attach my certified letter sent I sent to them. Tracking Number XXXX. 

I would like this incorrect item deleted from all three of 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 explanation
Consumer complaint received 2016-01-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I got scammed when buying a XXXX in XXXX of Legends, which is boosting from platinum XXXX to diamond XXXX. The seller asked me to send to money through friend/family. Now he never reply a single message from me through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: AL
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:
As a result of the recent negligent behavior of Equifax, I was negatively affected by The error that caused borrowers to be wrongfully denied loans or pay higher rates. As a result, fraudulent items are being furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CITIBANK, N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I was scammed out of {$4400.00} through a forged certified check scam. The bank that received the money electronically, Citibank, immediately froze the receiving checking account due to suspicious activity. The account remains permanently frozen. I know the Citibank checking account number and routing number where my money was sent and have been communicating with the account holder via telephone and text messages to get my money back. The account holder said her bank ( Citibank ) told her the money was returned to the sender ( me ) but my bank account does not show a refund. I tried to contact Citibank for assistance, they kept transferring me to different departments, and the last person told me I am not a Citibank account holder and they can not help me. When I asked who I can speak with about this, she said " Have a good day sir '' and hung up on me. The account holder said she spent hours on the phone attempting to resolve this matter with her bank and getting my money refunded to me but Citibank was uncooperative with her as well. She described the bank 's behavior as a " runaround ''. She is blocked from accessing the account to verify whether money remains in it. 

I opened investigations through my own bank, XXXX XXXX. They notified Citibank that the money was received by Citibank as a result of a scam. XXXX XXXX said there are no pending transactions from Citibank to indicate a refund has was sent to me. XXXX XXXX said they did all they could at this point. 

Additionally, I filed a complaint with the FBI soon after the date of the scam and have not received any follow-up communications regarding the progress of the investigation. 

Can someone assist me?

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Approximately XX/XX/2020, I was fraudulently charged a higher Insurance rate by XXXX XXXX XXXX. I am a XXXX recipient and by law am allowed to opt out of certain insurance products, of which I chose to opt out. XXXX fraudulently applied those amounts, charging me a higher amount, even though I provided proof of my active XXXX status. Through their representative Caine & Weiner, they are continuing to attempt to collect this fraudulent debt and causing me greater hardship by entering this information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Through inadequate data protections, Equifax, has allowed mine and millions of others very personal identity data to be leaked. ( Their own site acknowledges that my personal data was likely included in the breach. ) While the breach itself should be investigated and prosecuted. Equifax should bare extraordinary responsibility and fault in this breach, as I as a consumer have no choice in protecting my data from Equifax and other credit agencies themselves, should I wish to participate in the modern economy. 

To make matters more egregious, their recourse is to provide me with a credit monitoring service, which i myself must manually engage, and maintain. And yet still this will not protect my credit and identity. It will simply alert me once the a problem has happen. To do this would, i would need to at minimum freeze my credit, which I must purchase, at my own expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, BK OF AMER, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, BK OF AMER, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report 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 non-monetary relief
Consumer complaint received 2023-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Sent Wire transfer for mortgage processing found out it was a scam Bank told me they would refund my money in XXXXwo days this was 30 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
On XX/XX/2021 a person I know encouraged me through social Media to trust in his financial mentor to invest in bitcoin and other crypto investments. 
After some talks and " orientation '' I was asked to invest by first sending a XXXX payment of {$1500.00}. This money would then appear in a website they have and multiply in 48 hrs. 

I soon realizes it was a fraud scheme and the person I know was involved as well. 
I reported the case to a federal agency and immediately to my bank. Bank of America. 

The bank suggested me to wait a period of 60 days, after 60 days they mentioned they weren't able to retrieve any funds from the other person and that they were closing the case. 

I have been banking with BofA for 12 years and they weren't able to help me when I was scammed.

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