BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day, 60 day, & a 90 day late payment to XXXX, Equifax and XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, 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 Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

[ 15 U.S.C. 1681 ] ( 602 ) ( a ) : Congressional findings and statement of purpose. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C. 1681 ] ( 604 ) ( a ) ( 2 ) : ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day, 60 day, & a 90 day late payment to XXXX, XXXX and TransUnion from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX OH, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # 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 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a letter in the mail from Citi advertising a {$200.00} cash bonus promotion for opening a new checking account. There were some things to do in order to receive the cash bonus - send 2 payments using the account. I signed up for the account on XX/XX/XXXX. I completed the required funding ( XXXX XXXX  ) and the payments by early XXXX. I then called Citi 3 separate times to confirm that I had completed all the requirements and that I would receive the {$200.00} bonus. Each time, they assured me that yes, the bonus was coming and I just had to wait. Then Citi charged me XXXX XXXXXXXX for low balance fees in the account. It's now XX/XX/XXXX and I've just called Citi again to check on the {$200.00} bonus. They again gave me no answers and this time just said " they'd look into it '' and that maybe I didn't click some enrollment button? I then closed the account to stop getting charged these XXXX XXXXXXXX fees. The whole process is absolute garbage. Why would you send me a letter in the mail advertising a {$200.00} bonus and then make it impossible to get? Should the person receiving this letter need to call 10x in order to receive the bonus? This whole thing is a consumer trap and their customer service department is all based in XXXX and has no idea what's going on. They just try to placate you enough to get off the phone and then wear you down so you won't call back again. I absolutely terrible process and customer service. Not to mention that I've been a Citi credit card customer for over XXXX... insane this is how they treat customers.

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 2022-06-28
Company: Top Flight Assistance (Top Flight Credit Assistance)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I saw an advertisement on XXXX about this credit repair company claiming to fix your credit score and delete collections from your record. I called them and spoke to a person name XXXX, I explained to him my situation which is that i was looking to buy a house with my fiance soon but the only thing stopping us was my credit score. I also told him that I needed to move out my place within 90 days of the day I spoke to him which was on XX/XX/2021 and he then said, no problem they can fix my credit score within 60 days or so. I asked how much and he told me {$2800.00} dollars for the VIP service and that I will then receive a credit line that was already used for over 5 years and that will be my new credit score within the 90 days. I told him i could not afford to pay {$2800.00}, he put me on hold then told me he can do the same deal, " VIP service, credit fixed in less than 90 days with a credit line for {$1400.00} but only if i paid upfront. So i agreed, it all sounded very promising. I then proceeded to give him my card information, he took all my information down debited {$1400.00} from my card instantly but then they never answered my phone calls. I have received 2 messages from them ever since, asking me to upload and update my information and thats it. My credit score never improved XXXX single point, I have never been able to contact them, and I most definitely have not being able to even apply for a house with " the credit line '' they said I will get within 90 days. I feel so betrayed and fooled. They definitely need to give me my money back or they all need to go to jail. It is so sad to think they are doing this to many other people. I still see their ads on XXXX and XXXX but if I call them they never answer their phone and on their website they have a link to their email but if you write them they do not reply. I tried to get my money back through the bank but the bank said they couldn't do it because it had been longer than 90 days since I made the purchase of this service. They are getting away with my money and still on social media ads trying to get other people when they know XXXX  well they do not fix anything or wont answer once you pay them. Please do something. Im so mad they took my money by deceiving me, they took advantage of my need and capitalized on it, I was vulnerable and they took my money furthering my chances of buying a house. I tried to contact them just now and their phone message says they are open monday through friday XXXX it is tuesday XXXX pm but no one is there to answer. Its a web of lies. This is fraud at its finest, scam XXXX taking advantage of people in need.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
in XX/XX/XXXX I was a victim of identity theft through Wells Fargo XXXX. I feel like I should be compensated Reason being I lost my military career over this scam and I haven't been able to recover since then. If you look into my files I was humiliated ignored and mislead about this current case and I need somebody with the ability to get my funds right. I've been waiting over 9 months I should be compensated more for pain & suffering alone. On top of the years of my name being bashed through the credit system, my credit score is currently XXXX and I'm having a problem with getting that house for my wife and my XXXX children and also a vehicle to get around with my XXXX children due to my credit then so low. I have never even apply for a credit card before I was activity military I always pay my bills on time! I had an XXXX XXXX military checking account which came with identity theft insurance in which states on your website that I should be compensated up to {$10000.00}. I have attached that file for anybody who does not agree with my insurance policy! This case has been an investigation since XXXX of XXXX and I've been proven not liable for the Fraud done to my account, I've proven that this incident did have an affect on me being XXXX from the military ( general ) I might add. But yet Wells Fargo 's refuses to compensate me. I lost my military career in the world 's greatest XXXX XXXX I deserve my credit to be restored and compensation for it all.

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 2022-06-28
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a letter disputing several inaccuracies on my credit report. The company continues to state that the inaccuracies are verified. NONE of the disputed accounts have been DELETED from my credit file. 

ALL account are inaccurately reporting which goes against my rights as a consumer according to the FCRA

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 2022-08-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have not used a USBank credit card for years and I have tried to close the account numerous times by telephone and email. The last contact was a telephone call on XX/XX/XXXX, when I actually talked to a real person who said she would close the account. I just received an XX/XX/2022 statement indicating I owe a balance of {$26.00} because they charged me a fee of {$20.00} and a past due fee of {$6.00}. 

We paid the previous invoices ( {$67.00} in total fees charged in 2022, but no purchases ), although we kept trying to close the account, just to preserve our credit rating in case their robot talks to the credit rating agencies robots. 

Why do I have to complain about a spurious {$26.00} bill? A friend told me he fought the same battle for years and the fees keep coming and adding 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 explanation
Consumer complaint received 2022-06-28
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NATIONAL RECOVERY AGENCY is falsely reporting debt on my credit report. They are reporting two different accounts ; one in the amount of {$1200.00}, and another in the amount of {$970.00}. NATIONAL RECOVERY AGENCY is reporting both of these collection accounts, to all three credit bureaus with a false original date of XX/XX/2022. Both of these collections accounts are too old to be on my credit report. NATIONAL RECOVERY AGENCY is not legally allowed to report these debts to the credit bureaus according to the FCRA. It is the burden of NATIONAL RECOVERY AGENCY to prove that these collections reports are legitimate and they can not do so therefore these accounts must be removed from my credit report. NATIONAL RECOVERY AGENCY must stop reporting these accounts immediately as they are in violation of the FCRA. 

XXXX has recognized through a dispute that these collections accounts are illegitimate and they have been forcibly removed by XXXX. Please see attached dispute report. 

However, despite this NATIONAL RECOVERY AGENCY is continuing to report false information to the other credit bureaus. 

NATIONAL RECOVERY AGENCY ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NTL RECOVERY AGENCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citizens bank by far is the worst. 

I filed a complaint to CFPB before for being unable to reach their customer service due to always busy phone line. Eventually, the bank got back to me after I filed a complaint. In the call, I emphasized that I wanted to close all my accounts with them. However, after several months, I received an email from them saying they will start charging maintenance fees. I logged into my online banking account, and realized that they didn't close my saving account. I couldn't do it without calling their customer service again. 

I highly suspect this bank deliberately makes it difficult for customer to contact them. By now, their online chat is still unavailable. By all means, they try to charge fees. There are bad reviews of this bank all over internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX and Equifax from XXXX of 2017. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 of XXXX i sent in dispute letters to transunion, XXXX and XXXX After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter. 

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief