BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account and saving account got blocked and placed on the accounts after I deposited a check every time I called the fraud team when they transferred me to the deposit risk team. For the past week, I can't get ahold of anyone for the long wait time, checking account XXXX and saving account XXXX. My account phone number is XXXX. Please unblocks both accounts.

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 2022-08-23
Company: DISCOVER BANK
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I originally asked Discover bank to open a checking account. They instead opened a online savings account for me. On XXXX XXXX deposited a {$15.00} check using there app. On XXXX XXXX received an email saying my check had been posted to my account. That's the last time I was on there app on my account. On Friday XX/XX/XXXX I received an email from discover bank saying my account was frozen. I called that afternoon and was told it was closed due to a business decision by discover bank. I asked for a reason and was told they didn't have to give me a reason. I then asked about my {$15.00} and was told it was sent back to XXXX XXXX. I asked how they could return {$15.00} to a bank after it was already posted to my account. Discover bank said that's what they did. We contacted XXXX XXXX  and was told they wouldn't return the {$15.00} because they couldn't be sure if the funds were mine. That's a lie because I've been receiving a check every month from that account because of a part time job. Also on XX/XX/XXXX I requested to speak to a supervisor. The lady put me on hold for XXXX minutes. She came back and said she could not find a supervisor but she would have one call me back in 24-48 hours. It is now Tuesday XX/XX/XXXX and still no call. I know that lady never tried to get a supervisor on the phone because before I hung up I told her to tell her supervisor I was filling a complaint with the Federal Reserve. She said I already did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've disputed the company XXXX XXXX numerous times on my credit report due to them still reporting every month after we reached a settlement. It's still reporting negatively on my credit report monthly like it's still open and that's not fair. I already paid and settled this account. I also put security alerts and fraud alerts for all credit bureaus and someone was still able to run my credit fraudulently and bring my score down. This is not fair!

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 2022-12-08
Company: Skopos Financial, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Purchased a vehicle and had it financed to include Gap insurance. The car was totaled in an accident XX/XX/2018 and paid off by my auto insurance. Recently, I found that the finance company was showing a balance of $ XXXX on my credit report. Skopos Financial sold that supposed debt to a XXXXXXXX XXXX XXXX. I have spoken with the claims agent at the insurance company that reports ; '' XXXX XXXX '' is a feature provided by the finance company not the insurance company. In this week I have called SKOPOS a number of times both their corporate number XXXX to receive no answer and their customer service number XXXX to only be disconnected after i entered my ssn. 
When I purchased the Gap insurance - I was led to believe that if anything happened with that vehicle this will fill in the Gap. I have noticed online there are a number of open lawsuits against this company and I hope they are not for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ive received numerous emails and and letters to my fathers house about things I have no idea about

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 2022-06-09
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-10-21
Company: AFNI INC.
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, XXXX XXXX have never applied for credit application or any inquiry with AFNI. AFNI is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report on date of XX/XX/2020 without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 found fraudulent accounts on my credit report I was applied for a credit and I found some one used my personal information and open credit under my name.

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 2017-04-26
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Okay, again, this is in rebuttal to the very offensive response to previous complaint #  XXXX .   So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in  XXXX   WITHOUT  the continued attack on my credibility and having a passive aggressive stance in your language in response.     Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account.     I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling  me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should  either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication.     Therefore, this complaint i  s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors.
It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences.
As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response.
It is my hope that CFPB is paying close attention to this thread!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted Experian, XXXX XXXX, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
XXXX has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.

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 2022-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, The reason that I am writing this letter is that the BOA denied my dispute. I bought a ticket on XX/XX/22. After almost 10 days, I tried to call the agency, however, there was not any customer service even mentioned on the website that 24 hrs. I also sent several emails, but I received only auto reply email. I called my Bank to ask dispute. After almost 2 months without any notices, BOA recharged me for this ticket. I called BOA 3 times to let them know that there was not any customer service for that agency, but the rep told my I have to call agency and if I disagree for the result of dispute, called court to follow the case!!! I asked for appeal and Rep told me that there is not any this facility. I sent several emails but all responses are auto reply and I also tried several times to call customer service, but unable to connect it. On website, this agency has full information, however they do not have any customer support. On the other hand, my XXXX returned and I have some treatment and my doctor recommended me not to travel till I am better. I am unable to connect to customer service, because there is not have any human there. In this case, how can I talk to them even the websites are perfect. I am really disappointed. Please help me. 
Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX, XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2015 XXXX XXXX X/XX/2016

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 2022-12-08
Company: Experian Information Solutions Inc.
State: MI
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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:
I Am, XXXX XXXX submitting this complaint to EXPERIAN INFORMATION SOLUTIONS INC and there is no third party involved. EXPERIAN INFORMATION SOLUTIONS INC has violated 15 usc 1681b ( 2 ) by furnishing inaccurate items on my consumer report WITHOUT THE WRITTEN INSTRUCTION OF I, THE CONSUMER. I DEMAND REMOVAL/ DELETION EFFECTIVE IMMEDIATELY AND I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different amongst all three credit reporting agencies - XXXX  account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account number XXXX. THE FOLLOWING ACCOUNTS ARE INNACURATE AND I DEMAND PAYMENT HISTORY BE UPDATED REFLECTING POSITIVE HISTORY ONLY- XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT NUMBER XXXX. I ALSO DEMAND EXPERIAN INFORMATION SOLUTIONS INC VERIFICATION METHOD. WITHOUT RECORSE

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