BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Haven't been able to login to my new CitiBank account for 2 months. XXXX XXXX notice XX/XX/XXXX that my account was frozen due to fraud and to call a number. Called the number XX/XX/XXXX and was instructed to verify a few things, including my phone number. They said my phone number was unverified and I was not able to verify my identity as a result, however they'd be in touch within 48 hours to get it fixed. Never heard back. Still unable to log into account, and my credit card bill is due, which CitiBank keeps emailing me about. Called CitiBank on XX/XX/XXXX to try and verify again, but the rep ended up hanging up on me when she realized she couldn't help me access my account due to my phone number not being verified. 

At this point I just want to pay my credit card bill and close my account, and it's impossible. The rep told me I'd just have to call back and try again, but that I'd get the same results. I'm concerned my credit will be affected. 

To top it all off, the reps were so incredibly rude and unhelpful and callous towards people whose money is unaccessible in CitiBank for no reason. They are clearly based in XXXX XXXX and have a clear script they must follow. They have no problem hanging up on you. I have no faith this will get fixed in any way but 3rd party intervention.

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 2022-06-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 at approximately XXXX XXXX XXXXXXXX I received text notifications from Chase ( XXXX ) notifying me that 3 consecutive ATM withdrawals had occurred from my checking account in the amount of {$1500.00}, {$1300.00}, and {$120.00} which effectively dropped my account balance to a few dollars. At this same exact time I was at work in XXXX, TX and the crime was happening in XXXX XXXX TX 3.5 hours away from me. I called the non-emergent XXXX XXXX PD number to report the crime at which I was told that because I lived in a different County I had to report it to my authorities even though the crime did not occur within XXXX XXXX ( Report number XXXX ). XXXX XXXX Sheriffs Department then told me the opposite, that I had to work with XXXX XXXX PD. 

As it relates to JP Morgan Chase, I notified them of the fraud and froze my accounts immediately that day on XX/XX/2022. After speaking with them I was told that the account was accessed through XXXX at an ATM through my Mother 's parent account which has access to my account and my sisters. They, too, had their accounts drained the same day and around the same time. My mother was at work in The XXXX, TX and my sister was at work in XXXX, TX when this crime was occurring. Chase told me they would look into it. Over the course of 4 months and varying calls, they investigated my claim around 4 times, each time stating they could not verify it was fraud. At the same time, the other 2 accounts impacted, my Mothers ' and my Sisters ', were verified to have been fraudulently accessed and Chase returned them the money that was stolen from them. 

There is a disproportionate and inequitable level of response and treatment here from Chase for the same crime. If money was returned to the other 2 accounts impacted by this crime, then how they continue to deny me is an error in their process and workflows. Chase has now closed my account, but has begun the collections process to try and get me to pay them the money that was stolen from me ( {$2900.00} ). My account went negative shortly after the crime, because my mortgage and other bills that are auto-drafted hit my account. Having been the victim of one crime I am now being asked to be double-victimized and be out {$5800.00} ( once for the money that was stolen, and now to repay Chase money that was taken from me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NY
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 Bank Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Dept of Soc . Svc. Child Sup 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Bank Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Consumer FinanceXXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX Dept of Soc XXXX Svc. Child Sup 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 an 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 2022-08-22
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX ****, has violated my rights. 

Hard inquires 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 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
old account past the stature of limitations is been put on my account and continue to be updated by XXXX and XXXX with current date. Accounts that do not belong to me due to identity theft.

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: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for a credit card with a balance transfer feature in XXXX XXXX. I received the card a couple of weeks later. I did not activate the card, because i was not going to use it for a while. On XX/XX/XXXX I reported fraudulent activity to the bank. There was a balance transfer for {$5400.00} to a company that I have never heard of or done any business with them and very obviously not done by me. Contacted the bank on XX/XX/XXXX and explained that it was a completely fraudulent transaction again and they promised a resolution by XX/XX/XXXX and told me this would be covered under their fraud protection program. On XX/XX/XXXX I received a letter claiming that there was no fraud. That claim is incorrect and impossible. I have never done business with the company that actually received the money, nor do I have any knowledge of the existence of that company. And more importantly the company that they say I owed money to is not listed on my credit report. 
The only way I found out about this problem was when I checked my credit and saw that there was a balance on a card I had never used.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: WI
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 2022-11-28
Company: Experian Information Solutions Inc.
State: DC
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 Notice some Fraudulent inquires on my credit report that I did not Authorize please remove it 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 2022-04-24
Company: ENOVA INTERNATIONAL, 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:
The following accounts show on my credit report, I do not owe money to these companies I'm asking for immediate deletion Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ). 
Delete the NC FINANCIAL account ( # XXXX, opened XX/XX/XXXX ). 
Delete the XXXX account ( # CAxxxxxx, opened XX/XX/XXXX ). 
Delete the XXXX account ( # XXXX, opened XX/XX/XXXX ) v

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was staying in XXXX with my XXXX, I was being XXXX  by him. I have a history of XXXX, XXXX and XXXX XXXX. I received permanent XXXX for these problems. I was supposed to fly back to the states on XX/XX/XXXX. My XXXX  XXXX who is on my bank account purchased the ticket. I would have purchased it but prior to this date Wells Fargo accidentally turned off my debit card, so I was being abused and had no access to my money in a foreign country. So my daughter made the reservation for my flight home on XX/XX/XXXX. Attached you will find a doctors not from XXXX stating I couldn't fly unless I was XXXX XXXX ok on the XX/XX/XXXX. I was not I had another XXXX do to being XXXX by my XXXX. I was struggling to get back by my health was deterating.attached are pics of the abuse and a police report. The American embassy in XXXX finally rescued me but I lost all my documents and have been struggling to get them back from my x XXXX. I filled a claim the week of XX/XX/XXXX. I submitted as much documentation as I could to Wells Fargo. I heard nothing from them but on XX/XX/XXXX I received a provisional credit of {$740.00}. I have heard nothing from Wells Fargo since then. Well on XX/XX/XXXX I received a letter stating they are reversing the provisional credit on XX/XX/XXXX. This is not rite. I have lots of documentation to prove my claim. If they reverse these charges my account will overdraft and I live in social security XXXX and a part time job. Please help me with this claim any other documents you need I will try to get you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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. 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 ( Original Creditor : XXXX XXXX ) XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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. 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 ( Original Creditor : XXXX XXXX ) XXXX, 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.

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 2022-09-18
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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: CCB Credit Serivces, Inc
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX XXXX XXXX card with American Express. I had understood there to be no annual fee. This was fine for 1-2 years, but then ( according to Am Express ) my " grace period '' expired. 

On/about XX/XX/2022 I was assessed a {$95.00} fee. I don't regularly use credit cards, and believe I did not receive a statement in the mail saying I had been assessed a fee. 

On XX/XX/2022 I learned of the fee when checking the junk mail of my email. I tried disputing it online and was unable to get the " person '' on the chat to talk about the fee. I called them at the number on the website ( XXXX ). 

I spoke with customer service for about XXXX XXXX. I explained my understanding to have been that this card did not have an annual fee. I asked for them to waive the fee and change me to a free card. They refused to do this. They explained that Am Express " wasn't allowed '' to do it because it was >30 days old. I asked for the name of the company regulator, and they refused to tell me what regulator I could use to determine if I was required to pay it. I'm hoping CFPB is the right one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Its affecting my credit score

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 2023-09-19
Company: ALLIED MORTGAGE GROUP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I spoke to the mortgage company mid XXXX to inquire why my mortgage payment was increasing so much. They stated it is due to my escrow shortage. I let them know they have the wrong amount for my taxes which was the same issue they had last year. They have my taxes at {$5500.00} which they paid last year on XXXX, XXXX, XXXX. A refund was issued for {$3700.00} on XX/XX/XXXX. They still have my incorrect tax amount and have significantly increased my payment. My correct tax amount is {$1800.00}. They will not review the most recent bill that is published on the tax website because they stated it was too old. I then provided an estimate directly from the county which they said they will not take because it is only an estimate. I was told the earliest they would resolve this is sometime in XXXX. This has caused my monthly mortgage payment to increase over {$400.00} dollars. 

The only resolution they offered was to stop my auto payment and wait till resolution. This is causing a large financial hardship with no resolution. I have already made two payments over the amount.

Company response to consumer: Closed with non-monetary relief