BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.

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 2020-04-21
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close an old account. As I don't have an active phone number on file ( was not required when I set up the account ), Citi Bank have advised only that I must visit a branch to provide ID ( as part of their understandable Fraud Verification process ). 

I have explained that I am unable to visit a branch and am willing to provide any other verification methods ( as I have done before with their Customer Service team ). 

When I tried to explain that I could not visit and do not have a phone registered with them, the agent said " I've already explained that you must come in ''. 

When I asked if there was an escalations process or a regulator, they said there was none. They then hung up the call.

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 2022-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I saw that around XXXX. I seen many pre approvals on credit karma at first I didnt pay it no mind but credit karma kept sending me pre approvals. Telling me I was pre approve for credit cards, and personal loans and that I could refinance my car. Every day I would see these offers and everytime I log in to check my credit scores. So basically after a few months of being told I was pre approval I totally thought I was in the perfect place to apply .I got so many offers from credit karma I started to tell my whole family about investments and vacations we were going to use these pre approvals for .So I finally applied around sometime 2020 and I got denied for two credit cards and a personal loan. I was distraught and very angry and felt very deceived. For months credit karma told me I was pre approved which was very much a lie .I was severely stressed out for weeks .I had migraines so bad I became anti social. My XXXX went from zero to one hundred. Now every time I see pre approvals I immediately close my phone and shut my computer off. This definitely has made me so uneasy I havent checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XX/XX/XXXX Executive Response Unit Citibank , N.A . Office of the President XXXX XXXX XXXX XXXX XXXX, SD XXXX In reference to your letter dated XX/XX/XXXX responding to CFPB Case # XXXX regarding blocking my Citicard credit card account I have the following comments : 1. Both your letter and your summary to the CFPB omitted the amount of the potential fraudulent transactions. {$10.00}. I repeat the amount here to emphasize that I expect common sense to determine security actions. Blocking my account over a potential fraud of {$10.00} is not using common sense. 2. You write Please contact the merchant to ensure they have the correct information on file. No. I will advise my wife to use another credit card in this doctor 's office. Why is n't Citicard staff performing followup with this merchant? 3. On XX/XX/XXXX I complained to CFPB. On XX/XX/XXXX you state you reviewed my account and the block was removed. Why did you not remove the block prior to my CFPB correspondence? My initial emails to Citicard were dated XX/XX/XXXX.  Apparently if I want timely results I should be contacting CFPB before I contact Citicard. 4. On the issue of the Citicard Secure Messaging Center I was able to send two emails, but the third was not accepted by your system. I think you have system problems, and your resources should be expended fixing these problems, rather than annoying customers by blocking accounts. 5. You state your Fraud Department is not able to use your Secure Messaging Center, and requires telephone contact with customers. Again this is a resource problem for Citicard. You have to design your systems properly to allow for internet and email verifications. If there are any future problems with my account I will be contacting CFPB directly because they have been more responsive and helpful to me than Citicard staff.

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 2020-04-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a business account with Chase Bank for 17 years. I found 3 unauthorized check transition on XX/XX/2020, and reported to the bank right away, it took me 4 hours and speak with an outsource customer service in XXXX, it's really hard to understand what they said. The very second day those 3 checks were refund by Chase but another 9 checks flood in over night and took out all the money in my account. I reported it right away, it took another 4 hours. That was XX/XX/2020, They did not refund my money until today XX/XX/2020. Now is a very difficult time with COVID 19, and I have nothing in my account to keep my business running. What should I do? How long should I wait, it's not my fault but it's my money more than XXXX dollars. Can you help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ).

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates. 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not my 2 items 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 2017-07-24
Company: Experian Information Solutions Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Experian is reporting that I had a foreclosure, however we have sent them several letters from   XXXX   XXXX   XXXX    stating that the 2nd mortgage ( what I 'm having an issue with ) was forgiven and was paid. They refuse to change their raw data, so that when my new lender tries to run automated underwriting (   XXXX  ) I get a decline. My lo an officer called   XXXX   XXXX  and they are saying the raw data from Experian is still showing Foreclosure.

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 2022-06-14
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( US DEPT OF EDXXXX ) .... 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 2020-05-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I submitted a compliant to Equifax asking them to investigate the inaccurate bankruptcy their agency is reporting, I have submitted documents to support this claim but I never heard anything back from the Bureau nor was the Bankruptcy verified, with verifable proof that I requested, This Bankruptcy does not belong to me, but someone with similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have had my student loan on a income contingent status I submit my pay stubs and household income and information in 2016 my account was reported as 90- 120 days late I called to inquire about this and was told since I faxed in several pay stubs for the month there was a confusion about the amount I really earned and they calculated me making 3 times the amount of my actual income I thought the account was at a payment of {$0.00} dollars monthly when I was changed to a payment of over {$300.00} dollars a month I was not made aware of this change and when I did realize it and called the company handling my loan they fixed my payments but my account still shows that my account was 90- 120 days late keeping my credit score from increasing. I would like to resolve this and get this delinquency removed from 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 2017-07-21
Company: AES/PHEAA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX {$210.00} Balance is {$0.00} now XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: IL
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 or about XX/XX/2019 I notified : XXXX, XXXX, and Experian about fraudulent unauthorized accounts on my account via a dispute. XXXX and XXXX  did fix some of the errors. However, Experian did not remove any of the errors on my report. I went on to submit a second round of request in XXXX of 2019. Again, XXXX  acknowledged the errors and removed some of the unauthorized accounts. However, Experian did not take any actions and all of the unauthorized accounts remained on my report. In XXXX  0f 2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : Experian, XXXX, and XXXX  left the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by 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 2022-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BANK OF AMERICA XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
{$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. 

XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services

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 2022-06-14
Company: Foris DAX, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Crypto.com lists on their app you can bank wire money and have it available in up to 7 business days. I have sent money to Crypto.com on XX/XX/XXXX and it was taken from my account XX/XX/XXXX. I was expecting to be able to freely use my funds because they money was gone from my account. When I attempted to withdraw, stake, or even transfer my funds I was told I was unable to because my instant deposit was being verified. My bank shows Crypto.com had no problem verifying that my bank account exists and they took my money. I keep trying to contact customer service to which they tell me funds arent available for 7 days counting only week days. Im on their day 7 and still cant do anything with my funds. Crypto.com is extremely misleading by promising your finds to be available within 7 business days when in fact they will steal your money and make your funds unable to be moved from their account for 7 what they call business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
-I called Wells Fargo on XX/XX/22 to alert them XXXX checks I had mailed did not make it to recipient -I researched on the Wells Fargo website and it said for lost or stolen checks, there would be no fee to stop payment on a check, as it is no fault of mine as the consumer that a check got lost/stolen in the mail. 
-I called the XXXX number for Wells Fargo and requested to stop payment on check as it would have to be considered lost or stolen since it was mailed and not received by intended recipient. 
-The customer service rep originally tells me there would be no fee given the circumstances, confirming what I read on their website. 
-The rep put me on hold and returns telling me different information. The rep said she she spoke with a supervisor & I was going to be charging me XXXX fees of {$31.00} dollars, for a total of {$62.00} because it was XXXX checks, despite these checks being lost or stolen, not by own doing. She also said she could not guarantee the stop payment even after being charged the fee. 
-I said I was trying to do right by the bank as a consumer -- I know if a check is stolen and cashed the bank is liable to reimburse me if illegally cashed but I rather stop payment on the check than make the bank liable if it was cashed by whoever stole the check. I then said I was told by the rep there would be no fee and now I am being told there is which is poor customer relations. 
- I was then told there was nothing they can do to help me nor would they waive the XXXX stop payment fees.

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 2020-01-26
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They called me in XXXX about a XXXX XXXX credit card that was in my name that someone else apparently had been paying on or never paid on. Me myself had never gotten a statement from them at my current address that I been living at forever they never contacted me on the phone about this card until XXXX and obviously I was never linked to this card or they wouldn't have contacted me at this point and I assume they got my number out of old records after XXXX XXXX sent them this information because I've done business with Midland Credit Management through other companies. XXXX XXXX never contacted me not have I ever in my life had a XXXX XXXX Credit card. I told them all of these things and they even asked me if there was someone on my family that I know of that would have used my information. Clearly if I knew that I wouldn't be having this problem but they continued to harass me they repeatly called me just recently here in XX/XX/XXXX harassing phone calls and some in late XXXX after I told them Stop calling me, I never had that card and I'm constantly working over the road as a XXXX XXXX so that gets irritating I've pretty much reconciled all of my debt since I been driving so if that was actually my card why wouldn't I have reconciled that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have a XXXX XXXX account for XXXX XXXX that was paid in full and as agreed. The online system for XXXX XXXX did not accept a bank account with a leading XXXX. The was subsequently fixed by XXXX XXXX. I made payments as agreed and XXXX XXXX fixed the final payment with my bank account having a leading XXXX. Now months later both Trans Union and XXXX are reporting negative information when my account was pad in full as agreed and has a XXXX balance.

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