BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: UT
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:
XXXX # XXXX account errors as follows : 1. payment history for 2 years when there was no payment history past XX/XX/XXXX which was the last payment date. 

2. shows " paying as agreed '' when the account was closed in XX/XX/XXXX. 

3. the fact that there is payment history showing for XXXX that skips XXXX and completely ignores the fact that there has been no activity since XX/XX/XXXX but shows activity for XX/XX/XXXX when the account was closed in XX/XX/XXXX is completely and utter errors of Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: BlockFi Inc
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a credit card with BlockFi, which issues rewards via XXXX XXXX Since using the card, I've accumulated XXXX XXXX or ~ {$640.00} in rewards. Per the terms, these rewards become my asset/ I have individual ownership once issued. 

The problem is, BlockFi recently stopped all withdrawals and has now filed XXXX XXXX -- I can not collect my rewards. They say this meets their terms, but if I own the rewarded XXXX, aren't they breaking those terms by refusing to relinquish my asset? 

Since they won't let me withdraw my rewards and I believe are breaking the agreed terms, what protection do I have? I owe {$5700.00} on the card and have removed automatic payment. Can I legally stop payments without penalty while disputing this issue? If I do need to continue making payments, can I leave the equivalent reward balance unpaid on the credit card without penalty? 

What protections do I have here?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: NJ
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 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hello, I recently have encountered an issue with Citi bank here, I recently had my direct deposit hit on XX/XX/18 I had enough funds to cover my payment to XXXX XXXX for XXXX however Citibank decided to return payment because my dispute was closed.which is not fair my credit dropped XXXX points thanks a lot Citi bank.

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: Experian Information Solutions 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 was the victim of the XXXX data breach and my personal identifying information has been used to apply for and open several accounts which are not mine. 

I have identified the following accounts as not mine : XXXX XXXX XXXX XXXXXXXXXXXX XXXX ending in XXXX I have completed a notice of identity theft with the Federal Trade Commission and have notified the credit bureaus. I have requested a fraud alert be added to my credit reports and have disputed the fraudulent information. 

Yet Experian continues to report the fraudulent accounts. I am doing my due diligence in working with the creditors and law enforcement yet Experian is disregarding my information and disputes.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 XXXX 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
Consumer complaint received 2022-10-24
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:
In accordance with FCRA, the creditors listed below have violated my rights under 15USC 1681, SEC 602, which states I have the right to privacy, 15 USC 1681, SEC 604 9a ), Section 2, which states a Consumer Reporting Agency can not furnish an account without my written instructions. 

Creditors : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2020-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts on my credit report that are not mine. Please remove them.

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 2022-11-27
Company: CITIBANK, N.A.
State: NC
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:
My card was declined due to potential fraud. I called the Citibank number on the back of the card. In order to verify my identity, they put me through a series of inconvenient and weird hurdles. They wanted to call the receptionist at my employer. I tried to explain the company I work for is a very large corporation, its Saturday, and they do not normally verify employment. Eventually I was able to convince them to verify through an alternate method. They then asked to verify by calling another credit card company. They would need my full card number. I refused to do this due to how suspicious this seemed. I also have XXXX other cards with the same bank so this seems unnecessary. They then tried to verify my phone number through the provider but were not able to do so. Eventually they just called my number ( the same one I was calling from ) and that was sufficient verification. Overall this is an entirely inconvenient and dumbfounding process that does not inspire confidence in Citis capabilities. Asking for my full card number at another bank when they are also privy to all of my other information is worrying and I wouldnt be surprised if fraud occurred as a result of this process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After this I believe it's best I change banks. This has been the WORST experience. I disputed TWO transactions for XXXX XXXX Recovery for surgery that was never performed and services never rendered. Initially the merchant advised they didn't do refunds, following that the transaction was disputed and they came back and advised due to the circumstances they'd issue a refund. The dispute was filed XX/XX/2022 for {$770.00} another was filed for {$250.00}. I've written in regarding both claims and provided messages from the merchant regarding them saying they saw my dispute and won't contest it so a refund will be issued. I received a call from whats supposed to be a Resolution " Advocate '' for bank of america XXXX XXXX however she's been everything but that. She called me XX/XX/2022 at XXXX I returned her call TWO minutes later and no answer. She stated i needed to respond by XX/XX/2022 because she needed more info. I called her and left a vm every single week day since. NO response, following that I checked my alternate email XXXX and I came across an email from XXXX. This email isn't linked to my BOFA account nor is it attached to the claim its XXXX. I responded the day I saw this, and this is following all the voicemails ive left. One of the disputes which is the same merchant for the same reason was refunded why they both werent doesn't make since bc it was for the same reason and the same exact merchant. Its been past the 45 days that the merchant was given to respond according to BOFA dispute. Also to be considered is that the merchant already responded XX/XX/XXXX that they weren't contesting the disputes. So why we're at XX/XX/XXXX and we still haven't resolved this is beyond me. My mortgage is late this month and the money to resolve this being held by the very bank that's charging me late fees .... this is concerning and should be illegal. I can't get XXXX to return my call and I'm not only worried about my late payment but i'm worried this will effect my credit. This is NOT okay. This is predatory and we are not living in a climate where people have " extra '' money. I've been patient I've been vocal and i've been open to provide any and everything thats needed from me. This is unacceptable. If you check their XXXX page or good the Resolution " Advocates '' you will see this is common practice. Something bigger is going on and consumers are hurting. This is NOT OKAY.

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 2022-06-24
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I Received an email on XX/XX/22 from XXXX that i thought and I call the XXXX so they said that order for something of {$710.00} watch have not all and when I call the number they told me that owe me the money and they said that put in the my account. 
turn out they told to go and get some card of {$500.00} each of three and to keep the phone on while going in the store for buying the cards and after when i was out of the store to send photos both front and back of the card. 
Then told not check my bank account for 12 hours if I did my bank will lock me out of me. 
I also lost them on the Phone and an AL phone number it will be on the pages I will send you ok. 
When call back that see what happen ask them to return the money and to pay the overdraft fee of next {$700.00} and then told to get another two gift cards total of {$500.00} told me not go online 24 hours and i went call online banking 24 hours banking. 
When see what happen I change the pin number and it didn't help found an way to get the money in the long run after all I went to the cops to reporting it. 
I'm send the information ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I took over success of interest on the property listed above with Flagstar Bank ( headedquarters XXXX, Michigan, United States ). My husband XXXX XXXX ( loan number XXXX ) was over the loan and the home was in a foreclosure statues.The hardship was because of my husbands death and a reduction of income which I regain in XXXX I wanted to save the home so I was advised by flagstaff bank to do a loss mitigation application for the mortgage. On XXXX XXXX I was approve for the mitigation. I was placed on a 3 month trial plan starting XX/XX/2022 amount {$2000.00}. Flagstar advise me that after the trial period is successful finished, Id receive more information. I called flagstaff in XXXX to see what was my next step in the mitigation process, I was told the title company is writing out the new loan information and I will receive them shortly. I call about these documents every week ofXXXX, XXXX, XXXX, XXXX. I was told I never sent out the documents back and informed flagstaff that I never received them. One representative told me that he could see that the document never went out. I called flagstaff the end of XXXX and was informed that my mitigation application was denied and closed because I didnt get the documents back and the time had expired or that they went back to underwriting. I never received any correspondence saying it was closed I also asked for a tracking number and never received it. I was advised to send out another application in which I did XX/XX/2022. Flagstaff kept sending letter saying incomplete but when I called the representative found all the documents, my application was closed once again. XXXX XXXX I mailed out a full application. XXXX XXXX I was advised by flagstaff that my application was denied. Nothing has financial changed for me since I submitted the first application. Flagstaff closed my application due to their own excessive time delay. I was informed today XXXX XXXX that my trial payment was suppose to be {$1400.00}, but I paid {$200000.00} for the 3 months which made me in default of the trial arrangements period.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 am writing to exercise my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and hereby request to opt out of any and all authorization for inquiries on my credit report, except those that fall under permissible purposes as defined by the FCRA. 
According to the FCRA, permissible purposes include specific categories for which entities can access and use consumer credit information. However, I am revoking any consent that may have allowed you or any authorized entities to access my credit report for purposes other than those permissible under the FCRA. 

For the following inquiries : 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 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 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 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 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 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 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 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 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 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 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 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 explanation
Consumer complaint received 2022-11-27
Company: Frontline Asset Strategies, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was owned by a previous debt collection company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I was sent a letter claiming a debt of a different amount from the following company was owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with signature not only did they not respond within 30 days. But when I finally received communication they had sold my information WITHOUT my consent and were were not able to produce any valid documentation as well as stated this collection account is and never was in there system. This debt was then disputed. XXXX Report Number XXXX Date : XX/XX/22 My information was then sold to And purchased by Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Frontline Asset Strategies is in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. 

Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they were not able to provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation