BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: TN
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 an authorized user and have requested that Equifax remove XXXX acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: SANTANDER HOLDINGS USA, 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:
I have fraudulent inquiries on my XXXX  credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called Santander on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX  XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.

Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning My name is XXXX and i face a really weird situation regarding Chase Bank and I'm writing to you because I do really need help. 

I had 2 employers and at the mid of XX/XX/2022 i uploaded online in my bank account ( Chase Bank ) 4 paychecks : 3 from employer XXXX and 1 paycheck from employer XXXX XXXX. Next days my bank account was closed. 

I visited Chase Bank and they told me that happened because the paychecks need to be verified because it was a suspicious that may be a fraud. So it will take couple days. I was waiting till end on XXXX. After that, they told me that they verified the 3 paychecks from the first employer and it's ok, but they can't verify the 1 paycheck from the second employer cause they don't have a phone number. So, all the amount from the bank account ( including the 3 verified paychecks ) was, ,frozen '' and hold by Chase Bank XXXX 

I tried to provide a lot of phone numbers from my employer but Chase refused to use them because they are not in their database. 
Also, my employer contacted them, but Chase Bank told us that they don't accept the verification and only Chase can call the employer not viceversa. Even, if the paycheck contain the mail address of my employer, the verification can be done only by phone. 

My employer ( they work with XXXX XXXX ) filled an application to recall the funds. Chase bank refused to return the money to my employer. So, at this point, Chase hold all the money and don't want to give it to me, but also don't want to return to my employer. 
So it's been almost 3 months and we cant solve this issue. 
Please help me. If additional information may be needed, i can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am currently driving on bald tires and with the holiday, funds are tight so I applied for the Goodyear credit card through Citibank on XX/XX/22. I was notified of immediate approval and a pop up window provided me all the card details necessary to complete the purchase. 

I did not see any fine print regarding any risk of the screen timing out, so I left it up while going through the process of selecting and buying my tires. 

I learned Goodyear is more than double the cost of XXXX XXXX  so when I got to the payment screen on tirerack.com, I realized my card information was closed out and I had no access to complete the purchase. 

I have since called Citibank division associated with Goodyear, established online account and submitted request for assistance through each option to no avail. I can't even access my card details through their secure website. What company does not allow you to view your own card details? 

When I called for assistance, I was clear with the associate on not purchasing my tires through Goodyear itself and why. The response, by phone and email, was to go to a Goodyear store with my ID and complete the purchase, and that I should be able to do the same with XXXX XXXX 

I can't purchase the tires directly at XXXX XXXX  as I will lose the 6 months 0 % APR, ( another condition that makes no sense ) and XXXX XXXX also confirmed, during a phone call, they can not access my Goodyear account information without my giving it to them, that it is a known issue of Goodyear Citibank telling customers they can do this. 

I have to wait until I receive the card in the mail, XXXX business days, not including the holiday impact. This is XXXX XXXX and XXXX to customers is not acceptable. 

As much I want to immediately close the card, I hurt myself more by doing so. However, I want others to be aware of Goodyear and its poor customer service.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Yes I recently checked my credit report and noticed I had some unknown inquiries that I did not recognize! I will list them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Inquired on XX/XX/2020 I Tried To Get A Apartment From This Guys

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-09-30
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
On XX/XX/2020 I sent Equifax a letter informing them that they are reporting inaccurate information of a account that is not mine. ( XXXX XXXX XXXX  ). I asked them to plz validate the information with XXXX and to send me any documents that will prove that it is my account. ( Plz see Ex-A ). 

On or around XXXX of XXXX I sent a 2nd letter to Equifax to solved the problem that they are reporting fraudulent inaccurate information on my credit file. ( Plz see Ex-B & Ex- ( b ) ). 

On XX/XX/2020 I sent Equifax a 3rd attempt letter demanding them to delete the unknown accounts that they are reporting also to send me the method of verification they used for the despute. ( Pls see XXXX, XXXX ( c ) and XXXX- ( b ) ). 

Too date, Equifax is still reporting the above fraudulent/inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-12-20
Company: EQUIFAX, INC.
State: FL
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 have disputed the collection account XXXX XXXX XXXX several times and this is the second attempted complaint in reference to this collection company and XXXX credit Bureau. The original credit card company XXXX account was open XX/XX/XXXX, credit limit {$300.00} and was closed charged/written off XX/XX/XXXX. XXXX XXXX is reporting this closed account as open with a past due balance of {$750.00}. Incorrect reporting/inaccurate right? Again this has affected me adversely and as a consumer I'm held to a standard of practice why is the credit bureau and collection company are allow to disregard and or not be held accountable to the FCRA compliance. When notified of the error they reply with account verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recieved a phone call from XXXX saying that someone charged my XXXX card for {$1500.00} and it said to call XXXX. I called and an employee called XXXX answered the call. She told me that she need to transfer me to the Federal Trade Commission at XXXX. I called the number and a gentleman named XXXX XXXX answered the call. He started to ask me questions and said that my identity had been stolen. He started that over {$300.00}, XXXX has been wired overseas to several different banking accounts. I told him that I have not opened any accounts. He instructed me to close down my banking accounts and take the money out of them and then let him know when I have done that and that he could help me put the money back into a new account. I hung up at this point.

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 2023-03-17
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cr furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat cik payment on a credit card account under an open end consumer credit plan as late for Purpose

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 2022-12-19
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX Regions Bank decided to close both of my business accounts. I have been banking with Regions for almost 5 years. I received a letter shortly after the XXXX notifying me of the account closure, but it didn't specify a reason. It stated in the letter that I should receive a cashier 's check within XXXX days of the remaining funds from both accounts. It has now been well over a month since account closure. I have called and spoken with customer service on two occasions, and they said the check was mailed and that I should've received it any day. I was advised by a phone rep to visit the branch at XXXX XXXX XXXX XXXX TN and I've dealt with customer service rep XXXX and his XXXX XXXX and was told that I had to wait 30 days in order for them to cancel the previously issued check and reissue in person. When XX/XX/XXXX approach I called XXXX and he advised me to come up there and it should be ready, so I visited the branch on XX/XX/XXXX and was told they still weren't able to reissue my checks and that they will send escalate my case and I should here from someone Monday XXXX. I haven't received an update, and this is well over a month.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$290.00}

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 explanation
Consumer complaint received 2022-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I filed a fraud complaint with Bank of America on my business debit card. I had checked my account that day and realized there were many charges that were not made by me. I called the bank immediately. 

I was give a case # XXXX XXXX XXXX XXXX and told they would be doing a thorough investigation and be getting back to me. I was also told an immediate credit ( for not the full amount but some would be on my account ) and after the investigation was complete the total would be credited. I also requested my card canceled and a new one sent to me. 

Two and half weeks later I heard nothing and called bank of America on XXXX to get an update. I was told my fraud case was denied because I did not report in a timely manner and because the purchases were within my normal spending habits. 

I can affirm that I did not make these multiple XXXX charges that appear on my business debit card starting XX/XX/2022. 

I can affirm it is not in my normal purchasing behavior to spend $ XXXX {$850.00} at XXXX  day after day and sometimes multiple times in a day. 

I can affirm that any XXXX purchase I have ever made on my business debit card is from my XXXX account and goes to one address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX I can affirm these purchases were not made on my XXXX account and DID NOT go to any address I associate with or ever shipped items before. 

I can affirm I called B of A within minutes of seeing what was going on. 

I am asking thorough investigation to be done because Bank of America did not do one, at all! Their lack of regard for this situation is terrifying as the amount is {$8500.00} + charges that ARE NOT MINE! 

Bank of America is not willing to look into this and I have been tossed off to the side and told they arent going to do anything more. 

I will be filing a police report as well. Please help me with this situation. 

Here is the second claim # they gave me when I called on XXXX XXXX XXXX XXXX I also found they did not cancel my debit card as I requested and did not send me out a new card. I had to ask again on my call on XXXX. 

XXXX XXXX XXXX and 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 monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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