BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: SC
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 mailed a letter to Equifax about a debt showing on my credit report. The debt is from XXXX XXXX XXXX, original creditor, XXXX XXXX, in the amount of {$88.00}. 

I provided a copy of their credit report, along with the receipt showing the debt was paid. Equifax failed to respond to my letter, and they failed to remove the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed an illegally reported account on the three major credit reporting agencies including XXXX, XXXX, and transunion. 

Under the name Columbia debt recovery or Genesis debt recovery original creditor XXXX XXXX The debt collector knowingly and fraudulently reports this account to the three major credit reporting agencies without notifying me five business days as required by law.

In addition the debt collector fraudulently reports its name inaccurately and or incomplete, as a result would make it difficult to dispute this illegal and fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Re Ally Bank. Matured Prior to XXXX {$52000.00} CD a/c No XXXX Phone calls were made to Ally in early XXXX my for funds to be received in a timely manner. 

Ally Bank have completely ignored my requests to send my funds. They created numerous ridiculous demands, such as, verification 's, needed to send my funds. 
Sent many repeated, ( 30 to 40 ) faxes over approx. 3 months. They used bully tactics in not sending my funds in timely manner, thus causing unnecessary and induced stress. 

Compensation request. 
Loss of interest caused by Ally time lag. Could have invested the funds in timely manner and received approx 3 % to $ 4 % on my funds. 

Many hours spent on the phone with Ally Bank. 
On hold -Cut off- more verification over and over with different bank employees. No help at all received. 
Wire transmission was agreed by Ally to be No Charge. 
Penalty charge to be returned to me for all of the inappropriate runaround that tAlly have forced upon me. 
They further forced me to create an online a/c when my money has been invested with them for years. More bully tactics, for time stalling wrongful illegitimate practices. 

Ally Bank ( this week ) wrongfully renewed my CD, after I provided Ally many, numerous instructions to wire my money, without further delay to me. Ally proceeded wrongfully against my instructions, by investing my funds for a further year, till XX/XX/XXXX. Bad, bad state of affairs., after 3 months approx. of asking for my money to be sent to me.. 
As of today I have not received my funds 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 monetary relief
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to obtain a copy of my credit report from Equifax. Apparently, the information they have does not correspond to me in any way. Security questions seem to imply that they are referring to someone else. As a result, I am unable to receive a copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: FISERV INC.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I noticed two small deposits on my bank account from XXXX XXXX. 

One was for {$0.00} and was for {$0.00}. 
I immediately on XX/XX/2022 ( and I mean within minutes ) called and reported this as fraud to my bank. They then froze my account and I Transferred all my money to a new account. 
I then called XXXX customer service on XX/XX/2022 to report this and left a voicemail with their loss prevention department. 

XX/XX/2022 I received 3 debt collections notices in the mail from TRS Recovery Services. 
XX/XX/2022 {$68.00} and {$110.00} ( these both include {$30.00} interest fees ) Dated XX/XX/2022 there was a charge for {$100.00} ( again with {$30.00} interest ) I filed a forgery report on their site, and then called customer service. I was told it takes 30 days to review and that they do not report to credit bureaus. I have looked online and it says they DO report to credit bureaus so I have been lied to by them. I see they have also faced major litigation in the past for breaking federal debt collection laws. 

XX/XX/2022 I emailed XXXX customer service to inform them of the fraud and security breach in their system. They said they would forward the info along. 

XX/XX/2022 I received 5 more debt collection requests in the mail. 
I called customer service at XXXX and was transferred to 7 different individuals, I finally was told someone had opened a credit account in my maiden name with my bank account number ( that account has been closed since the first deposits ) and those transactions all bounced but the fraudster was still able to receive goods. 

My account mind you had not showed any pending transactions at all, and all of them must have bounced hence the debt collection attempts. 
On this same day I have also emailed with multiple individuals, called back and spoke to 2 more people, and left a voicemail with loss prevention again. 
They told me that my card was " disabled '' but were not able to cancel it due to the fact I did not have the card number or the phone/email associated with the account. I do not know that information because I did not create the account and do not have the card in my possession since I am being impersonated. 

These notices from XX/XX/2022 are highlighting charges as follows, all of these totals include the {$30.00} interest fees : XX/XX/2022 {$78.00} XX/XX/2022 {$110.00} XX/XX/2022 {$64.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} I asked for a record of the transactions that are being claimed against me from XXXX and they told me that loss prevention might be able to provide it. They have not responded. 

I have filed a complaint with the XXXX  as of XX/XX/2022 as well.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: VA
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 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 2022-09-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Backstory : On XX/XX/XXXX I placed a credit alert ( not freeze ) on my credit due to 2 attempted credit card applications that were not authorized by myself. 

On XX/XX/XXXX, I had applied for credit through Mattress Firm via synchrony bank. I was denied and told I would receive a letter in 7-10 business days. Letter received stated unable to verify identify and credit application was denied. 

XX/XX/XXXX, went into Mattress Firm thinking I would just apply in store because then they could call my cell phone to verify identity to which they refused to do when I applied on XX/XX/XXXX. While attempting to submit application it too was denied. I was told by the rep for synchrony bank that it too was denied. I informed them up the credit alert to which he saw nothing and gave me a story of it was because it was too soon since my last application. He would not reopen the previous one saying it was already determined to be denied and closed. He too told me a letter would be sent in 7-10 days. The sales woman at Mattress Firm suggested I contact corporate via phone, so when I got home I did. Those reps transferred me around indicating nothing they could do. I spent about 4 hours total, about 6-7 reps and disconnected 3 times within that time. No one could help me or even tell me why they would not verify my identify.. One rep submitted another application to which was also swiftly denied. All they could do was apologize and suggest reapplying with a cosigner. I have an excellent XXXX  score ( over 825 ), not 1 missed payment in over 25 years of credit cards, and at the time only had 2 hard inquiries on my account. I have about 5 % utilization rate across my credit cards. To my understanding, credit can not be denied based on a fraud alert and it seems that is exactly what is being done right now.

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 2022-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX ( XXXX XXXX XXXXe I ) original creditor 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 2022-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 2022-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or around XX/XX/XXXX of 2022 I've noticed an account being reported on my credit report as a collection item Under the name : portfolio recovery and associates This account has been reported illegally to the three major credit reporting agencies including XXXX XXXX and XXXX. 


Portfolio recovery and associates debt collection agency original creditor XXXX  Bank has violated federal law by reporting this account without five business days notice as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a college student and I opened a bank account at chase bank. I tried to send money to a friend to get a book for me and it stopped the transaction and locked me out of my account and said that the account had been locked due to suspicious activities. I went to the bank to ask about it and they just told me they were sorry but they have to close my account and would send me the money through a check. They basically left me with no funds or a way to get funds in a new country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Bankruptcy Court XXXX Account # XXXX Reference # XXXX & reference # XXXX US Bankruptcy Court # XXXX has violated my rights. 

XXXX Collections, XX/XX/XXXX, acct # XXXX, 15U.S.C. 1681 section 602A States I have the right to privacy 15U.S.C. 1681 Section 604 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 2023-08-28
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a card with XXXX balance, it had been paid off for at least a year. Someone got the information for my card and used it to make fraudulent purchases totaling {$3000.00}, because I do not use this card often I did not notice the charges until I opened my XX/XX/XXXX statement. This has been reported as fraud since XX/XX/XXXX. Not only have they reported this to the credit reporting agencies as past due while knowing the charges were fraudulent and while still under investigation, as of today XX/XX/XXXX they are requesting payments toward the fraudulent balance. They refuse to stop late fees piling up on a balance they know to be fraud. Now when I call them they pass me back and forth between fraud department and customer service claiming nothing can be done ... and it's still under investigation but make minimum payments on the amount they know to be fraudulent. They even reissued a card, left it linked to the old account and the fraudster was still using it while it was being investigated. They have now issued a third card and have not resolved the issues involved with the fraud, while reporting a fraudulent balance to credit agencies, and trying to collect on a balance they know to be fraud. If you remember, my balance was at {$0.00} before the fraud started.

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 2023-08-15
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 non-monetary relief
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Wrong limit and balance reported to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
hello i have submitted multiple letters to Experian and XXXX regarding this collection account which is in violation for reporting inaccurately. and by law if the account is in dispute, they must provide notice of dispute in the comments section before a XXXX period after receiving my first dispute. Experian has received my XXXX dispute letter on XX/XX/XXXX and i will submit proof of tracking number to show proof of that. they have broken the law under the FCDPA and the FCRA as nowhere on my account does it say that consumer disputes this account or account is in dispute. please help me resolve this issue as i have tried multiple times to settle this with the companies and they continue to negligently non comply and will fully non comply. They are in violation pursuant 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ).

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 2022-12-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ive been a Citibank customer for over 2 years and keep a personal checking account and multiple business accounts with Citibank. I visit the XXXX XXXX XXXX branch on a weekly basis and everyone there knows me on a first name basis. Ive had millions in deposits and withdrawals over this time period. On XX/XX/2022. Citibank blocked and closed my Checking Account Number : XXXX and sent me the following letter : Dear XXXX XXXX, We periodically review customer accounts to assess the suitability of their banking relationship with Citibank. Pursuant to a recent review, it has been determined that we can no longer service your account ending XXXX. 

Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank, pursuant to the terms of the Citibank XXXX XXXX XXXX Accounts. Your account ( s ) are not restricted from any debits and certain credits ( including debit card purchases ) and will be closed within XXXX days from the date of this letter. 

There is a balance of XXXX in the account. 

I was originally told 15 days in branch and by the representative when I called the customer service hotline that day. Its now been more then 15 days since XX/XX/2022. I can not wait 60 days for the return of my funds and would like Citibank to immediately close my account down and issue me the cashiers check and formally file a complaint about this. 

Why is Citibank holding my money for 60 days?? The original timeline of 15 Days was annoying but acceptable. 60 Days is absolutely unacceptable and criminal. Im probably not the only person this is happening to and Citibank is probably making tens of millions of dollars holding the funds from blocked accounts set for closure for 60 days. 

I implore the OCC to please reach out to Citibank on my behalf and help resolve this issue to get Citibank to immediately close down my account and allow me to pick up my funds in a cashiers check in branch or have the check mailed to my address without any further delays. 

All the best, 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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 no knowledge of the mentioned inquiries, and I respectfully urge you to deal with this matter promptly. I have enclosed supporting documents for your reference. Kindly conduct an investigation into the matter and take suitable actions for its resolution.

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 2023-08-31
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$1500.00}.

Company response to consumer: Closed with non-monetary relief