BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: CITIBANK, N.A.
State: PR
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 wrote to Cfpb around 2 months ago, in reference to a debt that the credit bureau has in records, and is decreasing my score. The company is Sears, they have never tried to contact me, I wish they would have done it. I have notified the credit bureaus but seems that is not important what I say. 
Even I cant get in to 2 of them, seems to be blocked, since I was one of the affected in 2017, with all the data that disappeared from XXXX  Meanwhile my score is decreasing more every time and is really affecting me seriously, since I have a small business, that besides, is being affected by the pandemic, is also seriously affected by this issue. 

I CERTIFY that I do not have an account with Sears. 
I am entitled to see the source of the information, which is the original contract that contains my signature since it was opened. 
I called the company involved once and they told me that they did not find me, they didn't know what I was talking about. 

Can you please suggest me what to do?

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-01
Company: BMW Financial Services NA, LLC
State: OH
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My report 's list of inquiries and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX 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 2019-04-27
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX my American Express credit card statement reflected a credit in the amount of {$380.00}. American Express listed the amount as a credit and then attempted to charge the amount for the amount credited. The amount was for a Travel Reservation that was cancelled. I contacted American Express customer services to inform them that the reservation was cancelled. American Express claimed to have investigated but did not. Responded back to me that they were rebilling me for the original credit that they previously issued and that the debt will appear on my upcoming statement. I rebutted the findings following the FTC " Fair Credit Billing Procedures. I responded to American Express via USPA Certified w/return receipt and again on XX/XX/XXXX. American Express did not respond. On XX/XX/XXXX I received a email from American Express informing me that I have a past due amount. New charges may also be declined. Per the Fair Credit Billing the period to resolve the dispute ( two billing cycles, but not more than 90 days has long past. American Express threaten to report to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After prior TERRIBLE experiences with Citi *banking* ( not credit cards ) in the past, I attempted to give them one more try to see if they had improved their platform/customer service, and opened a Checking account with them. 

XXXX. On XX/XX/2023 I attempted to open a checking/savings account with Citi. Due to an error from their website, two accounts were opened. I immediately contacted Citi to let them know I only wanted one account, and to close the other account. 
XXXX. On XX/XX/2023 I transferred {$10000.00} USD from my XXXX XXXX account to my new Citi account, using the Citi money transfer feature. 
XXXX. On XX/XX/2023 I noticed I could no longer login to my account, and had received an ambiguous email from Citi stating " Your Citi account ( s ) will be closed '' 4. I immediately contacted Citi to find out what is going on. They refuse/are incapable of telling me ANYTHING regarding this matter, and had the nerve to suggest I " used a VPN '' to circumvent some kind of access controls on their side. THey were unable to substantiate or clarify this accusation, and are only able to brush me off and say " you will receive a letter in a FEW WEEKS explaining this decision '' 5. Citi is REFUSING to return my {$10000.00} - suggesting it will be done when it's convenient for them ( >30 days? ) ; _THEIR TEAM_ suggested I submit a DISPUTE with XXXX XXXX about the money that Citi is refusing to return. 
XXXX. I have submitted a dispute with XXXX XXXX, and they are saying due to the time frame that had passed, they can not reverse the ACH and it will now have to go through their full dispute resolution process which is >= 45 days. 

It is absolutely absurd and unconscionable that Citi has chosen to take, hold, and refuse to return my {$10000.00} transfer without any explanation. AFter multiple calls to Citi, I am unable to get ANY information and am constantly told just to " wait for the letter in the mail '', leaving me in the dark with where/what is happening to MY funds and when they will be returned to me. 

Citi has making/is making NO attempt to explain what the issue is with my account or why it was closed. This is absurd. 
Banks should have some responsibility to consumers to tell them what is going on with their account, and clear explanation of the accusations surrounding accounts being closed/locked/made inaccessible.

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 2021-07-01
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: DISCOVER BANK
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 status incorrect

Complaint:
In accordance with the fair credit Reporting act Discover Bank 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
PayPal accounts breached in a credidential stuffing attack on XX/XX/2023. 

Receiving repeated fraudulent emails to my PayPal account email from XXXX. 

Because email was from PayPal.com, and because I had no notice from PayPal of the breach, I called the phone number provided in the email. I hung up after they answered the call stating " excuse the call '' but now getting fraud emails and phone texts daily from the hackers of PayPal.

Called to report and over thirty minutes with Synchrony Bank representative plus two different PayPal representatives. They minimized the problem and stated they were aware of the problem, but not to worry, yet I continue to get notices from XXXX XXXX XXXX XXXX of requests for payment from my account for purchases that I have not made. 

Requesting all protections to my credit and identity theft protections provided under the laws of the United States and all applicable states due to the breach of security at PayPal ASAP!

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 2022-04-05
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 following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Based on what I heard from Citi Cards " 2 customer services representatives '' and 2 supervisors, the company closed my account on XX/XX/XXXX due to a balance of approximately {$0.00} without any notifications by email, by regular mail, or by phone. ( between {$0.00} and {$1.00} - all information including my past transactions had already vanished when I logged in to my Citi thankyou Preferred Card account XXXX XXXX XXXX XXXX ). 

I spoke with the 1st supervisor on XXXX and he told me the account cancellation notification already sent to me in the year of XXXX. The supervisor from Citi Cards customer services claimed " the past notifications '' will send to my address after I requested to view the notification of my credit account cancellation. However, I received nothing after 1 month, so I contacted Citi Card customer services on XXXX and spoke with another supervisor again to request to mail the notification to me. What I received is " Account Update Notice '' -- - " Thank you for contacting our Customer Service Team. This account was closed effective XX/XX/XXXX ... '' ( Please see attachment of Citi Card Account Update Notice ). I don't know both supervisors try to fool me around or play games with me just for wasting my time. 

I also include attachments for the information of " twice '' confirmations of account cancellation and the list of past emails from Citi Cards for the card account mentioned above. There is no credit card account cancellation notification email at all. I deeply feel my credit account was cancelled due to result of discrimination. My guess was reasonable due to the result of not receiving the cancellation notification and nobody was able to tell me the reason for the cancellation.

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 2019-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Attempted to make a $ XXXXXXXX purchase with a newly received credit card from Capital One. While at XXXX XXXX the credit card was declined. While calling capital one it was told to me it was a fraud prevention block because of the dollar amount. I contacted and verified the amount. The representative with Capital one had XXXX XXXX try it 4x and still no luck. I called again after work and waited on hold for 12 minutes before being hung up on. It was then explained they placed the card into another fraud tier that required a new card be sent out. No correspondence at all to me. When calling and talking to supervisor XXXX employee no. XXXX he had horrible customer service and could not explain the fraud or why I was getting another card. I applied for this card for the points and every purchase that gets me closer to my points is declined. They are unable to fix my points or rectify the horrible customer service. I would have went with the XXXX card had I known.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The issue is between my business account XXXX XXXX XXXX and Wells Fargo Bank. This is the second time this incident happened, with the first time affecting my personal checking account. After doing research I found out that both accounts were and currently being charged for overdraft fees without being notified. Both accounts are set up for notifications of when the account drops below {$0.00}. These notifications comes 24 hours after the fees are taken. This is a system issue and I had to escalate last month for the same issue, that resulted in a {$170.00} refund. I have emails and a pattern to show that the actual charge that is overdraft never post on the account, but only the overdraft 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 2021-10-18
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I purchased a vehicle from XXXX. XXXX collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. XXXX used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''

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 2023-06-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 previously disputed XXXX XXXX a collection account on all three credit bureaus the debt got sold to another company and the same dispute for all three credit bureaus and only XXXX removed it from my credit report and not TransUnion or XXXX and they said it's fair credit reporting act if this is the case then why did only XXXX remove it and not TransUnion or 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 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major 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 2021-07-01
Company: Experian Information Solutions 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 recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

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 2023-11-07
Company: EQUIFAX, INC.
State: FL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation