BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-15
Company: CITIBANK, N.A.
State: TX
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:
I was a victim of identity theft. During the course of this fraud, several bank accounts and credit card accounts were compromised. 

On XX/XX/2020, I received a fraud alert that someone was attempting to use an account number under my name with Citicards to make a foreign cash withdrawal in XXXX. I immediately ( within seconds of the fraud alert ) called Citicards and informed them of the fraud, and instructed them to reverse the charge. They assured me it would be reversed, and that a new card would be issued. 

On XX/XX/2020 I received the new card account and saw that a charge for {$500.00} was authorized and an associated {$25.00} fee was added to my account. A statement was issued and a demand for {$520.00} was made from Citicards to me. I once again contacted customer service, and was told within 3 business days this would be reversed : XXXX : Citi has gone ahead and taken care this for you!! 
XXXX : Be rest assured Citi is there for you and wont be satisfied until you are You : When will I see the {$500.00} charge removed and the {$25.00} transaction fee removed? 
XXXX : you can see once you receive the new card and there will be no transaction posted on the account!! you can surely save this chat as a proof and the account will be good to go. 

On XX/XX/2020, I checked the account and it was still showing a {$520.00} amount due. I contacted Citicards customer service and was told I needed to contact the fraud department. 

Both a fraud department representative from Citicards and a supervisor in the department told me that I would be required to pay the full amount and all associated fees. 

I believe this is potentially a violation of not only Citicards own terms and services, but of state and federal law. 

I asked them to issue a provisional credit immediately ( {$520.00} XXXX for the fraudulent charge, pending final review, and they said that it would not be possible and I needed to pay the full amount or have it go on my credit report as a late fee.

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 2019-04-06
Company: South Carolina State Housing Finance and Development Authority
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted about 3-4 disputes to XXXX and XXXX in regards to my account ( South Carolina State Housing ) reporting incorrect information on my credit, which has hurt my ability to get financing etc. XXXX removed the remarks from my account and is currently 65 points higher than XXXX. We set up automatic payments with state housing, but there employee failed to actually set it up in there system. The only way we found out that the account was showing late was because I checked my credit report. What was insane is that state housing never reached out to me to see if anything was going on, but it was too late once I realized it had damaged my credit severely ( dropped over 100 points! ) Once we saw that they werent taking out payments, like we scheduled, we made the payment on the past due amount. Since then the reporting has still been inaccurate after we have made payments and continues to damage my credit! I have been fighting against this injustice from this company for a year or longer and just recently paid them off in full because of the major hassle it is dealing with them ( my  account still shows late and we owe a balance ) SC State Housing and XXXX continue to report inaccurate information on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit 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 Apple Card account with XXXX bank has been restricted since the beginning of the month and spending remains blocked. I have made numerous attempts to contact customer service via chat or call center and have been given no explanation as to why or how long it will remain restricted. I have spoken to supervisors and the answer remains the same, the explanation is to wait without any timeline and no additional options are given to discuss this matter further and resolve. Its an actively used card and I have automated transactions bouncing because of it and its a very uncomfortable situation. I would like to request help in solving this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2019-11-02
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I reviewed my credit report and noticed that I had a charge-off with Navy Federal Credit Union . I sent them a letter on XX/XX/2022 asking them to validate this debt bearing my signature or a contract. I was then sent back bank statements with the creditor. On XX/XX/2022 I noticed that they did not mark my account as disputed within the 30 day time frame according to the law ( FCRA623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer reporting agency described in section 603 ( p ).

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ). This company has broken the law by not only providing me with a copy of contract but also not by providing notice to the credit bureaus that the account was disputed. By law the company now has to remove the negative information from my credit report. This is negatively impacting me from getting loans or a home because of this false reporting. I am asking that this company to remove this negative information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am now getting a " Final Notice '' letter from Midland Credit '' MCM stating that if I do not pay this amount they will turn account over to a collection attorney and I will have to pay the amount in full along with attorney costs. This is the only letter I have received so far and I do not agree with the amount they have listed on their bill. I have sent a letter to MCM but they are refusing to respond back because they would much rather see people sued so they can get more money in their back account. I am struggling to keep up on other payments and obligations as it is and they want to make threating attorney statements. I want this matter resolved and a conclusion made regarding this matter before I have to file for bankruptcy. this would not be my preferred choice but may be my only option at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America deliberately lowered my XXXX score because of their errors. I always pay on time. Someone from their department said because I am contesting the fraud and won't do it myself it going to hurt me which it did. They not only ignored my requests to fi the fraud, but they messed up my good credit. I even paid extra in advance so that I would have a negative balance! Certain individuals are corrupt in this company as they have done nothing all along and only made a bad situation worse. They are not responding to anything and just making more problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-15
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, my wife and I went to XXXX XXXX to purchase some furniture. As part of the store credit card, we were offered 12 month interest free financing. We purchased 3 items, all expected to be delivered on different dates. The charges were processed on the days they were shipped and in the process, only the first item shipped under the " promo '' of interest-free financing. After a few months of payments, we realized we were being charged interest and contacted Comenity, the bank responsible for the XXXX XXXX Credit Card. We filed a dispute for the finance charges and were told it would take 60-90 days to investigate the dispute. At that point, I paid the entire balance on the account off except for the disputed interest charges. While we waited for the dispute to be investigated, Comenity continued to charge interest and late fee payments on the amount in dispute. I called and asked why they are charging interest and fees on a disputed amount about 45 days after and they said that it was still be investigated and I would need to wait until it was resolved to get an answer. On XX/XX/XXXX, Comenity issued a finance charge credit for the disputed amount, essentially agreeing that there should have been no interest charges charged, however, additional charges of {$71.00} of late fees and interest has been charged on the disputed amount. I called today, XX/XX/XXXX and spoke to a supervisor named XXXX who told me that I would still be responsible to pay the remaining balance as it was charged after the dispute was put in place. However, if this account had been set up with no interest, the account balance would and should have been {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2018 I made a {$5000.00} payment to Citi to my XXXX Card ending. Two days later I received an email for my XXXX  and XXXX XXXX card stating my limits have been reduced ( see attached ). The XXXX card was reduced from {$6000.00} to {$790.00} and XXXX XXXX was reduced from {$5600.00} to {$5100.00}. The reasoning for this was " substantial debt to other creditors ''. Along with the {$5000.00} that was paid to Citi, I also paid {$1500.00} to XXXX Credit Card, {$1500.00} to XXXX XXXX and {$1300.00} to XXXX  XXXX XXXX Credit Card. Also, I had paid off a personal unsecured loan of {$3400.00} and a car loan of {$17000.00}. I recently applied for a home loan which I was pre-approved for. I explained this to Citi in my request for reconsideration and explained the potential costs I could incur from points on my mortgage because of their reduction of my limits. They reviewed and declined my reconsideration request. Also, as you can see in the statement their decision to reduce my XXXX  Card put me over-limit which is extremely damaging to my possibility of getting a home loan as the underwriters will view this as a negative.I have had and continue to have an exceptional payment history with Citi and all of my other creditors.

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 2016-11-19
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

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 2023-05-16
Company: EQUIFAX, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: CITIBANK, N.A.
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I withdrew my dispute case of Citi credit card on XX/XX/2020 just because I hit the wrong number. I should dispute {$12.00} instead of {$30.00}. But online status always shows {$30.00}, so I want to withdraw it and reopen the case.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a downward fluctuation in my Experian XXXX score which does not reflect my credit practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
So I am working with bridge crest financial to get my loan back up to speed, I have XXXX XXXX XXXX  XXXX and have a hard time talking.So on XX/XX/2020 XXXX i set up a payment agreement with XXXX a supv. at bridge crest and may sure I would not receive anymore calls till XXXX sure enough on at XXXX XXXX  on the same day, received a call harassing me.so i called back at XXXX XXXX   and talked to XXXX and she said she would look into it. so this morning sat XX/XX/2020 at XXXX XXXX  i get a call back saying that were sorry about call and that that would educate csr and manager. i am under doctors  orders to talk as little as possible, last year they compensated me XXXX for calling at XXXX XXXX  for my agreeing not to file complaint. now the wont or refuse to compensate me for harassing calls after admitted fault and violating laws regarding harassing calls. i have all recordings of calls since XXXX is a one party consent, and screen shot of call made to me.Attached is number of XXXX that was called at XXXX XXXX  that was in violation

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 2016-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i was victim of indentiy theft diputed to credit buareu Experian called also send letters always giving me hard time.

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 2023-05-16
Company: EQUIFAX, INC.
State: FL
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 were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4200.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Bureau XXXX XXXX and Equifax has my name and address wrong reporting. I tried to dispute with both companies and they saying its verified and correct but my ID clearly shows what it is. I also sent in my ID in but they still have not corrected the situation. I was a victim of IDENTITY theft and the names that is not right should be deleted asap!

Company response to consumer: Closed with non-monetary relief