BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-19
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX, {$250.00} was taken out of my direct express account, I didnt notice it until XXXX when I checked my account to pay a bill, I called direct express , put a claim in, and a lady called and said her name is XXXX XXXX and that she was the navigator on my complaint! After researching, XXXX called me and asked do I know anyone at XXXX XXXX. Here in XXXX Florida. And I told her that it shouldnt be no other address connected to my account, I asked her what was going on, she said she couldnt not tell me, I said you mean this is my account and you cant tell me whats wrong. After XXXX did some more research, she gave me a check number, and said in 5, to 7 days I will receive my money back. The check number, XXXX, after two weeks, I called back no one seems to know where my money is, I have talked to so many people, I was told to called coamerica bank, they are the owner of direct express debit card. I called and talked to XXXX, she told me that my local branch requested the money and put a code XXXX, which was untrue, I went to social security office, and they didnt request anything, I had an appointment. If anything social security would have said something then, called direct express back, it is so much to this that I cant put everything on here, XXXX XXXX and my granddaughter is helping me I dont know too much about this on line thing, please help me get my money back, XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
This is my 5th 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, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$50.00} XXXX XXXXXXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$20.00} 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 2023-05-12
Company: EQUIFAX, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received call from XXXX debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} American Express Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. american Express Account opened in XX/XX/2018 and closed in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-05-24
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It took citibank months to get my card to my house, I had to cancel 3 or 4 different cards with them cause they kept sending it who knows where. I repeatedly had to call and give my address which they continued to get wrong and refused to actually take any time to see why it wasn't getting to me. They kept blaming my post man. I finally fix that issue and just received my card this passed Friday, it is now Tuesday and I have received XXXX phone calls, about every XXXX hours, until I blocked the number. I am currently sick and it is painful to even have my eyes open, not to mention I simply don't have the money until Friday. If the employees were even relatively competent, I would have had the card long ago and had no problem making the payment on time. Now that they lost my card multiple times, the card is in an overdue status as I require the card number to open the online account. My bottom line being, they took forever to get my card here, there is absolutely no reason they should be harrasing like this to get a payment. They can wait a week for payment, not to mention no other company has ever harrased me like this for any reason.

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 2022-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/2022 I gave a birthday party to myself at the XXXX XXXX restaurant on XXXX XXXX XXXX, When I gave the owner XXXX XXXX MY Citi Card Master credit card for the payment of XXXX dollars, the card was " declined. '' So, I gave XXXX XXXX my XXXX XXXX XXXX XXXX, and that card was " authorized ''. When I received the XXXX XXXX XXXX card bill in XXXX I paid it. But, a few weeks later I received a bill from Citi Card for the same amount. I called Citi Card and disputed the charge, explaining their card was declined and that I had paid XXXX XXXXXXXX XXXX XXXX for the XXXX XXXX party. They asked for proof. I sent them a copy of the receipt that indicated the decline status. After many communications and copy of the XXXX XXXXXXXX bill between me and Citi Card they told me to get in touch with the merchant .I called XXXX XXXX on his cell number ( XXXX ) at the beginning of XXXX and left a detailed message of the problem but have not heard from him. I went on line of his restaurant to find that after many years in business on XXXX XXXX he was closed permanently.., I continue to get billing from Citi Card . I contacted the XXXX consumer protection Office and they told me it was a FDIC problem .The FDIC referred me to you. Please help/ Citi card charges me interest every billing period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: Total Card, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: The CMI Group, 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: Reporting company used your report improperly

Complaint:
Credit Management LP reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. It was reported to XXXX that the account was open on XX/XX/XXXX, last reported on XX/XX/XXXX, and date last active on XX/XX/XXXX. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TRANSUNION AND XXXX WITH XXXX WORK HARD TO KEEP THE GENERAL PUBLIC FROM FILLING COMPLAINTS AGAINST COMPANIES. THE THREE PROTECT COMPANIES AND MAKE IT AN INTENT TO DRIVE YOUR CREDIT DOWN TO RUN YOUR XXXX SCORE INTO THE GROUND. I HAVE TRIED WORKING THIS OUT WITH BOTH TRANSUNION AND XXXX TO NO AVAIL. THE GENERAL PUBLIC NEEDS SOMEONE TO PROTECT THEM LIKE THE BUSINESS HAVE WITH XXXX, XXXX, TRANSUNION AND XXXX. THESE FOUR COMPANIES SHOULD BE THERE TO PROTECT AGAINST FRAUD, ILLICIT INQUIRIES BOTH SOFT AND HARD INQUIRIES ON YOUR ACCOUNT.

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 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Credit Bureuas failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the account 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 2023-07-12
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My XXXX PAYMENTS HAVE BEEN DEPOSITED TO THIS CHIME ACCOUNT AND I DONT HAVE NO MONEY. ON THE ACCOUNT I CALLED THEM ON XXXX TO MAKE A CLAIM AND TO CLOSE MY ACCOUNT THEY NEVER CLOSED IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Citi Dividend Card stopped paying cash back at a {$300.00} limit which it never had before and I received no notice of such change. I called representative and got no acknowledgment of additional funds due to this account. I saw where XXXX XXXX XXXX did the same type of thing and possibly XXXX XXXX as well. Just thought that I would raise a red flag on this card as well. Thanks, 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 2023-05-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX / XXXX : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check drawn on my TD Bank checking account ( XXXX Vermont branch ) on XXXX XXXX, XXXX in the amount of {$25.00} to the XXXX XXXX XXXX. The check was altered to {$250.00} by an unknown third person and presented for payment eight months later in XXXX, XXXX. The forged check was honored by TD Bank on XXXX XXXX, XXXX, as reflected on my monthly statement of account. My wife, XXXX XXXX, a co-owner of the account, filled out an Affidavit of Forgery on XXXX XXXX, XXXX and provided it to TD Bank Customer Service Representative XXXX XXXX. XXXX XXXX indicated that the matter would be forwarded to TD Bank Global Security and Investigations-US. After I heard nothing for 30 days, I called TD Bank Global and spoke with call center supervisor XXXX XXXX. He indicated that the investigation will take 30-90 days, and he will monitor the situation weekly for me from his location in XXXX. I heard nothing, and called again on XXXX XXXX, XXXX, and spoke to XXXX at Ext. XXXX. She refused to give me her last name, but told me XXXX XXXX would call the following day. He did not call. On XXXX XXXX, XXXX, I called again, and spoke with XXXX XXXX. He indicated my case was # XXXX and was assigned to XXXX XXXX at XXXX, and that she would call me. I spoke with with XXXX XXXX. She repeated what I previously had been told several times. My check was altered and presented to XXXX XXXX, which honored it, and presented it to TD Bank, which also honored it with my funds, even though it was obviously altered and presented for payment 8 months after it was written. I told XXXX XXXX I understood TD Bank had a subrogation claim against XXXX XXXX, but I did not want to wait any longer to be reimbursed by my Bank while it pursued XXXX XXXX. She promised that {$250.00} would be credited to my account. This conversation occurred several weeks ago. A XXXX TB Bank teller told me yesterday that no credit had been posted to my account. The TD Bank voicemail advertises the it provides " Legendary Service. '' I have been a customer of TD Bank, and its predecessor, XXXX XXXX, for more than 40 years. I feel I have been treated with indifference and unprofessionally by my Bank. I want my account credited with the {$250.00} that was forged against my account and honored by my Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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 ACC 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA 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. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX  XXXX Balance Owed : {$9600.00}

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