BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2019, I received a bill from Macy 's informing me that I was past due 90 days. I called them and they told me that they had sent the bills to my address, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. I did not receive any of the bills they claimed to have sent me. I took care of the bill ( including late fees, which brought the bill to three times what I spent on the credit card ) during the same call and thought everything was okay. I checked my credit report and found that Macy 's and/or their servicer, Citibank, reported me to the credit bureaus. I called Macy 's back and asked again where they sent me the bills. They told me that they sent me the bills electronically to my email address as I had agreed to receive electronic bill. I never agreed to receive electronic bills to my email address. I checked my email account and I did not receive any bills from Macy 's. They also said they called me about the bill. When I asked them what phone number they called they said they called XXXX, which is a landline where I used to live in XXXX more than 9 years ago. By the way, I had provided them with my cellphone number, but they never called me on my cellphone number. So, Macy 's charged me late fees and reported me to the Credit Bureaus for bills I did not know I had. Prior to this issue with Macy 's, I was always on time with all of my bills. The only reason I wasn't on time with Macy 's bill is because I did not know of the bill.

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 2023-09-01
Company: Experian Information Solutions 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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX 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 2023-09-27
Company: EQUIFAX, INC.
State: SC
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:
As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-17
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 my XXXX XXXX XXXX policy premium is {$2500.00} I made two payments ( monthly ) in the amounts of {$300.00} and {$290.00}. First of all {$2500.00} divided by 12 is {$210.00} not {$300.00} or {$290.00} so I immediately switched auto insurance companies. XXXX then sent my account to collections for {$690.00}. When in reality XXXX charges a 10 % cancellation fee which would equal {$190.00} for my cancellation. I have no clue where they got {$690.00} from and I have tried for 2 years now to get this collection removed off my account but nothing and XXXX has failed to return any of my calls and disputes. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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 : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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 explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 am filing this formal dispute with the Consumer Financial Protection Bureau ( CFPB ) to address serious inaccuracies within my TransUnion credit report. The primary concern centers on an auto loan erroneously labeled as not paid in full, despite being satisfied for over 60 days. These inaccuracies have had a substantial impact on my financial standing, requiring a comprehensive resolution in compliance with the Fair Credit Reporting Act ( FCRA ). 

Issue at Hand : The core problem involves the misrepresentation of my auto loan payment history. While I consistently made timely payments in XXXX, XXXX, and XXXX, a pivotal discrepancy arose in XXXX, inaccurately marked as 30 days late. This directly contravenes several FCRA sections, including Section 1681e, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c, and 15 U.S.C. 1681o. 

I have presented compelling evidence confirming the auto loans satisfaction. This evidence includes a lien release statement from the lender, an explicit statement from the lender confirming the loans fulfillment, and the issuance of the vehicle title with the removal of the lien holders name.

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 2023-05-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Ive called TD Bank several times to close an account they allowed to be opened in my name. TD Bank allowed an account to opened online using my information. They refused to provide information as to how they allowed that to happen!! I informed them that I want the account closed! TD Bank then tells me I need to physically go into a TD Bank location to verify who I am! But its confusing because TD Bank allowed an account to be opened without verifying!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
THESE INQUIRY IS SATURATING ALL MY CREDIT I WANT THEM ALL TO BE DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-07
Company: EQUIFAX, INC.
State: AZ
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 on XXXX XXXX and under the Equifax report, I saw a XXXX XXXX XXXX  XXXX credit card open on my account that I do not have. I called the bank it was listed under and they verified my info and said there was no credit card open under my name and social security. So then I called Equifax and verified all my info and they said they could not provide assistance and I needed to send copies of my ID and Social Security card via mail to them to verify my identity. That immediately sounded fishy, I verified all my personal identifiers so not sure why they need this. I do not and will not EVER send a copy of my social security card in the mail. This is an improper use and abuse of customer private information. I want to this resolved since I do not have this credit card open and it is been reported under MY credit score but do not like the way Equifax is trying to handle it. The card is not showing open under my XXXX report only through Equifax so they need to amend this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from XXXX On XXXX XXXX 2017 for a XXXX XXXX with XXXX XXXX which i never applied for so someone is using my info to get credit cards under my name so concerned about my identity and personal info bieng used.

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 2021-12-03
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yesterday XX/XX/2021, XXXX XXXX, had sold me something she had for sale on XXXX and after she contacted me on XXXX. She had told me to zelle her the money in order for her to mail it to me through XXXX. She kept asking me for money saying XXXX kept asking her for money in order for them to send it to me. She said asked me for more money I order for them to start the process, but it was way to much money she was asking for, and so she never gave me the package or my money back, she said she was going to give me the tracking number but she never did. The total amount I had sent her was a total of {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This account is past the statute of limitations in Utah and should no longer be on credit. I do not owe this debt and it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CT
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 see that the accounts on my credit report were misleading when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ON OR ABOUT 3 MONTHS AGO, I SPOKE TO TRANSUNION, XXXX AND XXXX IN REGARDS TO REMOVING AN INACCURATE ACCOUNT ON MY CREDIT FILE. ALL 3 AGENCIES TOLD ME TO REACH OUT TO THE CREDITOR " XXXX XXXX '' WHICH I DID. XXXX RESPONDED TO MY DISPUTE LETTING ME KNOW THAT THE ACCOUNT DOES NOT BELONG TO THEM AND IT BELONGS TO ANOTHER COMPANY CALLED XXXX XXXX. I RELAYED THIS INFORMATION TO ALL 3 CREDIT AGENCIES AND THEY HAVE ALL RESPONDED BY TELLING ME THIS ACCOUNT IS VALID, VERIFIED OR UPDATED. THEY HAVE ALSO STATED THAT THE ACCOUNT IN DISPUTE IS " RESOLVED ''. MY QUESTION TO THE CREDIT AGENCIES IS : HOW CAN THIS MATTER BE RESOLVED IF THE ACCOUNT DOES NOT BELONG TO THE CREDITOR REPORTING IT? I WILL ATTACH A LETTER REQUESTING VALIDATION, PROOF OF OWNERSHIP, AND A LETTER FROM THE CREDITOR THAT IS REPORTING STATING THAT THE ACCOUNT DOES NOT BELONG TO THEM.

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 2019-06-06
Company: STERLING JEWELERS, INC.
State: GA
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:
hello, the following cc company XXXX XXXX XXXX XX/XX/2019 XXXX are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
A few years ago I made a purchase with my Bank of America card that offered 3 % back for online purchases. I checked the list of retailers and types of purchases that would or would not be covered prior to my purchase. The merchant I ordered from ( XXXX ) appeared to qualify. 

When I did not receive the 3 % back, I inquired with BOA and they confirmed there seemed to be no reason I would not receive the 3 % back. However, they further informed me there was nothing I could do to receive the promised credit. I asked if as a courtesy I could receive the credit. They said " no. '' I further asked in the future how I could determine if I would receive or not receive this credit. They told me besides looking at the list ( which did not work in my case ) there was nothing else I could do. I subsequently stopped using this card. 

I am aware BOA has been ordered to pay {$100.00} million to customers for illegal actions including " withholding reward bonuses explicitly promised to credit card customers. '' Regarding this purchase of {$200.00} on XX/XX/2019, BOA owes me {$6.00}. 

Note : This is almost 5 years ago and if I remembered the wrong purchase, I encourage BOA to look into my account and find the correct date and amount.

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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Account XXXX XXXX XXXX XXXX, Account # 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 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 2023-10-29
Company: Kikoff Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and I never had this credit card in the amount of XXXX with KickOff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The XXXX and XXXX credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}

Company response to consumer: Closed with explanation