BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: CITIBANK, N.A.
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:
I disputed ~ {$10000.00} in unauthorized charges in XXXX of 2022 ( hacked through XXXX ). CitiBank cancelled the card I was using and sent a replacement ( per their standard process ). The dispute investigations were not thorough at all and I have been working with Citi to address this issue ( its obvious that the transactions didnt come from me but CitiBank is forcing me to prove these obvious things to them one at a time ). Its easier for the hackers to use my card than it is for me to use it. 

This week, when I looked at my online statement, my card has been hacked again by XXXX because CitiCard gave them the new card information, without my authorization. The hackers appear to be the only people that can use my card ; I sure cant. When I tried to close the account, I was told if I close it the disputes will also be closed. 

I have request through CitiBank and now through this agency : a report showing my undisputed balance and closure of my account. I will pay what I owe but dont plan to pay XXXX cent more. 

The treatment I am receiving from CitiBank is deplorable and completely unacceptable. I have been their customer for 25 years but will never do business with them again.

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 2023-10-06
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A violation of 18 USC 1028 identity theft has occurred. This company Transworld System XXXX # XXXX is in possession of my name and address. amount {$10000.00} on XXXX The company has no expressed written consent. I issues this company a Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit {$170.00} at a Bank of America ATM. The machine took my money but it didnt deposit the money in my account and the machine gave me a receipt that stated that it could not release my money from the machine. I contacted the bank immediately but nobody has returned my messages. I can not get customer service to help me.

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 2023-07-27
Company: Experian Information Solutions Inc.
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:
I disputed XXXX inaccurately listed bankruptcies on my report. I did not file a XXXX XXXX bankruptcy filing, XX/XX/XXXX. XXXX XXXXXXXX bankruptcy filing XX/XX/XXXX. This information has been disputed over 6 times and has crippled me financially. I need this removed as soon as possible. I have already contacted a lawyer about this matters.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
In accordance to the fair credit act XXXX XXXX XXXX # XXXXXXXX Capital One # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights.15 U.S.C 1681 Section 2 ( A ) States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) A person shall not furnish information relating to a consumer reporting agency if- ( I ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in fact inaccurate.

The information provided to the persons was enough reasonable cause to have knowledge that the information was in fact inaccurate.The judgment from the courts shows I was XXXX from XXXX to XXXXXXXX XXXX XXXX when I received 7 years of XXXX and released so there is no way I opened these accounts nor gave anyone permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
All three of the bureaus have had over 15 days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting 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 explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2021-11-23
Company: Credit Karma, LLC
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of 2021 I opened a Credit Karma spending and savings accounts ( with proceeds from a home sale ). Over the course of a month I deposited a total of XXXX into my savings account. On XXXX XXXX I withdrew XXXX ( earnest money for a new home ). When I tried to deposit additional money into Credit Karma on XXXX XXXX I was told my account was frozen. I emailed Credit Karma for assistance and was told my count was " under review ''. They requested a copy of my id and my bank statement. I sent my ID and expressed concern over sending my bank statement. Prior to doing so, I asked for an explanation as to why my acct was under review. I got no response. For the next XXXX weeks I called the only number I had for Credit Karma and was repeatedly told my account was under review ( no reason given ) and that the dept. that had the power to unlock it did not have a phone number and that I would have to wait for an email response. I got an email today ( XXXX XXXX ) stating my account is under a " risk review '' and it would be another XXXX business days for an update ( not resolution ). I need my money for a down payment on a house and having my money not accessible for a month seems unreasonable. The FDIC has agreed and suggested I reach out to CFPB. 

I have since read numerous complaints about the same thing on XXXX and social platforms. 

Credit Karma Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
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:
I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

EXPERIAN : 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 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 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 explanation
Consumer complaint received 2020-02-25
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I receive multiple robo calls every day about consolidating my student loan debt and also calls about real estate properties. Most of them come from XXXX, Arizona. This has been going on for over a year and is affecting my work life. My phone number is XXXX. 

Some of the numbers are : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, address and phone numbers listed on my credit report is not nor has ever been an address or phone which I resided or obtained and does not relate to me. It is the result of identity theft. I contacted all creditors. XXXX XXXX doesn't even have an account or record of me in their system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
On XX/XX/2022 I signed up for Remitly to transfer money to a person in the XXXX XXXX. I completed all the requirements and was granted access. 
I proceeded to submit one transaction and it went through OK. Then I proceeded to submit a second transaction to the same recipient, and was told that this looked like a duplicate, I clicked the option : Ok, go ahead, as I was aware and OK with the transaction. 
The app took longer and I got a message that the transaction was under review. 
An hour later it was declined so I proceeded to contact the Remitly customer service. 
They told me my account was locked as there was a violation to their terms. 
SO I asked what kind of violation was that, and they kept saying that due to security policy they could not tell me. I told them it was my right to know what was the violation I was being accused of, but they never responded. 
I asked to talk to a supervisor, and they told me all supervisors were busy and they will take hours or days to talk to me (!! ). 
I asked to open a review on my case, which they said they did and that within an hour I would receive an answer, of course, I never did. 
I called today, XX/XX/2022 and was told that they decided to keep my account suspended and no more information could be provided. 
I'm worried this company has my data, and that it is my right to be informed of why an action has been taken on my account. 
My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$450.00} XXXX  XXXX Balance : {$630.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Clear Recovery, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted several times by Clear Recovery. I have asked them four times to please send me information through the mail of all that they are saying that I owe them. I have been finding that some of my accounts are not correct ( they have either been paid or weren't even mine ). I was told to go online to find out. I have been refused each time for something to be sent in the mail to me with what I owe and why I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint/request with the Collection Bureau of FT Walton Beach for proof that debt is correct. And they did send me information, just not all the information. But what they did send has now led to file a complaint, not a request. I have several problems with this Collection agency and or the provider over this debt.

1. The collection agency has taken two separate medical bills allegedly performed a few months apart and has merged the debt into one. I believe this is done to circumvent the minimal amount needed in-order to place debt onto a credit report. One of the bills is for XXXX and the other for XXXX and they have it reported as one account in the amount of XXXX. 

2.as proof they sent me an electronic remittance advice that was sent to them from my insurer for the bill that has balance of XXXX. This provided clear and necessary information and was satisfactory. However, for the second bill, they sent me a heavily altered form called an Explanation of Payment Report. that's also from the Health Insure, but contains none of the information they provided for the XXXX Bill. and i question the authenticity of this document. which by the way, Includes other patients identifying information. The second form is apparently a list of what the insurer paid the provider unto XXXX However both invoices state payment for both XXXX  stays were paid on XX/XX/ but there is only one payment on my behalf from my insurer. their should be two.

3. On the invoice for service dated XX/XX/ it states XXXX XXXX XXXX paid on XXXX  but the altered form states it was paid on XX/XX/2019 by XXXX, not XXXX XXXX XXXX. In fact, I Only recently joined XXXX XXXX XXXX on XXXX So it's obvious the provider was digging around in a attempt to justify this collection. Providers can look to see who a patients insurer is. So i believe this invoice was just recently created in a attempt to deceive me. I hope they didn't actually Bill XXXX XXXX XXXX, because that would be Medicare fraud and I will be watching. 

I have included the forms, I have highlighted the areas that are questionable and left notes on them to make it easier to follow. 

now, for a blunt summary so there is no question as to why I'm filing this complaint being filed. I believe this second bill for XXXX is a result of Double Billing, unbundling or balance Billing for the difference of what Medicare paid and what the provider charged, all which are a big no-no. I ask that the collection agency and the provider perform a more diligent and good faith attempt and look into this, but this time with out doctored forms and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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. 

1, XXXX XXXX Acct # XXXX 2, XXXXXXXX XXXX Acct # XXXX XXXX, XXXX XXXXXXXX XXXX Acct # XXXX 4, XXXX XXXX  Acct # XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has 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