BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
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/2019 I have received a voicemail from Citibank that there is suspicious activity on my credit card. After checking the charges, I discovered there were numerous unauthorized charges starting with XX/XX/XXXX. I immediately called back Citibank to dispute the charges and to lock my card. I was assured to not to worry that there will be an investigation. On XX/XX/XXXX of XX/XX/2019I have received a phone call from Citibank that notified me that they will not dispute the charges and that I am responsible to pay for them. They do not want to dispute them because they charges were made using a chip. After this I decided to notify the police and have asked Citibank to provide me with a breakdown of which transactions were made using a chip and the time and place of each purchase, they had never fulfilled that request. When I went to file the police report I advised the police the reason I waited so long was because I wanted to provide them with a breakdown of everything to investigate but after numerous calls and pleads Citibank did not provide this information. Citibank kept on blaming it on anther department and after speaking to a supervisor they advised me that this information is unavailable to be shared with me. I have pleaded with Citibank again, but they keep on coming to the same conclusion. I had money stolen from my account at a Citibank location from their ATM and at that time somehow the issue was resolved, and the chip was duplicated. They do not want to acknowledge that at this instance it was possible. This was a separate matter and was resolved as I describe it in my letter to Citibank. Please help me resolve this dispute. I am a single mother, and this is a lot of money to me. I can provide a lot to my daughter with this money and instead of I need to pay it back with interest. I do not want to be harassed by collection agencies if I stop paying. Citibank threatened me I must pay them as stated in their response letter. I believe they do not respect me as their customer and did not perform their investigation to the best of their capability. Please help me. Attached is my recent correspondence with Citibank and the police 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 monetary relief
Consumer complaint received 2020-09-16
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found this negative account on my credit report that I had no recollection on. I found out that this account was opened under my name when I was a minor. I contacted US Bank to dispute this and have them remove the account from my credit report. They haven't looked into my dispute all they responded was they don't know what I'm disputing.

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 2023-09-21
Company: EQUIFAX, INC.
State: NJ
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I will cancel this card after it is finally paid off which is what I was doing and never open it again. I will also advise others to be very wary when thinking about opening an account. We had an account once before and didnt have one problem, even paid the balance off every month with no problem so we didnt give opening an account again a second thought. I was never told or sent emails to pay off part of it by a certain date to avoid an extremely large amount of money. My balance was going down and now it just went back up. Had I known, I would have paid it. 

When I tried to chat about it, I kept getting we apologize for the delay, the form must be filled out again, with no response. Finally got someone on the phone who basically told me oh well, our hands are tied and nothing can be done. Then tried to tell me I was receiving emails about promotions ending when they ARE NOT in my inbox. Its sad because they know there is no way to prove it and are preying off thousands of people in the same way. I was actually told if I contacted them sooner something could have been done. That was must definitely a lie as I tried to contact them several times through their text messages and got no where. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so this is just an amazing add on to our medical payments. 

This company is nothing but crooks and liars. Your customer service representatives are just as horrible and inconsiderate apparently told to lie to the customers and make us feel stupid and ashamed.

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 2021-02-05
Company: EQUIFAX, INC.
State: NY
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 in the process of purchasing a home and when the realtor looked at my report, I am a victim of Identity theft. I had a bunch of accounts I've never opened. Please Help me!! I have attached my Federal Trade Commisson report along with my identification. My real estate lawyer told me to go through here to ensure that I get the results I'm looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX enables identity theft and fraud by failing to take steps to verifies subscribers identity when installing services. XXXX prefers to report debt to credit bureaus, even after evidence is provided of the fraud and the process that XXXX lays out is followed. 

In XXXX of XXXX, I became aware of several fraudulent accounts on my credit reports after doing a credit check. I reported the fraud to the FTC, contacted each company that reported a debt and attempted to gather information on how each account was opened. One of the companies was XXXX. A debt of {$1000.00} was reported by XXXX XXXXXXXX XXXX XXXXXXXX, which is a collection agency for XXXX. After explaining the circumstance and following XXXX 's process of reporting, XXXX still refused to remove the derogatory form my credit file. I filed a dispute with the credit bureaus in XXXX of XXXX and after an investigation all the fraudulent accounts were removed including XXXX. 

In XXXX of XXXX, XXXX reported through XXXX XXXX XXXX the same debt and I again disputed with the credit bureaus and the derogatory information was deleted. In XXXX of XXXX XXXX again reported the same debt through Radius Global Solutions and I am disputing this again. 

XXXX should be held accountable for failing to prevent fraudulent accounts and continuing to harass consumers with fraudulent debt reporting. There should be a regulation that requires XXXX to validate the identity of its customers at the time of installation of services, this will prevent future instances of fraud.

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 2021-02-05
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file. 

XXXX XXXX XXXXk # XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: TX
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:
I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX  and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: DISCOVER BANK
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I get repeated calls from XXXX about lower rates for discovery card. 
They are obvious scammers asking how much money I have. I've told them to stop calling and that I am reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Closing for refinancing with Citimortgage was targeted for XX/XX/2020 for the amount of {>= $1,000,000}. Loan Office XXXX XXXX NMLS ID XXXX was in charge of the loan. 

I discussed with him and his supervisor that the loan amount was supposed to be for the original loan amount of XXXX and I was planning to pay for closing and not to add to the cost of the loan. Also wanted clarification on the numbers. 

I was advised this would happen over 2 days and since then the closing was delayed and there has been no resolution on the matter. 

I paid for appraisal and lawyer fees to Citi and am not able to resolve to problem even after every effort by phone and email.

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 2023-02-26
Company: EQUIFAX, INC.
State: VA
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. 
Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name 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 explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-16
Company: Experian Information Solutions Inc.
State: SC
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 list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2020 I sent Experian, XXXX, and XXXX dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed. 
They did in fact received my dispute information and I have proof of mail service that it was received from the bureau. You all believe them and now I will be filing a claim against you all. I have proof of service that my disputes were received.

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 2022-09-13
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Navient Solutions, LLC.
State: OH
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: Investigation took more than 30 days

Complaint:
i have a issue with the school charging me a fee fo a class i took and they got paid for it. I also dispute the company reporting this false debt to the 3 credit bureau, so i want to exercise my rights of the FCRA act. this debt or traNsaction can not be shared with these agencies due to the FCRA act rules. 

I want this debt removed from my credit bureaus and the debt charged off and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt this agency was initially trying to collect was already paid for by myself and the medical insurance company prior to going into debt collections. The debt was resolved with and paid directly to the Medical Practice. 

I have initiated several disputes to remove the collection from the credit reporting bureau. MG has marked the collection as paid when it is in fact not truly a collection or even one resolved by the collector. I continue to ask them to remove from the credit bureau to no avail. 

The latest dispute has been attached along with a reply which offers false information. A statement request has been submitted to my doctors office asking and can be provided upon this bureaus request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called them on Thursday the XXXX and was on the phone for 58 minutes, on hold, and then they hung up on me. They told me to go online repeatedly in the gold recording, but when I went online I was still not able to find my answer and found out that my payments were going to be higher with the SAVE plan they were pushing because it does not take into consideration the cost of living in my area

Company response to consumer: Closed with explanation