BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a customer of Citibank of over 12 years. I have an excellent payment history, and aside from a few occasional instances where I have missed a monthly payment or paid late, I have been consistent in paying my balances off in full. 

My credit limit as of XX/XX/2020, when I made my last payment in the amount of {$9200.00}, was {$15000.00}. On XX/XX/2020, Citi unilaterally lowered my credit limit by {$15000.00} to {$300.00}. I did not receive any correspondence other than a letter placed in my online portal. Because I was not paying attention closely to this other than making payments, I did not catch that because of the change, my credit utilization went from 0.5 % to 35 %. As I continued to spend on my card without realizing the near 100 % drop on my credit limit, my credit utilization hit 100 %. When I missed my XXXX payment, my credit utilization went up to 109 %. 

I tried calling Citi to complain and have them address and received no help. First they told me it was due to a returned payment, but I have not had any returned payments and they could not furnish any proof. They only said it had happened in the past and they did not have access to it. They refused to reexamine my credit limit and refused to contact the credit agencies to clear up the issue that has now damaged my credit score. 

I was then told it was because of a LATE payment, but they refused to identify which payment was tied to the decrease. They would not give any explanation why they would decrease my limit by pretty much 100 %. 

I am done with Citi as a customer, but I need help making sure this will not permanently damage my credit score. I am concerned that since my Citicard is my oldest account, my credit score will be damaged because the average age of my accounts will go down. I also would like to apply for a different credit card, but because of my credit score,  I am locked out of some of the better cards available for at least the next 29 days. Citi has refused to help in any way, they passed me around from person to person with no help and finally just left me to write some obscure department if I want them to address this with credit agencies.

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 2020-06-10
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I sent {$10000.00} ( buyout quote amount ) on XX/XX/XXXX with my odometer statement via mail. I called XX/XX/XXXX to check in on the status of the check and title. The check was cashed out on XX/XX/XXXX. I have not received the the title yet but I need it mailed to me immediately because my car insurance and and car registration will expire XX/XX/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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/XXXXI sent out another letter regarding inaccurate accounts on my credit report. I have not received a response in regards to my request, which was way beyond 60 days, I started my initial dispute on XX/XX/XXXX which is almost 120 days inaccurate and unverified accounts that remain on and hurting my credit report. I still was not provided with any of the five ( 5 ) required exhibits to constitute validation. Without that how am I suppose to complete my own due diligence. 

This is a violation of : 15 U.S. Code 1692g ( a ) ( 1 ) 15 U.S. Code 1692g ( a ) ( 2 ) 15 U.S. Code 1692g ( a ) ( 3 ) 15 U.S. Code 1692g ( a ) ( 4 ) 15 U.S. Code 1692g ( a ) ( 5 ).

My rights have been violated! FCRA 15 U.S.C. 1681i ( a ), it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand not only these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress and damage this has caused me but I also demand monitory relief for these individual acts that violate my rights as a consumer. I have a right to privacy and their non compliance with authority and negligence of reason has caused me too much damage. My information was also impacted by the XXXX  data breach and may have got into the wrong hands.

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 2023-08-31
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to dispute the debt associated with a bill from XXXX reference number XXXX. 

This bill is related to two XXXX they claimed they did not receive back after I cancelled my contract with them, however, that is false. The XXXX were in fact returned and the enclosed receipts provide proof of this. I have filed many handset research forms with the company to rectify the issue and to have the bill removed. Every request has been denied and they have refused to provide me with an email or mailing address to provide my receipt to. 

Additionally, I have also been working directly with the store manager of the facility that I returned the XXXX to. He also recalls that I returned the XXXX and has the same receipt on file. However, he states that he does not have the access to remove a bill. Customer Care claims, the store manager is the only one with access to remove the bill. 

I have spent approximately 12 hours over the past 4-6 weeks disputing this directly with XXXX I spoke with the store manager on Sunday, XX/XX/2023, and he personally called the customer care team with me and ultimately, they both agreed this was not my issue but no resolution was provided. Rather, they told me that once I am sent to collections, I should dispute it. This seems completely inappropriate given they are both aware that the bill is not legitimate. 

Additionally, upon completing some preliminary research of my own, this is a common issue other XXXX  customers have experienced. I believe the company is fraudulently processing handset research forms in an attempt to coerce consumers into paying. I will not accept this financial harassment. 

At this time, I would like to request an immediate review of this issue and have the bill removed as it is completely unjust and the numerous XXXX  representatives have agreed despite taking no action. I have also taken action with the debt collections agency. 

*Please note these images submitted below were taken of the XXXX  managers XXXX. Proving not only did I return the XXXX they also have documentation that I have returned them. Yet, they are falsely charging me for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: BARCLAYS BANK DELAWARE
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a {$4.00} interest charge that was posted on my statement that closed on XX/XX/2023. I called and was told that this was a result of a 3 day late payment for the XXXX statement. The XXXX statement balance was {$11.00}. My XXXX statement showed that the interest was calculated on a balance of {$270.00} at a rate of 21.49 %. The explanation was that the balance was calculated based on purchases made on the XXXX statement. It seems unreasonable to be charged interest on payments that are not yet due. This practice, if legal, should be discontinued. No reasonable person would think that it is ok to charge interest on payments that are not yet due.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payment XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late payment XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX .Inconsistent open dates Throughout credit reports Not consistent among the three. 

XXXX. Inconsistent payment date Throughout credit reports Not consistent among the three. 

XXXX. Inquiries done by XXXX XXXXXXXX XXXX XXXX which I do not recognize.

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 2023-08-30
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I keep getting calls from wells fargo starting I am did not make my last payment and indeed I did and they are claiming that I can not get my title unless I pay about {$400.00} by today and they call me every week. However, I already own the title so I do not understand why I am being harassed regarding this.

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 2023-08-22
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
So today I received a notification that a XXXX XXXX credit account, allegedly mine was closed. I then used due diligence and fully investigated my credit report, and noticed an immense number of things on my credit report that didn't belong to me. First and foremost, I was just incarcerated for attempted murder and a number of other offenses, from XX/XX/XXXX to XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With that being said, the XXXX  XXXX account which I previously mentioned was opened in XX/XX/XXXX which indicates that I couldn't have opened this account being as though I was in prison. Furthermore, XXXX, XXXX, and Transunion has engaged in the act of fraud, violating 15 USC Section 1651e et seq, as they have reported fraudulent information concerning me which I did not consent to, approve of, etc. Wherefore, I am asking that the credit bureaus and/or reporting agencies remove the following accounts from my credit report, as well as, any inquiries ( hard or soft ) that are related to these accounts. The accounts are as follows : ( XXXX ) XXXX  XXXX opened on XXXX XXXX, XXXX ( XXXX ) XXXX  XXXX XXXX  opened on XX/XX/XXXX ( XXXX ) XXXX XXXX opened XXXX XXXX, XXXX ( XXXX ) XXXX opened XX/XX/XXXX Please, delete these items from my credit report, as I was locked up while all of these accounts were opened.

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i disputed these accounts with the creditor and the representative told me to stop disputing because it was reporting correctly and the information on my credit report is still reporting inaccurate information which is a violation of the FCRA also i have provide a copy of my account thats reporting inaccurately. i alos ask the company to provide the following Agreement with my information that was grant collection agency name the authority to collect this alleged debt.

Signed agreement debtor has made with debt collector, other verifiable proof debtor has a contractual obligation to pay debt collector Any agreement that bears the signature of debtor, wherein agreed to pay creditor. 

All statement while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgment been obtained by any creditor regarding this account? 


Easternaccos ( WOW ) ACCT # XXXX XXXX inaccurate information Easternaccos ( WOW ) ACCT # XXXX-inaccurate information

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
In XXXX, I had a grant overpayment assigned to XXXX XXXX XXXX. The XXXX XXXX XXXX began reporting the item to Experian in XXXX. The consumer reporting laws state that a negative item can only be reported for seven years. In XX/XX/XXXX, I paid the debt in full and my credit report reflects that. However, the month and year that the item went into collections is incorrect. This is long past the amount of time the item can legally be reported. Despite my disputing the item for correction at least a couple dozen times, Experian continues to report this. I have provided more evidence than needed of this. Experian continues to report that this item entered into collections on the same day that I paid it off, instead of the actual collections date of XXXX XXXX which has restarted the seven year time clock on an item that's actually ten years old now. XXXX and XXXX were reporting this same item correctly and as a result, the item fell off without my involvement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 2023-08-22
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: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 5th '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: IL
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:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX , Georgia XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation