BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
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:
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-10-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Im writing with regard to a Citi fraud investigation related to a series of fraudulent charges to my Citi Premier card occurring on XX/XX/XXXX. The charges were attributed to a merchant unknown to us ( XX/XX/XXXXXXXX XXXX in the amounts of {$880.00}, {$3400.00}, and {$6000.00}. 

When contacted by the Citi fraud department on XX/XX/XXXX through their early fraud warning system, I was asked whether our card was in our possession. I explained to the caller from Citi that we did have at least one card in our possession, but that this was our previous Citi Thank You Card, not the new upgraded Citi Premier cards wed recently requested. 

In fact, the new Citi Premier cards hadn't arrived through the mail in a timely fashion, leading us to now believe that they may have been intercepted and used for the fraudulent charges. 

I have filed a police report with the XXXX Police Department and can provide you with the report number if needed. 

Yet, according to a letter we received from Citi dated XX/XX/XXXX, Citi has closed the investigation of these charges and is holding us responsible, citing that we had the cards in our possession. I have called twice in the interim to again explain that the cards in our possession at the time of the fraudulent charges were our previous Citi Thank You cards and not the Premier cards that were yet to be received through XXXX mail. 

Note that Citi did determine that two charges taking place on XX/XX/XXXX were indeed fraudulent, and is not holding us accountable -- making it puzzling that they did not determine the fraudulent charges on XX/XX/XXXX as related. 

Pertinent to Citi 's investigation, we also received a bill from XXXX for a fraudulent charge which appeared related to one of the disputed charges ( we are not XXXX customers ). XXXX quickly investigated, verifying that the charge was indeed fraudulent, and has notified the credit bureaus on our behalf. We have provided this information to Citi. We have also provided the XXXX Police Department police report. 

Please let us know if you need any further information from us to assist in asking Citi to reopen the investigation and reconsider their decision. 

Thank you!

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 2023-04-03
Company: Experian Information Solutions Inc.
State: NC
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 have called XXXX XXXX to dispute this matter. Someone fictitiously opened this account in my old married name which I haven't gone by in over 5 years. This account was opened in XXXX of 2021 when i was already married and had a different name. Who ever opened this account also used a address that does not exist. The building has been tourn down for years. I filed a police report on the matter which is attached. This has put a negative marker on my credit and has damaged my credit score tremendously. I have worked hard over the years to get to where I am, and someone is ruining it.

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 2018-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Kohls store card and they made it seem like it was very easy without explaining much information. I applied after making a purchase and they said all I had to do was sign a form and for me to answer a few questions in the terminal, I was then approved and I went on to make purchases and didn't have much credit knowledge so I used my card for a few things and then I lost my job and had trouble paying it off because of me being unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Santander consumer USA keeps reporting inaccurate information on my credit reports knowing that its all wrong what they are reporting no closed no date of last activity date of first delinquency even a date of first major delinquency on the day they sold the account its been more than 8 complaints and disputes with The CFPB compliant numbers XXXX XXXX XXXX XXXX now that they were sued for this they still have not updated my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

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 2023-05-19
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
someone used my name to trade in another phone carrier, They try to to buy out the phone and XXXX was going to pay for it. something happen where XXXX didn't pay the phone and now trying to have me pay {$1500.00}. I refuse to pay this or pay anything. i was robbed in my name and now it went to my credit where it is bringing my score all the way down. I need this to be off my credit and out of my name. This really made me mad to the point that I should not be responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Incorrect information that has been disputed since  XXXX . False Act information concerning employment, insurance and other information. What it has affected and still affects several issues : Deformation of Character, False Claims entered, Employment and Financial stabilities. Wrongful Garnishment and a host of other issues. In  XXXX - XXXX , I asked   XXXX   XXXX   to assist with these issues, but they did nothing in my disputes because they work for  XXXX  and also have their own company which is  XXXX . I work for a company, who uses their services, and because of this reporting, I would have to take drastic actions like Wage Fraud and EEOC. Even Social Security has been tapered with.

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 2017-06-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My income based repayment plan increased my monthly payments by almost double, I could n't make the payments so i called Navient to see what my other options where. Talk to a rep, she let me know that consolidating my loans would be a good option. She let me know that during the review process I would n't need to make the high monthly payments. That they would send me a letter with the terms and that if i decided to go that route i can sign and return the paper work. Well i did receive the letter from Navient regarding the consolidation, I saw the price and had a XXXX XXXX XXXX. All the money i had already repaid would pretty much go down the drain, I did n't know what to do so i decided to let it go and stay with the high payments. I was waiting for the package that included the signature pages to turn down the consolidation, it never arrived. Logged in to pay my loan and it said it was already re-paid!!! <P/>Navient consolidated my loan without me signing off. The letter that had the terms had at the end that if they did n't hear back from me they would take it as me accepting the new terms. XXXX???!!!! This was in XXXX 2016! What if i was on vacation and did n't check e-mails, obviously i wo n't have access to my mail. I felt so taken advantage of. There was nothing anyone could do to help me. All the money i had already paid off was gone. I owed it all again plus more. <P/>I do n't think this process is fair! All i did was go to college to have a better life and it has become the biggest regret of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: HI
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 have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: HI
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 have disputed this Charge Off on this XXXX   XXXX for months.XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Reference is made to my last complaint against Amex :  XXXX .
I understand that a resolution was made ; however, that resolution was made on the premise that Amex was accurate and truthful. They were not. In its response, dated  XX/XX/XXXX , they advised that none of the payments referenced cleared the bank. That statement was untrue and they knew or should have known that it was untrue.
Further, they advised that I had not proven up that I did not demonstrate that the money was in the bank. Again, their statement was false and they knew that.
The referenced   XXXX  paymen ts cleared on  XX/XX/XXXX . I took a snapshot out of my  XXXX  payment to prove up that fact. Additionally, another {$400.00} cleared  XXXX  on  XX/XX/XXXX , and they should have known that.
I believe that the bureau 's decisions are final. I think that is predicated on the truthfulness of the response. Amex was not truthful. They specifically stated that they were not reinstating for the reason that the subject payments did n't clear ( they misinformed the bureau ). Similar with the fact that   XXXX    bank did not err.
I understand that the Bureau could rule in a fashion with which I might disagree ; however, Amex should not be allowed to make what appear to be, purposely, false statements and benefit from such untruths. Amex should be held to their own statements. In this case, it stated that the reason that they were not reinstating me was because the payments did n't clear, etc. Given the stated causal connection, and given that Amex misrepresented the facts, I think that they should be held to their own statements.
Amex did reference that they called for me on  XX/XX/XXXX . I do n't know whether or not that is a true statement ; however, I do know that I neither saw the call nor did I get a message. Perhaps they could have shown the interest to make, at least, a second call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am having an issue with a medical bill that was apparently sent out to a collection agency ( Simon Agency ). However, I had paid the bill directly at the physician 's office. The collection agency still has me as owing the bill, even though I paid it directly at the doctor 's office months ago. 

The amount of the bill is {$100.00} I paid it using a credit card on XX/XX/2018 when I was at my doctor 's office for a subsequent visit. 

I spoke with XXXX in the XXXX XXXX Billing department on XX/XX/XXXX, and was told that I do not have anything in collections, and my account is up to date. 

However, the collection agency that my bill was sent to says I still owe the {$100.00}, and to date, I have not been able to get this marked as paid on my credit report. 

I emailed Simon Agency on XX/XX/XXXX with proof that this was paid, and additional proof was emailed to them on XX/XX/XXXX. 

I received NO response from them whatsoever. 

I sent a follow-up email on XX/XX/XXXX, and again, received no response from them. 

I submitted a dispute via XXXX, and they closed the dispute saying that Simon Agency says I still owe the {$100.00} ( which I had paid directly at my doctor 's office ) and so this item is still appearing on my credit report as an unpaid item in collections. 

On XX/XX/XXXX, I then submitted an online from found on the Simon Agency website. I received an automated response : " Thank you for submitting the contact form on our website. Please allow up to two business days for a reply from a customer service representative. If you would like immediate assistance please call us at XXXX. '' Today, XX/XX/XXXX, a full week after submitting the form, I still hadn't heard back from Simon Agency, so I called them. I spoke to someone who identified herself as " XXXX '' and was told that I'd have to wait, these things take time, etc. She was supposed to transfer me to someone else to talk to, and I was dumped into " XXXX '' 's voicemail. I left a message and have had no response. 

I have no way to get this agency to understand that I paid the bill. They are reporting that I owe {$100.00}, when in fact, I owe XXXX, because the bill was paid. The only thing they seem to want is for me to pay them the full amount for the same bill that I had already paid, otherwise, they do not respond to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX and I made a report before ( refer to report number XXXX ). After I made that report, I received a phone call from Wells Fargo representative told me that their fraud department will handle this case and they will close my complaint from the CFPB. They gave me a phone number in order to check the status of my case and I checked the status of my case weekly. Once per week I called with different agents to check the progress and the answer is always its still in progress and I need to wait. Every week I call and I do understand that its take time because its international wire transfer. On XX/XX/XXXX I checked my mailbox and I got a letter from the claim assistance center ( dated on XX/XX/XXXX ) mentioned that my case is closed because the recepient banks refused to return my money. I was so shock and worried so I called the fraud department again and the agent who answered my call said not to worried because its still in progress and I could ignored the letter. I was so worried and he assured me that my complaint is still open and I could ignore the letter. Today, XX/XX/XXXX I called and they told me the last update was on the XXXX and they kept transfering me 4 times and finally the claim department told me that they sent me a letter to inform me that my case is closed as per XX/XX/XXXX! She told me that since I authorized the transfer that they couldnt help me to get my money back. But if you think, i lf i dont authorized the transfer, that means Im not scammed and there is no reason for me to make this fraud report, dont you think so? I admitted I made the mistakes because I got scammed and I reported to you to seek for your help. But when you told me there is nothing you can do because i authorized the transfer is not make sense, i am a victim ( a fraud victim ) since i authorized the transfer. She even told me that i should confirm the amount before I authorized the transfer. I think she needs to learn the meaning of being a victim fraud. I did check the amount, not only when i did the wire transfer but even when i did XXXX I checked the amount, but the problem is not that I didnt check the amount. The problem is i was scammed therefore I made those transaction. I am writing this report again because i am soooooo desperate, please help me, help me and let me know what should i do in order to get my money back. Please please please help me. I am willing to send all of the photos proof that I got scammed if you need it. Please kindly review my report and please kindly 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 explanation
Consumer complaint received 2023-04-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There was a supplemental tax bill that was overlooked when our house was purchased. In the year and a half since we bought this house the mortgage has transferred between three different companies. When it was first transferred to this current company last year, they made an inaccurate escrow analysis and tried to raise our mortgage by a ridiculous amount. After proving that it was calculated wrong the payment was lowered back down. 
Now that this supplemental tax bill that I thought was already taken care of by the first lender has been paid by the newest company they are again trying to raise the mortgage by {$800.00} a month. I called them on XX/XX/XXXX to point out that the supplemental tax bill is a ONE TIME charge whenever a house is sold. It is not a yearly charge and that it should not be included along with the county taxes in the new analysis. The representative did not seem to understand and informed me that he would request an escrow analysis since the numbers weren't adding up and that it should be done in 5 days or so. 
Two weeks go by and I have not heard anything back so I messaged them online. I was told in the chat that the escrow analysis was declined due to " no changes '' in our taxes. I was not informed about this decision in any way. The chat representative also did not seem to understand about the supplemental tax bill and that nothing will change unless I provide proof from my county of what the taxes for this year will be ( a document that the bank and I both already have ).

Company response to consumer: Closed with explanation