BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CitiBank , N.A . is creating false and fraudulent XXXX form ( XXXX ) against my saving account which was opened on/around XX/XX/XXXX and closed on/around XX/XX/XXXX. I have opened the saving account with the promise of " competitive '' interest rate, but turned out to be the lowest interest rate, during that period I was given {$4.00} as interest but was surprised that I was sent XXXX form for {$190.00}. I have called the number given on the formXXXX, on XX/XX/XXXX at XXXX MST and spoke to XXXX  and XXXX, XXXX looked up my account and agreed I only received {$4.00} in interest and he submitted a request to correct the 1099 form sent to reflect this amount and I should be getting the corrected form in XXXX business days. I didn't receive the correction as of today and called again on XX/XX/XXXX and this time the reps XXXX from XXXX call center and XXXX and XXXX from XXXX call center requested my account number or ATM number to access my account. I explained that I don't have it since once I closed my account, Citi cancelled my online access and I had to create new ID and pwd to be able to view my credit cards. Citi never sent me ATM Card nor statement in order for me to have the requested info, I gave the last 4 digits of my account and ATM that were sent in emails promo ( XXXX and XXXX respectively ) and also gave the ref above that was sent on the form as my unique identification but still they refused to look my account using my Social security as they did on XX/XX/XXXX. I never recieved any interest from Citi Bank in that amount and Citi has caused me to pay extra taxes due to wrong interest and pushing me to new Tax brackets. 
I think Citi is trying to avoid paying taxes by issuing these fraudulent forms to their customers and should be investigated. I have the records to prove the original deposit amount, interest paid and final check after closing the account and can be provided upon request.

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 2023-03-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Service Finance released funds to a vendor without my consent knowing I did not receive the product ( hurricane sliding doors ) They paid a vendor XXXX XXXX XXXX XXXX XXXXXXXX ) {$27000.00}. I still do not have the product but Service Finance has sent me to collections. I have made multiple attempts to seek resolution. Service Finance has now closed the account and called the debt a charge off. This issue has been ongoing since XX/XX/2022. I am being expected to pay off a debt of {$27000.00} for a product I did not receive. 
I believe Service Finance relies on the business of XXXX XXXX XXXX  XXXX and has ignored my requests for assistance in resolving this matter. I believe they knowingly paid XXXX XXXX XXXX  XXXX despite my active dispute and claim that I did not receive the doors. 
The only calls I have received from Service Finance were to remind me that I was expected to make a payment. As I have stated on multiple calls, I never received my doors from XXXX XXXX XXXX XXXXXXXX. Despite providing those details to Service Finance, the funds were paid to XXXX  without proof of product delivery in XX/XX/2022. This was after supposed delivery in XXXX of XXXX  and repeated calls to Service Finance instructing them not to release the funds. XXXX XXXX XXXX XXXX ignored my calls, demand letters from an attorney, emails. 
XXXX needs to refund Service Finance. I will not pay for doors I never received, Calls I receive from Service Finance are either answered or called back. I speak with every agent and share that I have a complaint under review at Service Finance. There are calls that I miss or can not answer however, it is egregiously false to suggest I do not reply or respond. I have call records to show that to be false. The emails I receive are from a " do not reply '' email. 
I have never received a call from XXXX XXXX XXXX  XXXX. XXXX stated that I refused to speak with the contractor and my complaint file was closed. That is false. XXXX has not contacted me. 
As attached in my original complaint, I filed a complaint with the Florida Professional Board.

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 2023-03-17
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PHOENIX FINANCIAL SERV flagged my credit report on XXXX on XX/XX/XXXX for {$1400.00}. I have had no prior interaction with them nor received any notice of having any debts. The account was disputed and a week later on XX/XX/XXXX was marked as accurate information on XXXX. XXXX opened another dispute for me for fraud against them again this same day. I have also contacted the company and they claim it is due to an ambulance bill from XXXX. They also could not provide an itemized bill or more details to me about this. I was told they do not have a bill and they would need to go request one. I was a minor for the first part of XXXX and have not taken an ambulance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report, which has highlighted several inaccuracies that I believe need to be addressed. After reviewing my report, I have found the following negative items which I believe are inaccurate and damaging to my credit score. 

Firstly, the bankruptcy listed under case number XXXX is an error. I am unsure of how you were able to verify this information when other bureaus have not, and have removed it from my credit report. I urge you to remove this inaccurate information immediately to prevent further damage to my credit score. 

Secondly, the XXXX inquiry listed on XX/XX/XXXX has reached the statute of limitation. I request that this inquiry be removed from my report as it is no longer relevant. 

Thirdly, the XXXX account listed under account number XXXX may have incorrect information. I request that you verify the payment status, balance, comments, payment history, and account number to ensure accuracy. If there are any errors, I request that you fix or delete this account from my report completely. 

Lastly, the XXXX XXXX account listed under account number XXXX is not associated with me. I have never had any business relationship with this company, and therefore this account can not belong to me. I request that this unknown account be deleted from my credit report right away. 

I understand that the accuracy of credit reports is essential, and I would appreciate your prompt attention to these matters. Thank you for your time and cooperation in this matter. 

Sincerely, 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 2023-03-17
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  is trying to collect on an amount that is not true and accurate. XXXX reference number XXXX states the amount owed it XXXX but the account was charged off at {$2600.00}. and XXXX XXXX XXXX they say amount due is XXXX but the account was charged off at {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Bread Financial Holdings, Inc.
State: ME
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:
I purchased something from XXXX. I sent a payment in XXXX of XXXX for {$100.00}. Then a payment of {$50.00} in XXXX of XXXX. The first payment was not counted. I contacted the credit card company and got the verification from the bank and sent it in. The money was still not credited. Sent a payment in XXXX of XXXX for another {$50.00}. The account still was not rectified. Finally ended up paying what I thought was the full bill with all the extra charges they applied of {$380.00} and change. Apparently by the time it got to them they left a balance of {$9.00} and change. Now they say it was not paid off in full. I paid what the balance was when I received the notice. Now they say I owe a balance of {$260.00} something. I once again asked about the {$100.00} they never credited me for. They insist it would still leave a balance of {$160.00} something. I am not giving them any more money. Now what can I do. I have the proof from the bank they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: CA
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:
Hello 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  account XXXX XXXX XXXX XXXXXXXX XXXX I have my XXXX XXXX  I paid them ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX account 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 stays 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. 15u.s.c 1681s-2 ( a ) ( 1 ) 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have attached a statement of a full description in regards to the fines you levied against Wells Fargo for illegally charging Bank customers for overdraft fees from XXXX XXXX XXXX Bank customers. But also showing in XXXX  that they are still doing the same thing by stating the same reason they did before you caught them apparently thinking they got away with it once and still made money, why not again. They are habitual abusers based on their history and charges you fine them for. 

Please see attached documents where we give the history and details, ( we tried to stay brief, knowing you have to read a XXXX  of these a day and must be XXXX XXXX by the end of the day so know we understand that and did not try to say anymore than we had to so you didn't have to read a novel but just the related facts. 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 2023-03-17
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:
Experian is reporting accounts I'm not aware of and don't own there's 2 collection accounts I ask for them to send me the original contract bonding me and the company together saying I owe debt and they have not produce proof so I want it removed immediately

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 2023-03-17
Company: Experian Information Solutions Inc.
State: PA
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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 

XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The removal of one of the inquiries was taken off from XXXX XXXX  co XXXX However, the other three were still left there. They are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
There was also a new one from XXXX which was not completed by myself on XX/XX/XXXX. 
Also, XXXX XXXX XXXX PA, XXXX XX/XX/XXXX, I have no knowledge of this. 
Also, Informative research I on XX/XX/XXXX. 
Experian Business Cred on XX/XX/XXXX, and XX/XX/XXXX. This is my personal credit account, and I did not allow business inquiries.

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 2023-03-18
Company: WELLS FARGO & COMPANY
State: MD
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:
The reason for the dispute previously submitted and why I know the information is incorrect reporting to my credit report. The FCRA firmly sates any Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. They are now in violation of this error and this must be removed immediately from 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 2023-03-18
Company: Experian Information Solutions 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up attempt to complain about me being a victim of Identity Theft. I want you to remove or block these items that are erroneously reported in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-18
Company: Experian Information Solutions Inc.
State: MO
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 XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX, Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX, Account Name : XXXX XXXX Account Name : 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 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 2023-03-18
Company: EQUIFAX, 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:
This is my follow-up attempt to complain about me being a victim of Identity Theft. I want you to remove or block these items that are erroneously reported in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation