BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently sent for a copy of my credit report and found an erroneous charge on my credit report. It claims that I owe XXXX XXXX  ; amount - {$390.00} ; of XXXX unpaid ; Date of XXXX Delinquency XX/XX/2022 ; Individual account # - XXXX ; Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX. 

The collection company 's name is XXXX XXXX XXXX XXXX I called the XXXX number and they gave me this number XXXX, and they hung up on me. 

I also called XXXX and they verified that this account does not belong to me but because they couldn't figure out who it belonged to, they wouldn't file a fraud alert, so I have to go into their website and file a fraud alert myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo is trying to cause problems with accurate transfer frim my savings to checking account. The reason b eing they would not give my  XXXX   year old a seperate acct possibly be a teen account to have her direct deposit checks. I am ok with that but if I transfer money her account to mines Wells Fargo will not pu t the money in my account or they will take money out. The purpose is to confuse our account so I will pay overdraft fees. In my checking alone dealing with debiting my account to pay bill they are using her account last  XXXX  and my account last  XXXX  to confuse the  XXXX . Also my daughter they place overdraft protectuon on my our account without my permission. Giving her a debit card . Wells far go caused my waterbill to not be paid in a timely fashiion. I am  XXXX  and on a fix income which they know for years. Every Adult know this is a serious problem they are being malicious I hope your office take this with respect and stop this matter ASAP. This is another scam to recamp their lost. Since  XXXX   XXXX , 2017-current they have change several of my date of transaction . Wells fargo will not let us see our full account including the cash amount so we will not see our tr anaction nor will they allow us to dispute transaction on line and will not let us see the full site to get our account summary.

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 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I disputed a {$1700.00} charge for a damaged dress with a hole in it sold to me by XXXX XXXX. I received an email after 2 weeks from Capital One stating that they hadnt received the documents to investigate the charge and would be charging it back. I explained that it was taking me a while to label the exhibits and would be sending over the proof of the damaged dress as well as the appraisals of the dress that were for {$800.00} and {$900.00} respectively. I sent in the documents about 4 days later and Capital One informed me that theyd received the documents and were investigating. That was XX/XX/2021. 
Fast forward to yesterday when I received a direct deposit for about {$3500.00}. I paid 3 credit card bills and instead of my 3 credit card bills being paid, Capital One paid 2 of them and reversed the {$1700.00} credit given for the XXXX XXXX purchase with no good reason. Capital One was clearly waiting on the opportune time to reverse the credit instead of genuinely investigating the purchase by the merchant, XXXX XXXX. Now my credit card payment is going to bounce back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Diversified Adjustments is a collection company that is steady harrowing me about a fraudulent account opened using my stolen identity the account was openedXX/XX/2023 in the amount of {$810.00} this is not my account I did not apply for any service or sign any contract with said company but they continue to send alerts to my the credit Bureaus impacting my credit score negatively and illegally on top of harrowing me calling me after I contacted them and reported the fraud..I also have police report as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
An overdraft fee of {$36.00} charge though the balance showed was in positive. Also bank is charging $  XXXX  monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried several times to have Equifax and XXXX   correct and erase wrong debt and information corrected on my credit report and each time they have not. XXXX XXXX XXXX  has tried to pass of old debt as new. They bought a debt thats past 7 years old by XXXX and is no longer on my credit report and made it new. Same with a car loan that was a charge off they reported it as a new account in XX/XX/2019 which is false and they have submitted the wrong amount owed. The car was in an accident and the company cot insurance money towards the loan and also the car was released to them and they sold it and did not disclose that amount and remove that amount from debt. XXXX XXXX is going against my fair credit rights in reporting the accurate dates and amounts. Again XXXX is no longer on my credit report due to how old it is I have sent several complaints to XXXX  and Equifax they have done nothing to protect my rights and fix the inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am submitting this compliant on my own. There is no third party involved with this complaint. I have sent numerous letters to XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened an auto loan under my SSN. They also This item in my credit file are from unauthorized use of my social security number and card. I did not authorize this accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. I'm asking XXXX, and XXXX to Please have this information removed from my consumer report under 15 U.S.C. 1681c-2.

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 2023-10-08
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for this CITI Card in 2008 and on the contractual document amended the language to show that after the initial 0 % for 12 months the 9.99 % interest rate would vary only with prime rate. This line was truck form the contract before sending in. By creating the account citi agreed to these terms. And for 10 years they maintained that. However, just recently they raised the interest rate to 25 % and didn't inform me. 

They used every sneaky trick in the book to get me to accept points, or 0 % but never did to maintain that 9.99 % interest rate. But it appears this company has gotten sneakier and less professional over the years. 

It's no wonder Americas Financial Future is in Jeopardy when you have thieves like CitiBank. 

I am a 16 year customer and have held this card since then. So disappointed in this company.

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: ACIMA CREDIT, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed the account with XXXX and came back as " verified ''. 

Creditor is reporting a past due balance from what I read a charged off accounts are not legally allowed to have a past due balance this is violating my consumer rights. Please remove this account from my credit report immediately. This is FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  ENHANCED RECOVERY  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: United Resource Systems, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No support was provided. If I have a doctor bill then I want to see it, since I have not lived there since  2008. T his in reference to my original complaint  XXXX .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The Mr. Cooper company has not been responsive during the pandemic regarding the financial impact to my family and my HELOC. I have been calling for a year since XX/XX/XXXX- practically every month after submitting a hardship affidavit without any resolution or clarification of options available to me. I have been repeatedly told that the customer service representative will call me back within a week after looking into the situation but I never receive a phone call. Each month I have to call again and am told the same thing the hardship affidavit request does not have a resolution. Today I was told that the request appears to be in a hold mode since XXXX XXXX when I submitted my second request. During this time they are reporting me as late to the credit agencies but each month telling me that there has not been a resolution and that the representative needs to investigate or escalate to a supervisor but I never hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted trans union concerned about a inquiry on  XXXX / XXXX /  XXXX  , I was told to contact creditor. I contacted creditor who after a  1hr  call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry

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 2017-05-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was only able to make a partial payment told them they said okay. They still call m e 5 p lus times a day. I have told them when I can make a payment. Less than a month away. They refuse to stop calling they ask me to borrow the money pawn something.

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 2017-05-17
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  HUNTER WARFIELD  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Meade Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Meade Recovery Services LLC have been harassing me about a debt. I recently spoke to their representative and asked them not to keep calling me but instead, send me a written notice in the mail about the debt so I can properly respond but they did not. I was told by the representative that they will file a legal action if I don't pay the debt. 

On XX/XX/2021, I received two phone calls from them. They called my cell phone at approximately XXXX XXXX. I answered the call and nobody answered the line. A few minutes later, they called me on my home line. When I answered the line, nobody spoke so I called them back. I spoke to a representative and asked them not to keep calling me because that is harassment. They representative told me that " they are trying to help me '' this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023, I received an Alert from my XXXX account that the credit limit on my Home Depot credit card ( THD ) had been decreased from {$5000.00} to {$2500.00}. I called the number provided in the alert, XXXX, which was to CBNA, ( CITI Bank ) on XX/XX/2023, and they could give me no information as to why my credit limit was decreased. I then called The HomeDepot customer service number to complain and request a reason for this decrease. My Home Depot credit card was dormant and they could not give me a reason for the decrease. I was very upset to learn that my Credit Score went from XXXX to XXXX. I have not been late in paying back my monthly credit card bills. I asked Home Depot to increase my credit limit back to {$5000.00}, which they did, only because I wanted my Credit Score to go back to XXXX. I even made a purchase of {$4.00} on my Home Depot credit card. On XX/XX/2023, I complained to the Home Depot customer service that it was unfair that CITI Bank decreased my credit limit. When I never received a reply from CITI Bank, I called Home Depot Customer service again. On XX/XX/2023 I received an email from CITI Bank which said they dont discriminate but gave me no reason for the decrease. On XX/XX/2023 I received a Voicemail from CITI saying they will respond to me in writing. CITI had no reason to decrease my credit. It was unfair and caused my Credit Score to drop to XXXX. While XXXX is still an excellent Credit Score, they had no reason to decrease my Home Depot credit limit in the first place. CITI gave me no notice of their intentions. By decreasing my credit limit, I feel they implied that I wasnt a good credit risk. CITI should not be allowed to engage in such practices.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am seeing a collection account on my credit report from XXXX XXXX XXXX. I am not responsible for any debt with XXXX, and I do not have a contract from XXXX XXXX XXXX. I have disputed this account numerous times only to have it taken off and reappear on my 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 non-monetary relief
Consumer complaint received 2021-06-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was alerted when a fraudulent charge was made on my Citibank credit card in XXXX. Someone used my number to make a strange charge in a state I have never even visited. I called immediately and they sent me a new card and said the charge would be removed. It appears that they credited the amount, and then they mistakenly added that fraud charge again! So the fraud charge amounting to {$250.00} is still on my account. 

I have called repeatedly and talked to a number of Citi employees ( internationally too ). I have always paid my account in full every month. The Citi employees kept reassuring me that I was not responsible for it, and the problem would be fixed by the next billing cycle, so not to pay the fraudulent charge. I have paid my legitimate purchases and subtracted the fraud charge, as I was told. But it kept appearing on my statements. 

The Citi employees that understand the problem are not able to fix it, and refer me to the security department, where employees can't seem to see that the charge is on my account twice, and argue with me about it. Where is the customer service backing up the assurances that customers will not be responsible for fraudulent charges? 

The last time I called I asked for a mailing address so I could send a letter and a copy of my account charges from this year ( from their own website ) to explain and hopefully reach someone that will clear this up. I mailed the documents, but haven't heard anything back. This is now XXXX. I have lost all confidence in Citibank, after having a credit card with them for years. They just keep passing me around to various departments, wasting loads of time, and no one removes the fake overcharge. And now they are adding interest to it! Their slogan " Citi is at your side before, during and after every purchase - Your Citi Team '' means nothing.

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