BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: CITIBANK, N.A.
State: AZ
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:
XXXX was fraudulently charged. I notified the credit card company ASAP. They cancelled the card and stated that they would reimburse the chargers. This was in XX/XX/2023. 
I noticed from my XXXX statement that the charges have reappeared on my card as well as a duplicate charge. 

I jave called the credit card company and I am not happy about their response.

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 2022-12-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I reached out to XXXX on XX/XX/2022 and asked them to remove/block an closed fraudulent account on my credit profile and was told that they will. 
and until this day no action was made.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have made three separate requests for Transunion to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Transunion to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the  credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) Transunion has cleared three of the original derogatory remarks for which they can not provide verifying documentation. However 4 such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : https : //financialservices.house.gov/media/pdf/060403lb.pdf

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 2023-05-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I tried to log in to my online banking access was denied, then I call Citi bank to find out if their system is down they told me they have closed my account due to suspicious activity, they said my check from my employer with my name and everything has been returned I told them let me call my employer they told me no need to that their decision was final. I asked about my funds they told me I will be able to access them after investigation that may take up to 60 days. I have a checking and a saving with about XXXX XXXX or more. What am I going to do how am i going to pay my bills Ps : the check amount was XXXXXXXX XXXX CITI BANK IS UNFAIR TO CONSUMERS

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 2022-02-03
Company: EQUIFAX, 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:
Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, Global Consumer Solutions, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. customer.care@equifax.com blatantly lied to me and told me that " they couldn't find the two XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within 72 hours! They lied! I mailed in my copies, faxed it 13+ times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the two XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum 5 business days to process their faxes and I sent it last Thursday so it's been 5 business days! Plus they received the previous information THIRTEEN TIMES since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid 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:
Barclay 's who manages the Carnival Mastercard sent promotional offers starting XX/XX/XXXX offering 0 % APR for any new purchases till XX/XX/XXXX. They then continued to send offers including reminders until XX/XX/XXXX which offered 0 % until XX/XX/XXXX. I received a total of 10 e-mails during this period regarding these offers and I activated it. 

I had purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I discovered that on XXXX statement the promotional APR was only applying to prior purchase and a balance that did not correspond to any outstanding balance showed the standard APR of 24 %. 

I called and spoke with a representative who opened a ticket because they showed that I activated the offer on XX/XX/XXXX but I had already activated an offer in XXXX and thus that should have applied to the XX/XX/XXXX charge as well. She indicated that our in fact have 0 % APR on this purchase till XX/XX/XXXX ( which still is short the offer of XXXX ). 

I received my next statement and the typical APR of 24 % applied to entire purchase of XX/XX/XXXX. I called and the representative indicated that " investigation '' found it did not apply because the promotional 0 % only applies when you first open a card which was not the offer in question. The representative then confirmed that they have no way of knowing what offers are sent to individuals and was able to offer no further assistance on the matter. I was told I could submit proof of the offers by mail or fax ( not by e-mail or electronic form ).

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 2017-07-02
Company: The Winn Brown Law Firm, LLC
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Car was involved in a wreck on  XXXX / XXXX /2012. Other party at fault. Insurance (   XXXX   XXXX   ) sent adjuster 's appraisal of damage ( {$5200.00} ) with  XXXX    XXXX   of $  XXXX .The adjuster 's comments stated that the vehicle " may have a dditional damage to : RAD SUPPORT. FRAME RAILS, SUSPENSION. The day after the wreck I hired   XXXX   XXXX   ( attorney,    XXXX   XXXX  , MS ). The car was subsequently repossessed and sold for {$1500.00} making the TLF = {$6700.00}.
Collection Attorney : The Winn Brown Law Firm, PLLC   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    XXXX , MS  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 explanation
Consumer complaint received 2018-12-06
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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: FL
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 DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is against XXXX XXXX XXXX XXXX XXXX. I received a response from XXXX regarding a dispute of an alleged bankruptcy record it obtained from XXXX XXXX  ). According to XXXX, it obtained this record in which they claim, it included " XXXX digits of my XXXX '' which is not public information. In which I believe was errounously matched to my report. 

However, I have challenged their investigation for the following reasons : ( XXXX ) XXXX  did not verify the " Accuracy and Completeness '' of this record with the courts according to the attached notice from TransUnion and the Bankruptcy XXXX. In the notice, TransUnion admitted to using ( XXXX  ) as it's " Validating Source ''. I contest that my " XXXX XXXX '' could have been transposed with another consumer 's information. 

I am concerned that this data company could have created an account illegally and added it to my credit file. The attached letter from the courts, certifies that the courts " Do not report to XXXX XXXX ''. Therefore, LCI must remove this record from it's database as it is " Incomplete '' and " Unverifiable ''. Please note that by using PACER as the validating source, XXXX  and TransUnion has violated 15 U.S. Code ****i. XXXX  has no " Permissible Purpose '' to obtain, or transfer my personal information to any CRA. XXXX  has violated my privacy by transferring my " Personal Information '' to TransUnion. While I am fully aware that bankruptcy records are public, and that data furnishers do not need a consumer 's permission to share them, the law prohibits the reporting of such records, if they are " Incomplete '' and unable to be verified from it's " Originating Source ''. 

I am demanding that XXXX  removes my " Personal Information '' from their database as they have no " Permissible Purpose ''. I demand XXXX  ceases the reporting of this " Unverified '' bankruptcy to TransUnion and any other source.

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 2022-05-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 my husband went to Citibank and informed that I mistakenly clicked on the link that came to me, indicating that it is from Citibank. banker told my husband it is ok no need to worry if we did not give the account number and no need to do anything at this time. next morning ( XX/XX/2021 ) i just checked the account and saw three fraudulent wire transfers, I went to bank right away and informed the same banker about the issue, then she stated that " we have to open this kind of fraud cases every day so many people are coming with same issue. '' the hacker took {$15000.00}. I don't have that kind of money in my account he transferred {$500.00} from my checking plus to checking account and deposited fake check. and eventually that fake check got bounced. 
I was in the bank that day for almost XXXX hrs and completed all the necessary paperwork. my husband came from work that afternoon and asked why she did not mention about so many fraud cases that they have to open everyday, the day before and why she did not suggest to freeze the account, she has no answer for that. while opening the case I asked them when there is negative XXXX XXXX dollars in the account why they processed the third wire transfer, they have no answer. I opened 3 fraud cases for the wire transfers with Citibank fraud department and another case for the money transfer from checking plus to checking. For minimum courtesy not even once, No one called me from Citibank and also even before resolving the case they keep sending me the bills to pay them back the checking plus money and also they report to my credit bureau. whenever I call them, they keep telling me it is under investigation they can't give out any information. And in XXXX when I called they said they closed the case did not send any information and did not call me, after that call they send me letter stating that they denied the case, I appealed it again. 
we are working hard middle class people, please help us to get our money back. I also reported to 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 2022-12-16
Company: EQUIFAX, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.

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 2017-07-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
APPLIED FOR CREDIT CARD FROM XXXXXXXX XXXX  RECEIVED LETTER DATED XXXX XXXX2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( XXXX EXPERIAN ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... .. XXXX XXXX HAVE LIVED IN XXXX AT XXXX XXXX XXXX FOR 14 YRS. BEFORE THAT @ XXXX XXXX XXXX XXXX. ALSO IN XXXX FOR 29 YRS.

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 2023-10-15
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Subject : IMMEDIATE Removal of Fraudulent Account from XXXX XXXX XXXX NATLCRSYS , Account # XXXX To Whom It May Concern, I am writing to notify you that National Credit Systems , Inc. is continuing to furnish a fraudulent account on my XXXX Credit Report. On XX/XX/XXXX, I communicated to National Credit Systems , Inc. and all 3 credit reporting agencies that the account appearing on my consumer report as NATLCRSYS, Account # XXXX, opened on XX/XX/XXXX, with a reporting balance of {$2200.00}, was a result of identity theft, and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I formally requested that the fraudulent account be blocked and deleted from my consumer report. In that request, I provided all the necessary documentation required by the FCRA to support my dispute and the removal of the fraudulent account. 
Despite my efforts, upon reviewing my most recent XXXX consumer report, I found that the fraudulent account is still being reported. Moreover, National Credit Systems , Inc. has failed to provide me with any documentation to validate this fraudulent debt or any documentation to support their claim that I owe this money pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ).

To further clarify, the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) requires that if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}

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 non-monetary relief