BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: CITIBANK, N.A.
State: TX
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:
My Citi credit card information was stolen and used to make 6 fraudulent charges on XX/XX/XXXX. I noticed this on the XXXX and immediately notified citi bank. I also notified them immediately a few weeks later, when I started receiving some of the fraudulent items in the mail. They are trying to pick and choose which of the 6 charges are fraudulent and have not opened cases on the smaller amounts, even though i've requested via phone. All 6 charges are from similar scam sites that sell health/diet pills. A few responded to citi trying to say they were legit. The receipts they provided actually proved they were fraud. The receipts had a fake email and a public IP address from a different city. Even with the proof of the order being placed from a different city and fake email citi is finding in favor of some of these merchants when they are all the same fraud charges, committed all at the same time. I will provided email and IP/receipt information. Please also see the XXXX   links I provided to citi in emails, which shows this type of fraud happening to others. These are the charges and you'll also see them in the statement. Citi bank owes me a total of {$520.00}, as I am not responsible for fraudulent charges regardless of the type of fraud. So far they have not returned any of it and are trying to find in merchants favor even with proof of fraud. 

XXXX XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX FL {$170.00} XXXX   XXXX FL {$19.00} XXXX  XXXX FL {$29.00} XXXX XXXX FL {$77.00}

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 2023-09-07
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
In 2021 my vehicle which was older, stopped working, unable to fix it. I received loan and title for vehicle was collateral. 
One Main first told me I had to get a type of insurance added to loan to receive it. I was approved for loan of XXXX. After this insurance was added it went up to a {$10000.00} amt. I paid my payments each month until my vehicle messed up. My parents gave me their old vehicle so I went in to office to switch the title to still complete loan. They would not change vehicles on loan and would not give me my title back to original vehicle. They stated because it had someone else on title along with myself that they couldn't. I even had the 2nd person on title sign statement stating he authorized the car title to be added to.loan to continue with loan. OneMain would NOT let it happen and therefore, I'm now stuck with broken vehicle with no title and unable to sell it for parts or anything else. I have witnesses who can vouch for vehicle current state. Covid hit and I became unemployed and wasn't able to make payments for a loan which vehicle that was inoperable. One main would not help me, work with me on payment assistance, nothing. They sent my loan to collections for nonpayment now and continue to avoid helping me or taking my calls. I'm stuck with a debt t hat I tried to resolve and get help with. I even tried asking to gave them take this insurance of some sort off to lower amount while I was struggling to make ends meet. I am a divorced single parent now of XXXX and I'm drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian is reporting a bankruptcy on my credit report and has put the data furnisher as the, U S. Bankruptcy Court of Georgia, which is false. I have included a letter, from the U.S. Bankruptcy Court of Georgia, that states that they DO NOT furnish such information to the credit bureau or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
Experian is falsely reporting this information on my credit report and have yet to remove it from 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 explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Mortgage lender can not pull my credit report form Equifax. Has tried multiple times. The first on XX/XX/20, XX/XX/20, and again on XX/XX/20 She is getting a message saying " input SSN mismatch : does not match what Equifax has on file. 

I spoke with Equifax for 2 hours on XX/XX/20. They assured me they had the same information and erased an alert on my account. They told me my lender should have no problem pulling my report going forward. However the next day she got the same message. XXXX  and XXXX  come through fine. 

This issue is holding me up from getting approved for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Parties Involved - Patient : XXXX XXXX XXXX Medical Facility : Honors XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX. 
Collector : Bureau of Medical Economics Please see the attachment for a full description of the details. I visited the above medical facility but was also billed by a second provider, XXXX XXXX XXXX, XXXX without my knowledge, who duplicated charges by excessive medical billing and overcharging my insurance because of a broken medical system. I am not responsible for these charges that arise from XXXX XXXX XXXX, XXXX committing insurance fraud to line their pockets. Ultimately, It is unlawful that providers are using excessive billing practices on patients. This practice needs to be made aware and halted indefinitely to avoid further harming more patients at the hands of the Medical Community.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: AFNI INC.
State: OK
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:
Account Name AFNI, INC. 
Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX This is not my debt. I have asked numerous times for the debt to be validated with my signature or any legal way. The other Credit Reporting agencies removed it, but XXXX  and some others wont. I have no idea what this company is or what the debt is, And I want it removed immediately. They had 30 days to show proof of debt of ANY KIND, and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid to see my credit report and score. My credit score that was given to me was not my fico score it is a score the no one use or at least only XXXX XXXX  of companies use so it is pretty much useless XXXX ( XXXX  ) does not give me an accurate assessment of my credit to be able to repair it accurately this is NOT a fair practice I think my credit is one thing, but it really is another. These credit reporting agencies have all consumers over a barrel. The can put things in our reports and not tell us and it could be wrong we dont find out until we are turned down for credit. And they wont even give the credit score that matters. THIS IS NOT RIGHT. I paid for my fico score not some junk no one uses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DEPARTMENT OF EDUCATION xxxxxx XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  xxxxx XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In my previous complaint I stated that I was a victim of identity theft. The company told me to submit my identity theft report and police report. I supplied both. Yet they are saying that XXXX is saying the inquiry was authorized. I spoke with both companies by phone who stated that since this was an inquiry that I didnt apply for, it would be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I recently checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2018-03-13
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I went on line to XXXX who I have dealt with before to book a future reservation. 
The website was clear, that they needed my credit card, BUT NO MONEY WOULD BE CHARGED ON MY CARD AT THIS TIME. At XXXXEST, today XX/XX/2018, I received a standard notification from my Discover Card, that XXXX XXXX AN UNAUTHORIZED FRAUDULENT CHARGE FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent a letter on XX/XX/XXXX, to remove these items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$14000.00} the aforementioned items are UNKNOWN to me. you are required to remove/block the items in my file that are fraudulent and erroneous. 
Ive already included this in my previous Complaint & I am including it again.

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 2020-07-24
Company: KEYCORP
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made an additional principle payment of {$1500.00} on XX/XX/XXXX to from my checking to XXXX # XXXX on my Home Equity loan with Key Bank. They applied the payment to XXXX # XXXX instead. I called customer service on XX/XX/XXXX and asked them to fix the error and allocate the full {$1500.00} to XXXX # XXXX and was told that the request was put in and would be complete in 2-3 business days. KeyBank reversed the payment off of my loan, but after 4 business days still had not applied it to the correct XXXX. The payment was payment was not anywhere on my loan, nor put back to my checking, it was simply missing. On XX/XX/XXXX I went into the XXXX Branch and spoke with XXXX who said I needed an appointment and she would call me at XXXX that day. She never called me, so I went online and set another appointment for XXXX the next day on XX/XX/XXXX. I had to call the branch on the XXXX and leave a message for XXXX to call me. When I finally spoke with her she said she put in a request to get the {$1500.00} applied to XXXX # XXXX and it would be complete in 2-4 business days. After 5 business days, again the payment was not posted. I spoke with XXXX at the XXXX branch on XX/XX/XXXX and was eventually told he spoke directly with the back office that processes the payments and that it would be posted in a day or 2. After 3 more business days, still no payment. I called XXXX back on XX/XX/XXXX at XXXX am. He called back at XXXX and said that neither the back office or his Operations Lead can explain why this is happening or give an XXXX for it to be fixed, I just have to wait. It has been 3 weeks since the payment was initially made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
XXXX XXXX  Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX I never had late payments XXXX XXXX XXXX XXXX Account Number -- XXXX -- Opened -- XX/XX/XXXX This is not accurate.please remove this inaccuracy from my report. 

XXXX  -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX -- Account Number -- XXXX -- Opened -- XX/XX/XXXX Is not mine, please remove. 

XXXX XXXX -- Account Number -- Account Number -- XXXX -- Opened -- XX/XX/XXXX This account has incorrect information. 

inquiries, these inquiries were not authorize, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. 
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 2023-04-20
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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Over the past couple months when I fell behind on some payments, I began working with them to bring my account current. I initially spoke with someone in late XXXX who advised me that she could bring my account to current status if I could make payments of {$140.00} every two weeks. I agreed. I got a call a week or so later from an Account Rep who said the previous rep was wrong, I would need to make payments of {$160.00} every two weeks to bring my account current. I was frustrated at the apparent misinformation but agreed. Finally, in late XXXX, I received another call from an account rep letting me know that the gentleman on the prior call was wrong, and I should make payments of {$170.00} a month. I agreed. 

A payment was pulled from my bank account in the amount of {$170.00} on XX/XX/20 and posted. Then on XX/XX/20, another ( unauthorized ) payment of the same amount was pulled from my account, causing it to go negative, resulting in a {$28.00} NSF fee from my credit union. 

I contacted support via Discovers  messaging feature in the mobile app but did not receive a response. I am frustrated at the unauthorized charge and its affect on my finances. The pattern of misinformation and unauthorized payments makes me feel nervous and at their mercy when I am already in a delicate financial situation. Im sure this is happening to other customers if its the case with me. It seems very predatory. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
The Credit Bureau, Equifax is in clear violation of the FCRA. -- Equifax is reporting an account to my credit report that was ordered to be deleted by the original creditor. THIS IS HINDERING MY ABILITY TO APPLY FOR CREDIT. -- Account name, " XXXX XXXX XXXX & XXXX '' Account # XXXX should be completely deleted from my credit report according to the original creditor. -- THIS IS CLEAR GROUNDS FOR REMOVAL. EQUIFAX SHOULD CONTACT XXXXXXXX XXXX XXXX XXXX XXXXXXXX IMMEDIATELY TO CONFIRM THE ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. -- EQUIFAX HAS ALSO VIOLATED MY RIGHTS UNDER LAWS LISTED BELOW : -- 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. A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, CONVERGENT OUTSOURCING, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX. Whereas I believe them to be a debt buyer, Convergent outsourcing, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.

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