BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I always try to pay my Goodyear credit card n time. If I am not mistaken my monthly due date is by the XXXX of eaach month by XXXX of that day. Last month i I realized i had to put my paymernt through but I was only 55 minutes late becaus of home issues and the Covid 19 pandemic, so i called in my payment at XX/XX/XXXX only 55 minutes after the cut off time. @ XXXX XXXX..The next day in the morning of the XXXX I called them and the representative said they would honor the XX/XX/XXXX payment as being on time and they wouldany late fees or interest. 
So tongiht on the XXXX of this XX/XX/2020Month i wanted to make my XXXX payment ( even though we are having hardship with funds becuse of the Corona Virus situation ). When I saw My bill I was very upset and to my dismay there were late fees and interest from the previous month on my account statement. The rep said " there would not be any and that they waived them '' .. I find this to be unfair buisness practices by Good year. ( This seems to be an on going problem by this conpany from past history. they never get it right ) .I would like them to adjust and waive all the interest and late fees from XXXX XXXX they lied!!!! ( unfair business practices when I asked for a confirmation # on this agreement they said " They had none but not To worry. '' I guess they took advantage of me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: SUNRISE CREDIT SERVICES, INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
SunRise Credit Services there are about 15 people who call me & tell me that XXXX XXXX XXXX told them to collect what I owe XXXX XXXX XXXX. I spoke with my cable company, which they told me that they do not do that type of communication. When I went to my XXXX XXXX XXXX store I had the GM listen on speaker phone to the fraud woman, the GM corrected the SunRise woman & the woman hung up when busted by the actual XXXX XXXX XXXX cable company GM in California .... Why are these people not arrested, its the same group sitting in 1 small room around a table together.

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 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please 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 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 non-monetary relief
Consumer complaint received 2019-01-31
Company: Real Time Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have pulled my credit reports on XX/XX/XXXX and to my findings there was this collection agency name Real Time Resolutions reporting negatively to credit bureaus XXXX  and XXXX in the amount of {$2200.00} claiming that I took out an installment loan fro a company called XXXX XXXX XXXX in the amount of {$1700.00}. Ive sent request to Real Time Resolutions for VALIDATION of the information they are submitted to the credit reporting agencies. In return they sent me a verification of bills they supposedly sent me in XXXX to an address that I have never lived at which is on XXXX XXXX XXXX XXXX XXXX SC XXXX but they never VERIFY the debt. I never receive a notice nor do I know about this debt. The VALIDATION I expected was proof of an agreement, my signature and any other LEGAL proof that I took out the alleged installment loan with XXXX XXXX XXXX and they fail to do that. I ask that this company cease reporting to my credit report and have it remove 100 % ASAP. I do know my rights and they are in violation of Section 609 of the Fair Credit Reporting Act. They failed to provide a copy of the original creditor 's documentation. The documents attach is what they sent to me after requesting validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2023-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still an account that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$69.00}

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
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NC
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:
XXXX Credit Bureau, XXXX Credit Bureau and Equifax XXXX Credit Bureau You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly, states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end Consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a used XXXX XXXX from a XXXX dealer. Wells Fargo financed the car. 

They never sent me a bill. I bank through Wells Fargo so set up automatic payments. What I didn't know about and was not informed about is that the first payment must be paid through the mail. I didn't know this. The computer system didn't tell me this. 

What was worse, is that I received NO STATEMENTS through the mail from Wells Fargo and was unaware ( the bill was only {$200.00} a month and so I didn't notice that it wasn't being paid ) that it wasn't being paid. 

My first communication from Wells Fargo was a letter stating that they were going to repossess the car. 

Mind you, I have banked with them for XXXX years, had all my personal, business, and investments with them. I called Wells Fargo that day, paid up XXXX this situation ruined my credit. 

I had XXXX XXXX XXXX. Yes, that's correct. It dropped to XXXX because of what they did. I'm still, a year later, working to get my credit back to where it was. When I confronted them about the problem they apologized and said there was nothing they could do.

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 2019-01-31
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems is reporting a collection account on all 3 credit bureaus credit reports. I sent them a letter on XX/XX/2018 asking for them to VALIDATE the debt. I also disputed the account with all 3 credit bureaus in which they stated the account was verified however I had not received any validation from them. They violated the FDCPA in which they continued to report an unvalidated debt. I sent them a follow up letter on XX/XX/2018 to advise them that they were in violation for continuing to report an unvalidated account and to advise them that they had failed to send me back required information that I requested. At this time, they have yet to send me any documentation but are still reporting this account. I am demanding them to comply with Federal law, and delete this account as they have failed to send me information to prove this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2019-01-31
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Certified Services is causing me injury by falsely reported a debt on my credit report that I do not owe. I never signed an agreement/contract with them or used their services. They are violating my right under the Fair Debt Collection Practices Act by providing misleading information by reporting account on my credit that I did not sign up for with them. They have two accounts on my credit that should be removed. I have tried going through the XXXX, however, they did not respond to the agency, which provides an example of their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am filing a complaint against Equifax through the Consumer Financial Protection Bureau ( CFPB ) due to persistent issues with my credit report. Each time I apply for credit, my bank informs me that my Equifax credit report is frozen, yet when I access my Equifax account online, there is no indication of any freeze. Additionally, my attempts to resolve this issue via phone have been consistently unsuccessful, as I am repeatedly told that the systems are undergoing updates and to call back later. This recurring problem has become a significant impediment to my financial activities. I urgently require assistance in rectifying my credit report by ensuring it is unfrozen and also request the removal of any fraud alerts that are inaccurately placed, as these are hindering my access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 file this same domplaint many times with CFPB and XXXX have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I will to see documents showing the company has the right to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 


Collection accounts disputing XXXX XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$140.00}

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 2019-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I went into the Bank of America located at XXXX XXXX XXXX XXXX XXXX, Ca. After completing one transaction the teller told me that he could not take my cash deposit due to multiple transactions. He instructed me to use the ATM machine located inside of the branch. I proceeded as directed and made a {$2600.00} ATM cash deposit. On XX/XX/18 I noticed {$1900.00} debited from my account so I went to the Branch and the Manager said he could not help me and I needed to file a claim. I called BofA claims department ( XXXX ) XXXX. The representative started a claim for me and I saw a return of the {$1900.00} into my account. On XX/XX/18 the {$1900.00} was again debited from my account and I called BofA Claims Dept again. I was transferred to XXXX XXXX ( would not provide last name ) and she told me they were not going to return my money to the account.

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 2023-11-14
Company: EQUIFAX, INC.
State: GA
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: TX
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
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:
I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/2022, I was alerted through XXXX XXXX XXXX that someone was attempting to open a credit card in my name through Bank of America. I immediately contacted BOA to notify them that I never applied for a credit card through them. They verified the fraudulent attempt and said they would take action and notify my credit agencies. The fraud attempt through BOA was on XXXX XX/XX/2022. 
The next month, I was notified again through XXXX that another fraud attempt through BOA was made. I contacted BOA again, they again said they would take action and report it to my credit agencies. The fraud attempt through BOA was on XXXX XX/XX/2022. 
The fraud attempt 's happened again on XXXX XX/XX/2022 and in XX/XX/2022. Bank of America stated they never granted credit on these attempts and I was directed to put a freeze/fraud alert to all the credit agencies. 
Unfortunately at this time, two of the fraud attempts XXXX XX/XX/2022 and XXXX XX/XX/2022 inquiries are still reflecting on my credit reports which I'd like to have 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 explanation