BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: CITIBANK, N.A.
State: IL
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:
-my annual fee came due for statement date XXXX as per usual i call Citi to negotiate a fee reversal as i have for the past several years or a retention offer instead- the customer service agent appeared to be from a overseas call center and could not speak english well.- she did manage to offer me a retention offer that i was not interested in- i told her i already had a non annual fee Citi Mile-up American Airlines card i could get the same benefits from with no fee. i requested that my CitiBusiness/AAvantagePlatinum Select card was no longer use full and clearly stated i want the card 'CLOSED ' and my {$99.00} fee refunded per agreement -the next billing cycle i noticed the {$99.00} fee was still there and the card had not been closed or canceled - im a good customer of Citi and have several cards and have never been late.. - Citi needs to insure that there overseas call center agents can speak english and understand it clearly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: IL
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:
Last 4 of XXXX RE : XXXX XXXX Dear TO WHOM IT MAY CONCERN XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone on XX/XX/2023 and identified this alleged debt. PLEASE PROVIDE PROOF OF CHARGE OFF/ The following account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 



I am demanding a deletion of the following account. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is the second time within two months that I have received notices from a collection agency for medical bills for XXXX  XXXX XXXX. In both cases I was never billed by XXXX  XXXX XXXX  for their services. I replied to the first notice and paid the amount owed. In my reply I suggested that XXXX  XXXX XXXX  amend their billing process to ensure the customer was billed and provide a second notice before submitting to a collection agency. 

My advice was ignored and I have now received a second bill with the same circumstances. The practice by XXXX  XXXX XXXX  of failing to bill the customer and sending the bill to a collection agency is unfair. I am now very concerned that my credit rating may be adversely affected for a bill I never received. 

This practice by XXXX  XXXX XXXX  must be stopped. It is not only unfair but a complete waste of time and resources by both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # : XXXX, XXXX and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete 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 explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP continues to use false, deceptive, and misleading information in its illegitimate attempt to collect this alleged debt. Its unclear to whom Dunlap Gardiner LLP is referring to when it references The owner. However, it is deceptive to state that membership to the association is by default upon purchase of a home in XXXX XXXX XXXX without providing legal proof in the form of a legitimate enforceability agreement between myself and the association to back up such a claim. Dunlap Gardiner LLP and its client, the association is not qualified to speak to the facts regarding the purchase of the home as it does not have firsthand knowledge to this consumer credit transaction as neither of the above mentioned was present at the time of this consumer credit transaction. Im the only one that can speak to the facts of that consumer credit transaction as I was the only one involved with this situation present at the time of the consumer credit transaction. Nowhere in the Hud-1 statement, or other closing documentations signed referenced anything about an agreement to join this fictitious association. Dunlap Gardiner LLP and its client, the association continues to infringe upon my federally protected rights as a consumer by its constant harassment, use of intimidation, use of false, deceptive, and misleading attempts to force me into paying this alleged debt in which Dunlap Gardiner LLP and its client, the association does not have any legal right to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to dispute several collection accounts on my XXXX, Equifax and XXXX credit reports that I believe to be fraudulent. I am a victim of identity theft and did not open or authorize any of these accounts. 

The following accounts are fraudulent : XXXX : Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX Equifax : Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ) Date opened : XX/XX/XXXX XXXX : Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX  Date opened : XX/XX/XXXX I believe that these accounts were opened without my knowledge or consent while I was out of the country. I was not present in the United States during the time these accounts were opened, and I have not used the services of these creditors. 

As a victim of identity theft, I request that these accounts be removed from my credit reports immediately. I have taken steps to address this issue, including contacting the appropriate authorities and notifying my financial institutions. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: OH
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:
Please remove the late payments from all credit reporting agencies and companies reporting them. 
I have contacted them with no resolve from them. 
In accordance with The Fair credit reporting act, these creditors/companies have violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 It also States a consumer reporting agency can not furnish account without my written instructions.

Under 15 Usc 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe tha
t the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX has XXXX XXXX XXXX reported as 2 late payments and I was never late. 15 US 1681B NO PERMISSION I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 U.S.C 1681i ( 5 ).

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX and TransUnion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three reports. Which is a violation. This is causing me financial injury and impacting me from buying a house.

I've attached my letters and 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
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 applied for mortgage for house. When my credit report was pulled, my score was showing very low because someone else information was there on my credit file who has accounts in collection. I filed dispute and get response that issue will be resolved in 1-5 business days. Its 10 day today and issue is still there. I had payed {$20000.00} already as a deposit. I have loosed this amount because of Equifax XXXX. Because they were not able to fix it. Every time i call them they have a different reply. Even they don't have any physical office where i can visit .how come they have not aware that there are 2 person on one credit file. How they can be so stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
This complaint to the EQUIFAX was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I have been a victim of identity theft because my information was released to the public in various data breaches. Someone opened up accounts in my name without my consent. I need these unauthorized accounts removed immediately because I'm looking to get a mortgage and this is hurting my reputation with the banking system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Augusta Collection Agency, 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 to have the negative reporting from the Augusta Collection Agency removed from my XXXX and XXXX XXXX credit reports. XXXX and XXXX XXXX credit reports refused to remove this information from my credit reports. Last week, I spoke with someone from Augusta Collection Agency/XXXX XXXX XXXX XXXX and they said they will not remove this balance of {$2500.00}, from my bureau of credit reports . This account is being reported as an Account Type : Unknown, Acct # : XXXX, Date Opened : XX/XX/XXXX, Last Activity : XX/XX/XXXX ; Collection ; High Credit : {$2500.00}, Past due : {$0.00} ; Balance : # XXXX. This is a medical bill that has been paid by my health insurance company. 
After conducting my research, I found that the balance reporting of {$2500.00} was when my daughter, XXXX XXXX, was transported to the children hospital at Augusta University XXXX XXXX XXXX XXXX ambulance on XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX health insurance company regarding the balance of {$2500.00}. XXXX stated that XXXX XXXX XXXX XXXX XXXX submitted in the amount of {$2400.00} in XXXX, and they paid the balance in full, {$2400.00}. XXXX stated that they paid the claim that was submitted. Please review attachment from XXXX where they paid XXXX XXXX XXXX ambulance service in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX from my bureau credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: SYNCHRONY FINANCIAL
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 have been a loyal customer for many years. I have always paid my bill right on time. Ive never maxed out my credit card. I have good credit overall. The first and only time that Ive ever had a problem with my Lowes credit card. Im getting the runaround. I got a bill. They told me I old money considering we knew that we had not use the card in recent months. We knew that we didnt know anything. We logged on, and sure enough there were charges that were made in another state that was close to 1000 miles away from us. We dont know who made the charges we did not benefit from the charges we didnt get permission to anybody to make the charges this completely caught us by surprise. Very stressed and worried we called the bank. We are told. Dont worry. We will take care of this. You reassured us that we are not liable for fraudulent charges. That put my mind at rest I thought OK the bank is going to take care of it. This is why weve been so loyal to Lowes for all these years. After months have gone by, all the sudden we owe a balance again at first we thought it had happened again. But now its the fraudulent charges that have been added back to our account and I have no idea why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: JPMORGAN CHASE & CO.
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Refused to investigate monthly fraudulent charges by XXXX XXXX and Refund fraudulent charges and shut off fraudulent charges. Since XXXX of XXXX I have been Repeatedly charged {$53.00} monthly on XXXX XXXXXXXX XXXX XXXX  ending in XXXX since XX/XX/XXXX by XXXX XXXX XXXX XXXX, a Third party processor company that I CLOSED the account with. XXXX XXXX XXXX XXXX {$170.00} in Bogus Charges on XX/XX/XXXX and verified the charges are bogus and account is closed- but XXXX continued to charge my card monthly AND CHASE WONT STOP THEM- I have reported this to chase several times - this is fraud. I demand CHASE issue a FULL refund of {$53.00} monthly charges since XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: SC
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 a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation