BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-08
Company: CITIBANK, N.A.
State: VA
Product: Credit 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:
On a recent trip to XXXX with my family, on checking my credit card transactions, I saw a {$610.00} ( XX/XX/XXXX ) charge on my account. I wanted to reach out to the bank and report it, but since it was still processing I could not dispute it. I put an alert to notify me when the transaction posts after which I ended up filing a claim on XX/XX/XXXX. After a few days, the bank requested that I provide details about the transaction and I explained the other charges on my card. A few days later when I logged back into my account, the dispute said it was resolved and that the Customer was responsible for the charge. I tried calling the dispute center to understand what was going on. The executive I spoke to said she will reopen the claim. Not hearing anything from them and no status change made me call them again to find out about the card. On XX/XX/XXXX when I called the fraud center of Citibank, they said the card has a chip and there is no way to clone it. Since the transaction was done using a chip they said either me or someone whom I gave the card to may have done the transaction. The only time I remember the card being with someone else was with a gas station clerk and the other being my card/wallet left in the car accidentally and the car parked by valet. I asked the Citibank staff to provide me any details about the transaction and they said the name of the merchant that I saw on my card is all that they have. I am unsure what their investigation led to that makes me responsible for this charge. There were other valid charges done around the time and I only had concerns with this one charge. I feel that the bank is not providing me with sufficient info. I said I am happy to cooperate with the investigation and would be willing to provide any details they needed. I can also testify this on oath and am happy to face the consequences if I am at fault.

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 2021-01-09
Company: EQUIFAX, INC.
State: MI
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:
noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX  XXXX XXXX MasterCard credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no knowledge or dealing or ever signing any contract and agreement with ENHANCED RECOVERY COLLECTION who flagged my CRA account as Collections on XX/XX/2023. Source : XXXX XXXX : ENHANCED RECOVERY COLLECTION XXXX XXXX XXXX, XXXX, XXXX  XXXX : ( XXXX ) XXXX Re : XXXX XXXX XXXX ( Collections Balance Date : XX/XX/2023 Balance : {$240.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 no jurisdiction as a third-party vendor to flag my CRA accounts . I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212. I have already sent all creditors certified mail and cced all CRA bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX Balance : {$5000.00} 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 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 2022-08-11
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a charged-off account from XXXX auto loans on my credit report. While coming through my credit report, I discovered NCB Management Services ( A collection agency ) bought the debt and is now listed on my credit report from all three credit bureaus as a collections account. This has adversely affected my credit.

1. I do not have a contract with NCB Management Services ; therefore, I do not owe their company anything.

2. I have never received any written correspondence from the company. I have never received any information from NCB, regarding the original creditor, the amount owed when the collector purchased the debt, the date of the last payment, and whether the date is passed the statute of limitations.

3. While researching the company, I discovered NCB Management is not licensed in my respective state ( Illinois ) to collect a debt. Illinois law requires a debt collector to be licensed to collect a debt. Therefore, NCB Management Services is not authorized to collect a debt from me.

4. I received an email from an office that I previously worked at and was told the current employee has received numerous phone calls from " NCB Management Services '' despite her telling them, that I no longer work there and that she does not have a forwarding phone number for me.

5. I have received numerous phone calls, allegedly from NCB Management, starting before XXXX XXXX and throughout the day, every day. 

XXXX XXXX XXXX ( ( This is where I saw what states do not require a license to collect a debt. Illinois was not listed ). 

XXXX XXXX XXXX  ( This is per NCB Management Services website . They do NOT have a license listed to collect a debt in Illinois. I am also including a screenshot of the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX did not freeze my accounts as requested due to fraud and apts and other credit check without my permission.

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 2021-02-04
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began talking to XXXX XXXX on XX/XX/XXXX at Mr. Cooper Mortgage Company ( NMLS # XXXX XXXX about refinancing my home to get a much better rate and go back to 30 years to reduce my mortgage payment. A loan application was started and I emailed requested documents, signed online forms, and paid for an appraisal immediately. XXXX told me it could take up to 60 days. I own a small disadvantaged XXXXXXXXXXXX XXXX XXXX XXXX  and I got the impression they didn't like that I am XXXX XXXX. It didn't matter that I've survived over 20 years when most small business have gone under. It didn't matter that I currently have over a XXXX dollars in purchase orders for work over the next 2 years. I asked for a status of my loan application on XX/XX/XXXX and didn't get a response until XX/XX/XXXX after I asked again. All I got was an email stating " Unfortunately we were unable to get an underwriting approval. The appraisal was already refunded. '' Never received a letter. Mr. Cooper mortgage has unfairly refused to lower my interest rate and wasted my time taking away ability to get a better rate. I owe less than a third on my house and no real reason for rejecting my loan application was given. I feel like this is another attack against a small disadvantaged XXXX XXXX. The rates won't be as low as when my application was in process so Mr. Cooper Mortgage has cost me thousands of dollars due to their discrimination against small disadvantaged businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
noticed some accounts opened that im not aware of without my consent anything reporting inaccurate or fradulent i ask that it be deleted immediately or it would be against my Fair Credt Repor rights. use my credit to support my family & myself i want to grow in life and this is really affecting 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 2022-08-11
Company: Collectibles Management Resources
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate unauthorized Fraudulent Collections Charge Offs Activity in XXXX And XXXX Credit Report This Fraudulent Activity On My Account And I Need All Removed Immediately. 

I have not supplied proof first under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, ) I presume that no proof of the alledged debt, nor therefore any such debt, exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 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 2023-05-05
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received notice of tax refund used for debt notice in the mail sent XX/XX/2023 by the Michigan treasury department for XXXX. I have not taken any action because I did not know I was being sued by XXXX XXXX I XXXX XXXX XXXX This debt is well over 20 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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: 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 remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$38000.00} ; 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 2023-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 last XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX*Balance : {$59.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$190.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: EQUIFAX, 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 am requesting that these accounts be blocked from my credit report because they do not belong to me and i believe they are the result of fraud. i have reported these accounts to the federal trade commission, which in fact is a federal law enforcement agency just like my local police which i also filed a complaint with. im also including my current utility bill, social securtiy card and my california drivers license to verify my identity. please see attached ftc report and police report to have these accounts blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
see incoming redbox of XXXX XXXX from all bureaus. All accounts are updated " with disputes '' claiming they will be removed >XXXX. 

Disputed accounts were opened in XXXX or earlier AND CAN NOT BY LAW BE POSTED UNDER ANY FILE beyond XXXX. I formally demand all bureaus compliance forthwith- to include TAPE ARCHIVES destroyed of all accounts- all sub accounts- and all associated companies TAPE ARCHIVES and other stored data also be destroyed. 

If accounts are not reporting- then I further can not be lawfully liable -even internally to ANY COMPANY - whether I have had relations in the past or not with said company. XXXX doesnt seem to understand this facet of federal CONSUMER PROTECTION law. I will dare sue XXXX XXXX and XXXX XXXX if they continue to persue debts. This also goes for XXXX and XXXX XXXX I OWE NO ONE- I WILL OWE NO ONE. CAR and house notwithstanding- I should not legally be denied for either- yet I am - based on continued UPDATED SLANDER which no company or bureau will compensate me for. Instead bureaus lower my score in retaliation.

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 2023-08-04
Company: EQUIFAX, INC.
State: CA
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I attempted to redeem cash back from my XXXX XXXX XXXX card on XX/XX/18. I unintentionally clicked to redeem uber credits thinking it was credit to be applied to my XXXX credit card. It turned out I actually redeemed over {$450.00} worth of XXXX ride credits. I immediately called Barclays/Visa to explain I wanted the points to be used to apply to my current credit card balance. 

Visa/Barclays explained to me that they could not reverse the redemption and to contact XXXX to see if they would reverse the redemption. Subsequently, I contacted XXXX through their twitter and app helpline ( they do not have a phone line for complaints ). They stated, " Sorry to hear about that. Unfortunately, Gift Cards are not refundable, returnable, transferable or redeemable for cash. Thank you for your understanding '' and did allow me to respond to further explain the situation. 

I misinterpreted " XXXX Credits '' as a credit to be applied to my credit card account. I believe the XXXX or XXXX should be held accountable to refund my reward points. I would normally not file a complaint, but {$450.00} is not pocket change to me ; especially when the company has no problem charging individuals a APR of 25.49 %.

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 2023-09-25
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX has added a debt of {$4300.00}, to my credit report which is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: IL
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief