BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: CITIBANK, N.A.
State: CO
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:
I placed an order with XXXX on XX/XX/XXXX and was sent in the incorrect item. Item was returned to XXXX with tracking confirming delivery. XXXX XXXX page confirms return received and refund processing but never actually received refund. 

Contacted Citi in XX/XX/2023 and was told to try and resolve with XXXX and that I can dispute within 6 months if not resolved. 

Contacted Citi again XX/XX/2023 and was told dispute in process. 

Contacted Citi again later XX/XX/XXXX because Citi started a fraud claim and close my card which was not what I requested. Citi representative said she fixed the issue Contacted Citi again XX/XX/XXXX because I still cant see any disputes and now Im being told none of the information I was given was correct at all and I needed to send a letter to Citi. The representative on the phone was not surprised or concerned at all that I had been repeatedly given bad information and claimed Citi Back does not guarantee the accuracy of information provided by their representatives and that I should not have trusted them. This is very disheartening to hear especially from a financial institution. 

In attachment you will find XXXX order and return page XXXX tracking page Citi card statement

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 2021-09-13
Company: CITIBANK, N.A.
State: CA
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:
I had a Credit Card with Shell Citibank Mastercard in the past. But I canceled it. 
I canceled the account and the Credit Card back in XXXX. 
I have not gotten any emails or communications from Shell Citibank showing Statements, Communications, etc. since XXXX. 
The last STATEMENT I received was back on XX/XX/XXXX. 
This would make sense to me if I canceled my Credit Card and Account back in XXXX. 

I separately had an account for XXXX XXXX XXXX with XXXX. 
I suddenly got Invoices from XXXX in XXXX and XXXX of XXXX for the monthly subscription bill. The Invoices showed it was charging the Shell Mastercard account. I reached out to XXXX and corrected the Credit Card to charge. XXXX has corrected this. 

I got a call from Shell Mastercard today, XX/XX/XXXX, saying that I have an overdue bill for something over $ XXXX as a result of starting with a {$6.00} monthly bill, that now has several LATE PAYMENT FEES on top of it that seems to be adding up. 
I requested to speak to someone that can help figure this out and they proceeded to transfer me, only to have the call hang up on me without actually speaking to someone. 

I called the Customer Service Line with Citibank and was promptly hung up on after waiting on hold for 45 minutes.

I called another Customer Service Line with Shell Citibank, and was promptly hung up on after the computer phone system was transferring me to an operator.

The Computer Phone System with CITIBANK can not find my account based on my SOCIAL SECURITY #. 
I don't know the Account Number because I DON'T HAVE AN ACCOUNT ANYMORE.

I don't physically have a CREDIT CARD. The Credit Card had an Expiration Date from many years ago.

I don't have any Numbers to link my account to and actually talk to someone on the Customer Service Line to get to the bottom of this.

I canceled my account with Shell Mastercard Citibank many years ago.

I receive NO STATEMENTS.

I receive NO EMAILS.

I called the help line, but the Phone system can not locate any records attached to my Social Security ( again, this makes sense because I canceled my account with them years ago ).

I do not know what to do at this point.

I do NOT want my Credit Score or Credit History affected by this issue.

Please advise.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: CO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-08-26
Company: Experian Information Solutions Inc.
State: NV
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: GOLDMAN SACHS BANK USA
State: FL
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:
Tips left at multiple restaurants are not showing up on my Apple Card ( XXXX ). 

I've used the card at 6 or more different restaurants in different cities and provided a tip in each case. The tip does not show up on my bill. The restaurant/waiter is being defrauded likely due to a processing error in the system they use. Other credit cards work fine. 

I've spent hours communicating with Goldman Sachs about this problem with no success. Despite a double escalation, they blame it on the restaurants. Clearly, since it's multiple restaurants this is not the case. They have refused to accept this problem or investigate it. They're innocent, I'm innocent, but the waiter or restaurant is being screwed. 

I'm guessing the problem is with the XXXX processing system, but I really have no idea, it's only a guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: MD
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 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 2023-08-26
Company: Experian Information Solutions 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-02-08
Company: Comerica
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So XXXX wanting to file a UDAAP complaint due to me ordering a card under certain provisions that it was going to be a replacement card for broken card and that it would come with the same identical card number just a new expiration date I ordered this on until XXXX of XXXX right before my bills were coming out of my direct express card and I am a recipient of SSI supplemental security income. And so I confirmed that I was ordering a replacement card for a broken card or damage card and I confirm that and then I got an email a few minutes later that said that they had in fact blocked my card and I was being issued a new one with the new number and so all my bills that I had coming up in 2 days had nowhere to take money out of. As a result I incurred {$190.00} and some change for late fees and subscription bounced payments failed of payment attempts etc. Unfortunately US direct Express does not allow for screenshots on their website so I was unable to get any screenshots for verification but the complaint type wanting to file is against US direct Express or direct Express is what they're called and then the card issuers for them are Comerica Bank. According to what I was informed I was informed what is listed below : The bank would be liable for the damages incurred due to their mistake in changing the type of card without proper notice. It is the bank 's responsibility to ensure clear and accurate communication with their customers, and any miscommunication or errors on their part can result in financial losses or inconvenience to the customer. If you've been affected by the bank 's actions, you may consider reaching out to their customer support or a higher authority such as a consumer protection agency to seek compensation for the damages. 

And to further the complication of this whole situation I got a hold of Comerica who is the corp for US direct Express and the person from the division for escalation reached out to me and she told me that this option that they have on the direct Express app is known about they know about that problem and that direct express just doesn't have a way to honor that option so like there's other people that have been going through it too as well and it's caused me a lot of heartache and a lot of setbacks and everything else. 

So to summarize this is my official complaint is that : the bank promised to reissue a card with the same original card number and then changed the card number without proper notice or consent, it could be considered a UDAAP violation Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. UDAAP regulations prohibit financial institutions from engaging in practices that are unfair, deceptive, or abusive to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been consistently trying to get these inaccurate items removed from my credit report! My family and I have been a victim to this madness for sometime now. These items are clearly in violation of the FCRA. My family and I have already been stressed and struggling due to COVID now things are becoming worse simply because we are no able to apply for credit because these inaccurate items that are being reported has been causing our scores to drag which results in constant denials for credit. Please help resolve this ISSUE. I am in the process of seeking compensation for my troubles if these issues are not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
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:
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. 

Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: OPORTUN FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I ask Opportun service representative XXXX if they can just put me on a payment plan with no more interest but they decline it. Instead threatened me on ruining my credit for XXXX. They call me XXXX times a day or even at night, I sometimes just ignore it for it is so much pressuring. I had enough problems already of having no money and now out of job but this people doesnt seemed to understand Im willing to pay but just stop the interest that is getting me more underwater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ProCollect wants us to pay {$13000.00} for an illegal debt not owed. They state they are not the company to speak to. Well, please explain why they have a debt and have hit our credit? The debt not owed on our credit report has their name on it. They are responsible and are committing extortion. XXXX does not have our debt. PROCOLLECT has their name all over it. They are in violation of FCRA and violating my Rights under TN State law and federal law. I assume the people at PROCOLLECT are illiterate. The debt has their name on it. No one else has their name on it. It states PROCOILLECT the village idiots of debt collection have their names on it.

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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I used XXXX to transfer {$1100.00} in CAPITALONE Internet Banking. At that time, I found that there was no way to receive the account in real time, because my transaction needs to be received in real time, so I cancelled it at that time, and the website showed that the cancellation was successful! And Capitalone Bank transferred my money out for {$1100.00} on XX/XX/XXXX, it was not my operation. When I found out, I called Capitalone Bank. The person who answered the phone helped me inquire and told me the result : said it was capitalone. The error of the banking system, the error of the bank, said that it would pay me the {$1100.00}, and also said that the {$1100.00} would be credited to my account within 10-45 days. It has been 3 months since I havent seen any money, but the result is the second time., The third time I called Capitalone, the bank relied on the account and did not pay the money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: AZ
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2023-11-06
Company: EQUIFAX, INC.
State: IL
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 letter from the creditor dated XX/XX/2023, confirming that the inaccuracy should be removed. However, Equifax responded to the XXXX stating that they verified the information as accurate. Based on the letter I received from XXXX, it appears to be a lie. I spoke with a Supervisor at the Equifax Call center and was told these inquiries would be removed but they are still being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
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:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation