BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: DE
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 writing to have the following information deleted from my file. I have recently been denied for a heating system and when I pulled my credit report I noticed a account that does not belong to me reporting on my file. I also noticed about seven inquires that dont belong to me. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible so that I can get the repairs I need done without having to pay thousands of dollars that I do not currently have.

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 2021-08-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: IL
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:
In XX/XX/2022, I entered a Macys holiday contest via XXXX. The prize was {$5000.00}. In XXXX I noticed a credit to my macys account for {$5000.00}. I called customer service to inquire. The representative stated he was unsure but that credit is correct to my account. I called my banking institution as they had recently consolidated a my Macys account. They confirmed it wasnt an overpayment on their end. So I honestly thought I won the holiday contest. 
Months later I get an alert of a reverse charge by Macys. The funds that were deposited to my account was an error of their employees. With that being their error they have charged late fees as well as interest. They have also impacted my credit rating. My Macys credit is XXXX My report reflects that Ive spent XXXX XXXX of my account limit.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I asked the company to take it off because it is expired but it's still on my credit report the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing incorrect information on my credit report, I sent a certified letter back in XXXX ( certified receipt included ) I have not received a status or result of the investigation and inaccurate and unverified accounts are still being reported, I would like verified proof of the accounts being reported.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
So I sent a letter off on XX/XX/2022, to remove personal information that I did not want on my credit

report. According to the fair credit reporting act 15USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2021-10-15
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2022-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX CHILDSUPPORT XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NC
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 contacted XXXX, Equifax, & XXXX in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to XXXX, Equifax, & XXXX. 

XXXX, Equifax, & XXXX is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear Sir/Madam, I had a checking account and a secured credit card with Citi. A Citi rep later helped me cancel my checking account but did not cancel my secured credit card. 

Because Citi cancelled my checking, they deleted my Citi online account. 

I later received an email from Citi saying that I had a $ XXXX credit card bill that needed to be paid. I tried logging into Citi to see the transactions and to pay any balance. But I could not because Citi deleted my online account. 

I tried to sign up for another Citi account but I had lost my credit card. So I tried to call Citi to get a replacement card but they wont let me speak to an agent. 

Citi 's automated chat wants my SSN or debit/credit card number to proceed.

Every time I enter my SSN, it says it is not recognized.

There is no other way for me to contact Citi.

Now, Citi has added late fees and my bill is like {$100.00}. 

I need Citi to remove these late fees and issue me a new credit card.

Thank youXXXX 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 2018-05-10
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX my wife and I leased a new XXXX XXXX from XXXX XXXX, XXXX, XXXX. As part of the negotiating process, we were going to be returning a XXXX XXXX XXXX, which was a lease through XXXX XXXX as well as a XXXX XXXX that was leased through a credit union. 

I was assured throughout the process that I would be turning in the two Jeeps and that would be the end of my commitment on those two vehicles and that my new commitment would only be with the XXXX XXXX. I agreed to an " Out the door '' payment of {$2500.00}. That would include a " down payment '' and the first months ' payment on the XXXX XXXX. I signed the papers and we left. I received a check from XXXX for {$1400.00} on XX/XX/XXXX for the remaining payments. 

I reached out to XXXX XXXX in regards to my latest statement as it showed a past due balance today, XX/XX/XXXX. She advised me that its normal as the system needs to " catch up '' however, she advised that I should receive a final bill in the mail including the remaining payments and the disposition fee. I told her that I wasn't aware that there was a disposition fee associated with it as I leased another XXXX vehicle, to which she advised that since I had not leased the vehicle through XXXX, that there would be no credit of the disposition fee. 

I reached out to my salesman who advised that they are not responsible for this fee. I spoke with this person the entire time and at no point in time was I advised that I would need to go back to XXXX to avoid this disposition fee. I was advised that they would be taking back my vehicles. Had I known this would be the case, I would not have agreed to the deal as it was given to me as this is an additional cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: National Credit Systems,Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems has a debt collection with an open balance of {$2300.00} by original creditor XXXX XXXX on my XXXX credit report opened XX/XX/2022 I have never rented from XXXX XXXX  nor have I been a cosigner for anyone ever. I have been renting my current home through a private landlord for the last 4 years and after further investigation it appears that XXXX XXXX  is an entirely fraudulent company that operates out of the Philippines according to their facebook page, I believe that if they have any information substantiating this debt it is fraudulent and the fact that they rejected my credit dispute with XXXX makes them complicit in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a FREEZE and a credit report from TransUnion due to fraudulent activity. I was sent a PIN code that did NOT work in their system. They told me to keep trying. After 4 attempts I stopped. PIN never worked through their phone service. I spent over 3 hours on the phone trying to get them to allow me access over the phone. Additionally, they would NOT change, add notes or take any information regarding the fraudulent inquiry on my credit report. First, I spoke to an unknown agent who told me to call Consumer Relations. I asked for her to transfer me and she would NOT transfer me. When I called the number she gave me 4 times, the PIN TransUnion sent me in the letter did not give me access. I called again and when I asked agent for their name they hung up. I called again spoke to Agent XXXX XXXX who said " the PIN works, just tell it to the agent ''. I have always been told and reminded to NEVER give a PIN to someone. I had to tell him the PIN. He said, " it works '' I explained the PIN did NOT work when I punched it in phone system to have access to my account. He told me he could NOT help me with PIN that it worked when I would tell an agent. Regarding fraudulent activity he could not help me. He direct me to file a notice with FTC to remove fraud activity on my credit report. I called back again to address the PIN that TransUnion sent me that does NOT work in their system. I spoke to Agent XXXX XXXX told me to call the police and keep calling back to see if my PIN worked in the phone 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 explanation
Consumer complaint received 2023-05-31
Company: Bull City Financial Solutions, 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 contacted Bull City Financial about a collection of XXXX on my credit report since 2018 for XXXX XXXX XXXX. I have never had any dealing with this company and never lived at the address listed. Bull City Financial associate was rude, nasty and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America Closed My credit card without consent. I did not authorize my credit card to close. Bank of America then reported late payments to the credit bureaus and I have never had a late or delinquent payment on my account. They told me they will correct the issue but only corrected the issue with XXXX and XXXX. XXXX is still showing delinquent and late payments. I need this issue fix asap. This is such a huge inconvenience and it is preventing me from buying a home.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-06-03
Company: NAVY FEDERAL CREDIT UNION
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was half sleep and a woman who was rushing me all day to do this money thing kept blowing up my phone asked for my info and i wasnt paying attention to what she said but i gave her the password and last 4 of my social and my dob and I thought I could trust her but then i wake up about 30 secs layer with her not to be found and me locked out of my account. After i tried all night to grab the XXXX dollars from my debit card but it didnt work bc the card isnt available anymore they most likely have applied for loans within my account when i dont apply for any benefits or loans within my bank and its Navy fed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31
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:
after reviewing my consumer report, I noticed that there were in accurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore, they never ask for my permission to furnish this information further they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, its got me from being able to receive more business credit. Also, it stopped me from being able to communicate with family members and friends, and it also damages, my overall reputation with lending institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I previously disputed a collection from XXXX XXXX  appearing on all credit reports the collection company XXXX  responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-31
Company: EQUIFAX, INC.
State: TX
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 ACCT # 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