BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
Company: Duncan Solutions, lnc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX  I mailed proof that I paid XXXX XXXX  violations that I owed them. I mailed it to PAM ( Professional Account Management LLC ) at XXXX XXXX XXXX, XXXX NY. I then gave them a month to investigate and called PAM on XX/XX/. They said that they received my proof ( receipts that I paid XXXX, who refused to let PAM know that I paid them ), and PAM stated XXXX has a 30 day grace period : since they received the notice on XX/XX/XXXX  they have until XX/XX/XXXX  to respond. The PAM representative said to call back on XX/XX/XXXX  and if it is not resolved to speak to a supervisor. I called on XX/XX/XXXX  and was told that all supervisors are in a meeting. To this date I have been calling to speak to supervisors and I keep being told that one will call me back and no one has. I keep telling them that this is urgent because its preventing me from renewing my NY registrationXXXX I work for XXXX XXXX and have kids that I drop off and pick up from school. so it is imperative that this is resolved. It is not fair that I paid XXXX and theyre not responding. Once this is cleared I can renew my registration but no one is making an effort to rectify this : Since no one is contacting me from PAM Im reaching out to XXXX  with the hopes that this can be resolved ASAP. This is for ticket # 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 2023-04-17
Company: EQUIFAX, INC.
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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
On XX/XX/XXXX, my Citibank Visa anywhere Costco card was fraudulently charged for $ XXXX. I reported the fraud charge when the charge showed up on the Citi cards App on XX/XX/XXXX. Initially thought i had the credit card with me But after the fraudulent charge showed on the App, i realized that i had lost the card. 
Citi bank denied the fraud ( XXXX called me on XX/XX/XXXX ) & told me to contact the merchant. I told her that i don't recognize the merchant or the charge so how can i contact the merchant? 
Call the Citi bank the next day & talked to XXXX XXXX XXXX ( supervisor ) who advised me on XX/XX/XXXX to open a dispute case - XXXX PST & asked me to file a police report and open a dispute case. XXXX looked up the merchant and there is no telephone listed for the merchant & gave me the address of the merchant which was listed. 
I filed the police report # XXXX at XXXX XXXX XXXX XXXX Tel # XXXX ) and opened a dispute case # XXXX with Citi bank. Police Report details were provided to Citi bank representative XXXX on XX/XX/XXXX at XXXX PST. I was told that it can take two billing cycles or more to resolve the dispute case & to call/look for update on Citi cards App after two months. 
Meanwhile I paid the credit card bills which included the $ XXXX charge. 
I called them for dispute status on XX/XX/XXXX ( talked to XXXX, XXXX, XXXX XXXX and was told that it would take another 2 to 4 weeks. 
Called the Citi Bank XXXX XX/XX/XXXX XXXX PST & talked to XXXX XXXX Dispute Dept ) & explained the whole scenario and was told it would take another 2 weeks. 
Called Citi bank on XX/XX/XXXX XXXX PST, talked with XXXX XXXX Dispute dept ) and XXXX Supervisor and explained the whole scenario. 
Received an email from Citi bank on XX/XX/XXXX that said that they can not open a dispute for this transaction as its more than 60 days old. 
Called Citi bank on XX/XX/XXXX XXXX PST- requested the case be escalated & talked to XXXX ( manager ) and explained the case again. She said that she would ask the XXXX who is the investigator on the case to call me on Tuesday XX/XX/XXXX. But i have not received any communication from the investigator as of today XX/XX/XXXX. 
I have run out of options with Citi bank and would like to file a formal compliant with CFPB to get this resolved.

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 2023-04-17
Company: Genesis FS Card Services, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Destiny XXXX ( Genesis FS Card Services ) has been sending bills for a card I never opened. The initial charge on the bill appears to be a processing fee for opening the account - bill amount with fees now {$87.00}. I searched the web and this scam appears to be common. I called to ask them to close the account and they claim that they are reporting it to their fraud department. I have my doubts. I do not want non-payment on this account to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: SC
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 accounts 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 XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I contacted Equifax and asked them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically that the creditor XXXX, XXXXprovide proof of alleged original application bearing my signature and they have not been able to provide such proof. This is a violation of the Fair Credit Reporting Act and the disputed items may not appear on my credit report if it cant be supported by evidence or proof. 

I have reviewed my consumer report from Equifax and noticed that I have seeveral late payments reporting on my bureau, that I was never late for on Consumer Reporting Agency and have assumed a vital role and Maximum Accuracy. I have never been late on payments for XXXX XXXX XXXX account # XXXX. Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided, I demand that payment be updated to on time as it was never late. 

To XXXX XXXX XXXX. I have been in dispute since inception of this account. Yet they continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap transunion 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 2023-04-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband is XXXX XXXXl and someone has been fraudulently accessing his account and sending themselves money via XXXX. I called on XX/XX/XXXX and was told his online access would be frozen. When I saw more money was stolen that night, I called on XX/XX/XXXX and was told they would not speak to me without power of attorney since it was stolen from his personal brokerage account. The unauthorized person took money from our joint account on XX/XX/XXXX so I called back on XX/XX/XXXX. After my debit card was cancelled, the checking account number changed, and being told I could not get checks because they had an old address, I was told the person who has hacked his account still maintained all access since they can't do anything unless he calls himself. ( Again, he is XXXX XXXX ). 

When I called back on XX/XX/XXXX to get the account number and find out how to restore my online access since that was cancelled as well ( even though the criminal 's access was not! ), the man began investigating the fraud again instead. when I told him that had been done and I just wanted my account number, he told me he had to investigate. He was asking me a list of questions that no one asked when I tried to report the fraud the day before. 

I can not access my checking account. My husband 's direct deposit will not be able to go through. Meanwhile, this hacker/criminal/unauthorized person XXXX themselves more money last night.

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 2023-04-17
Company: Resurgent Capital Services L.P.
State: NJ
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 disputed this account which I don't recognize in my credit report. They offer no explanation about the debt. I never had a signed contract with this company they are violating my consumer rights by demanding I pay something I know nothing about .I asked about in my report to XXXX to get the company to verify more information and they failed to do so and stated I can not dispute this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My accounts with Capital One were compromised in XXXX of last year. I have checking and savings as well as a credit card. Everything was cleared up and the money has been replaced. I just want to close my account and get my money back. I have verified the account several times with my ID and they keep telling me to go to the branch, which there are none of in my area. I just want to close my accounts and get my {$16000.00} back. I have been getting the runaround from these people for the last several months. I have submitted my id several times and yet they keep telling me to go to their nonexistent branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I am financing a vehicle and I agreed to do an auto-pay so that the company charges my account the {$390.00} every month. 
I am in the market to buy a house and a credit specialist asked me, " Why I'm not making my car payments ''? 
My car company did not process certain payments and instead of contacting me about it, they just threw it on to my credit. 
Even though this is an error on their part, I was told that even if I pay the amounts that they did not process, they can not remove it from my credit.

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 2023-04-17
Company: EQUIFAX, INC.
State: TN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX5 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-13
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:
My name is XXXX XXXX, and I am sending this request in response to a letter I received from Experian Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Experian Credit Bureau must investigate and delete these fraudulent Accounts XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX Balance {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On the first attempt, I tried to correct a matter of accurate information in the credit report. The issue at hand was of a paid debt, not showing in the credit report accurately on the date of settlement. There are multiple charge offs on multiple months and years when they should only be one on the initial date of write off. The credit agency Equifax are not taking the steps to eliminate these inaccuracies on their most recent, resolved, completed dispute investigation. I provided documentation for every inadequacy in my report for specific creditor. The first charge-off was on XX/XX/XXXX. They are charge-offs every month between XX/XX/XXXX and XX/XX/XXXX on every month. they are also not marking the last day of payment as paid to agree on XX/XX/XXXX instead, it is marked as a charge off. This does not explain or indicate why the creditor or the agency hadto mark charge off multiple times which is damaging my credit, worthiness, and any chance of me getting a Home or obtaining credit. there should only be one charge off date because this is the date the creditor written off the amount I owed. Since then I made a settlement with the creditor, and I should have a chance to repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/XXXX ) 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 explanation