BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/XXXX, submitted a dispute for a payment to a merchant who provided services that were not as described. Several months later, on XX/XX/XXXX, I received correspondence from Citibank ( card issuer ), that my dispute and the provisional credit had been reversed based on information from merchant. Information from merchant was provided to me, which included photos of an unknown person, and an email between the merchant 's corporate office and the physical store location. I provided a rebuttal to merchant 's response to Citibank ( card issuer ) on XX/XX/XXXX. Shortly thereafter on XX/XX/XXXX, I received a letter stating the claim was closed in merchant 's favor, despite my rebuttal including the requested information. Card issuer 's letter of XX/XX/XXXX, is continuing to claim that the information requested was not provided, including a proof of return, for which non exist, because payment was for a service, not a product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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: In progress
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CHARGED AN INQUIRY TO MY REPORT WHICH I DID NOT RECONIZED BEING IN THE EARLY MORNING HOURS ACCORDING TO MY XXXX REPORTS AND I SEE THAT IT HAS BEEN REMOVED FROM XXXX BUT STILL REMAINS ON TRANSUNION. I NEED THIS TO BE REMOVED RESPECTFULLY.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-07-18
Company: EdFinancial Services
State: IN
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:
EDFINANCIAL is reporting an open student loan account that has been paid off as of XX/XX/23. This account is hurting my credit and I have contacted the bureaus on 3 different occasions to dispute this information. The credit bureaus have been negligent to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-06
Company: EQUIFAX, INC.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
UNFAIR AND DECEPTIVE TRADE PRACTICES IN VIOLATION MGL 93a FORCED TO BUY THEIR EXTREMLY EXPANSIVE HAZARD INSURANCE AGAINST MY EXISTING.

NO COVID-19 PROVIDED ASSISTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged several NSF fees to my account and the transactions were declined by the NC State Employee Credit Union. One of the transaction was for my life insurance with the credit union. This charge was attempted twice and declined. I was charge the NSF fee both times. Can the credit union charge an NSF fee and decline the charge? 

I was also charged a NSF fee from the Company for the returned payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Choice recovery XX/XX/XXXX - XXXX. XXXX all together I owe {$1300.00} for medical bills I never knew anything about debt collection or how this works or how to remove it from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: NJ
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:
1

5 U.S.C 1681 section 602 A. States my right to privacy.

15 U.S.C 1681 section 604 A. section 2. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692c section A. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2021-07-15
Company: EQUIFAX, INC.
State: UT
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:
I have various accounts on my credit file that are reporting erroneously. I had a few collections included in my Bankruptcy that was discharged on XX/XX/20 and they are still currently updating. This is a violation of the bankruptcy stay and these accounts need to be removed from my credit file as they have affected my credit scores and continue to effect my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Barrett Motors, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I brought my XXXX XXXX XXXX mother a XXXX. We had everything set put for the payments to come from her bank account. The financial manager fired the lady who was taking the payments out every month. Payments due every two weeks. So they waited 6 weeks to notify me that the payments were late on the XXXX. This is when I got news about the Payments stop coming from the bank. It got so bad that I had to go get the car on XXXX request for a deferred period of payments until I got back on my feet due to the economy being bad for over 3 years now. After I got the XXXX back I was denied that deferred over a 8 Month period. My daughter caught the payments up to just one month if her payment wasn't denied. The financial manager XXXX XXXX stated that she would not accept any more partial payments. I was not going to the end of the year owning her money. I stated to her that I have not caught with my payments yet I have not fallen behind on any of my payments. She stated that I need to give her my bank statements, receipts for everyone I owe money to. Plus she needs my paystub also. She stated to me that I have to prove to her that I been hurting financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}

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 2020-03-11
Company: FISERV INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Your Information Full Name ( s ) XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, WA XXXX United States Physical Address ( if different ) United States Phone ( XXXX ) XXXX Email XXXX Preferred Method of Contact Email If you are submitting this complaint on behalf of someone else can you provide a signed authorization from that person? 
Yes Against Whom Are You Filing A Complaint? 


Name ( s ) XXXX Address United States Phone ( XXXX ) XXXX Who You Contacted XXXX support representatives, XXXX Are You A ( If Applicable ) Buyer Transaction Details Type of Transaction Wire/Money Transfer When did the transaction occur? 
Sun, XXXX Amount of Transaction {$2200.00} Complaint/Problem Provide a description of the problem ( remember to include : who, what, when, why and how the event transpired. ) XXXX sent {$2200.00} of my customer 's payments from my business account to an unknown third party out of state who supposedly claimed that I owed them money. There is no court orderer garnishment, no court order for money judgment and no notice either. This is amount to stealing.When I called they said someone filed a lien against my business for a money claim and in response to a debt collector they are not sending all my business transaction funds to that debt collector instead of my business bank account. How can I get the {$2200.00} back? 

Thank you. 

Can you provide copies of documents relevant to the complaint? 
Yes Have you tried to resolve your complaint?

Yes Date ( s ) of Contact XX/XX/2020, XX/XX/2020, XX/XX/2020 Method of Contact Phone Who You Contacted XXXX  representatives Phone of person you contacted ( XXXX ) XXXX Have you filed a complaint or contacted another government agency? 
No What do you think will resolve this problem for you? 
To get my {$2200.00} back in my business bank account How did you hear about XXXX? 
website Attorney Information Do you have an attorney? 
No Declaration By filling in my name and date below, I declare, under penalty of perjury under the laws of the State of Washington that the information contained in this complaint is true and accurate and the information may be used to further investigate the complaint. 


Full Name XXXX XXXX Date XX/XX/2020

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 2022-03-21
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX sold my medical information to XXXX XXXX, which I did not give my permission for them to give my information and a company can't not give another company my information because of HIPPA Laws and Breech of contract please remove from my repost immediately. I have already told them to stop reporting information on my CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$430.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Today I am taking action by filing this complaint regarding my Gap XXXXcard that is financed through Barclay 's bank. 

The first thing I noticed is that Barclay 's took over the Gap XXXXcard and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges. 

For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S 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