BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
reference : Citi ( R ) Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX My XX/XX/2022 Citi Cards bill had a {$790.00} charge on it that I did not make. It was a charge made at XXXX. As soon as I realized the problem I reported the issue to Citi Cards phone support.. In the phone conversation I stated that I did not order the product ( s ) nor did I receive them. I also stated that it appears that someone " hacked '' my Citi Card credentials and made the purchase. 

I received a rejection of my complaint, detailing that the product had been delivered to an address in south Florida and therefore Citi was not responsible. It appears that the phone support person filed this as product not received, not a fraudulent charge. I replied to this, attempting to correct the error. 
attachment -Reply to Citi rejection XXXX details what Citi found attachment -First Billing Dispute Email Reply XXXX details my reply Via USPS mail I received the last rejection stating that they were rejecting my claim because I had initially reported it as goods not delivered and not a fraud claim. 
attachment XXXX is the letter rejecting the claim on the basis of the incorrect claim type. 
attachment -Final Billing Dispute Email Reply XXXX My protest letter to the billing dispute rejection. 

I received a final letter from Citi stating that I had run out of time according to Master Card rules. 

Each communication that I have made with Citi has been in a timely manner, upon receipt of paper communication from them. This matter should have been resolved in XXXX or at least by XX/XX/XXXX. Please help.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: IN
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: Was not notified of investigation status or results

Complaint:
Hello, please update this account. I did not occur in any late payments

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm contacting you because as right now Trans Union has just allowed a Company by the name of XXXX XXXX to report to my credit reports. This account was removed from Credit reports over a year ago and I have never been contacted by XXXX XXXX with any validation information from this account. On XX/XX/2022 XXXX removed this company from my credit report. As of today trans union as has added in back on. Ive been a victim of Identity theft and have been working really hard to build my credit and this type of mistake cause me extreme distress. 

the FTC number is XXXX and the last complaint that was filing on XXXX is XXXX Please have Trans Union Promptly remove this information from my credit reports! 

Ive tried to speak with someone over the phone but they ignore my request.

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
These accounts are not mine. I am victim of identity theft nd I do not know them. Its a fraud and I am kindly asking you to make investigation and let me know the results. Also I want you to remove these unknown items.

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 2023-11-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a XXXX day time frame. Please take the time and consideration to remove the late dates and negative remarks from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within XXXX ( XXXX ) days. Im never been late on my payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I want the late dates to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: VA
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 recently got a copy of my credit report from Experian notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and Experian need to update and delete the inaccurate information they are reporting about me my name is 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 2021-06-01
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I recently attempted to refinance my home mortgage to take advantage of these low interest rates and to help reduce my monthly payment. However, after speaking with my loan officer it became apparent that a couple late mortgage payments I had in early 2020 were negatively affecting my mortgage offers and severely impacting my credit history. I was unaware at the time that I had an option to take a forebearance on my mortgage to help me avoid these impactful hits to credit. I, along with countless others at the time early in the pandemic, were not in a good place financially and that assistance could have been tremendously helpful, had it been offered to me. It is my belief that my mortgage company Suntrust ( Truist? ) should have reached out to me specifically for this relief. I spoke with several Suntrust reps on the phone to make my late payments in XXXX, XXXX, XXXX, and XXXX and I was never offered that assistance, even though I was clearly struggling to get out of the late payment cycle. I hope you are able to look into my claim and if possible find a reasonable remedy to help alleviate these late payments that are negatively impacting me to this day. Thank you for any and all of your assistance.

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 2023-11-29
Company: ACIMA CREDIT, LLC
State: GA
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 company have an account listed on my credit report as closed with a negative impact. I have reached out to the multiple times asking to prove that I have a contract with them. I haven't received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Harris & Harris, Ltd.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report 15 USC 1692 ( a ) The abusive debt collection practices contribute to the number of bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS OF INDIVIDUAL PRIVACY.

15 USC 1692B Acquisition of location information any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- *Identify themselves *NOT STATE THAT SUCH CONSUMER OWES ANY DEBT *NOT COMMUNICATE BY POST CARD *NOT USE ANY LANGUAGE OR SYMBOL ON ANY ENVELOPE OF IN THE CONTENTS OF ANY COMMUNICATION EFFECTED BY THE MAILS OR TELEGRAM THAT INDICATES THAT THE DEBT COLLECTOR IS IN THE DEBT COLLECTION BUSINESS OR THAT THE COLLECTION RELATES TO THE COLLECTION OF ANY DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXX/XX/XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXXXX/XX/XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a debit card, and 2 postcards stating that I opened a checking & savings account with XXXX XXXX XXXX XXXX  and that I authorized them not to pay overdraft fees the next day I received 2 letters stating they were closing those accounts. Then today XXXX XXXX I received an email welcoming my to TD bank, that I opened a savings and checking with them which I did not do, then a second email stating that I changed the email address on the account... I called the TD bank number to explain that I don't have any accounts with them & the woman could not really assist me as the closest branch of their bank is almost 100 miles away from my home. All accounts were opened under my married name, XXXX, and when I got divorced I went back to my maiden name. That was 7 years ago. How do I get help, how do I fix this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In XX/XX/2021 I had received an email from my credit union that XXXX XXXX  had taken a XXXX dollar payment that I didnt make! I saw two other returned payments from them! I called XXXX XXXX immediately and they told me they would do an investigation for account take over. XXXX XXXX  told me to call my credit union and tell them to return that XXXX payment and I did. I never heard back from XXXX XXXX, they never sent me any statements - no letters. And they charge off my account! Now my credit is ruined! They told me theyll delete the trade line and its still there. No one has any updates every time I call!

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 2023-11-03
Company: EQUIFAX, INC.
State: MI
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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. I have sent to all 3 credit bureaus with no response and removal of these fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: DISCOVER BANK
State: OH
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:
This account has been previously disputed multiple times and complaints filed with the CFPB with no resolution. The Discover Bank card account continues to provide different account information year after year. The various attachments to this complaint are provided by various credit bureaus to show how the payment history and account closure date and status change every year even when I dispute the information with Discover and XXXX with provided documentation. This account was paid and closed XX/XX/2021. It has continued to report different information between various credit bureaus ( XXXX, XXXX, XXXX ) which has had a severe negative effect on my ability to obtain personal loans for the continuance of my education. It has been stated on a recorded line by XXXX that it can be visually seen that the information is reporting incorrectly, but nothing will be done. This is in violation of consumer laws with the FCRA for " Treatment of inaccurate or unverifiable information. '' It states that 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. I have requested Discover to correct the account, but that has failed. At this point, the account should be removed. I paid the account in full and was informed that the account would be closed after the last payment, but it was not. There was a random {$0.00} applied to the account from Discover months later which further delayed the closure of the account and the continuation of reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: WA
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 XXXX Account # 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
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: PA
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 recent notice Multiple inquires on my credit report that were unauthorized. Most bring in XXXX XXXX XXXX XXXX. I have been previously notified by Equifax XXXX XXXX that I was a victim of Identity Theft due to Security Breaches with their respective companies. There is no surprise that my information can/could be used to attempt to receive credit or accounts. I have since filed a report with IDTheft.gov and will upload report to this complaint. I AMM respectfully requesting each respective Credit Bureau delete each unauthorized Hard Inquiry off of my consumer reports. 

My other issue with the 3 Credit Bureaus XXXX Equifax, XXXX & XXXX ) is : I am requesting the DELETE ALL the listed Charge-Off Accounts on my reports due to there are no longer any Balances owed on each respective account. 

THE LAST DATE OF ACTIVITY, THE LAST DATE OF PAYMENT, THE ACCOUNT NUMBER, THE BALANCE EVERYTHING ON THIS CREDIT ITEM ON MY CREDIT REPORT LOOKS TO BE INCORRECT. CAN YOU PLEASE DELETE THIS ITEM FROM MY CREDIT REPORTS Lastly ; There are Two ( 2 ) Listed Dismissed XXXX XXXX  Bankruptcies on my Credit Reports. Ive already disputed them directly with the credit bureau to delete them because the Court did not send this info to the Credit Bureaus Directly, and by law it should not be Reported on my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31
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: Account information incorrect

Complaint:
I am filing this complaint on Equifax because they have continuously refuse to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Equifax deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies has cause my credit score dropped 86 points in ( 1 ) month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I was notified by email that an account was opened at Bank of America. I went into a branch to make sure this account was closed and marked as fraudulent. I also contacted XXXX to place a freeze so no further bank accounts could be opened. I subsequently received additional emails concerning the opening of accounts in my name. 

On XX/XX/2023, I was notified that another account was opened at Bank of America. I called once again to have the account cancelled. 

I have received physical mail, including XXXX debit cards, about newly opened accounts in my name. 

I'm very upset that accounts have been opened when I had a freeze on my account with XXXX. I want to know why this happened and I want it prevented not only for me but for other customers.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
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:
There was a fraudulent charge placed on my credit card in XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to report the fraud. The charge was not removed until XXXX XXXX XXXX and my account was reported to the credit bureau as late for XXXX through XX/XX/XXXX. This is incorrect as there were no other charges on the account, only the fraudulent charge.

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