BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Approximately 3 weeks ago, I received a replacement credit card from XXXX XXXX XXXX   Mastercard. Since then, I have called the 877 number on the card several times and spent significant time in the hold queue. When I did get to a live person, I was told that I would have to go to the website to have my questions answered. 

When I visited the website, I found that I would have to create a login ID and password. Since these questions were of a personal nature, I knew that the website would be unable to provide answers and refused to register. 

Upon receiving the card, the page the card was attached to stated, This card replaces your existing card. Please destroy your old card, as it is no longer valid. On the card itself, it states that I have been a member since 2012. 

Since this is my replacement card for XXXX XXXX XXXX Mastercard Where is my original XXXX XXXX XXXX Mastercard as I never had received this card under the listed or any account number? 
How could I have been a member since 2012, having never been issued XXXX XXXX XXXX Mastercard before? 
If a XXXX XXXX XXXX Mastercard was issued to me, where was it mailed to? 
Was the XXXX XXXX XXXX Mastercard ever used? 
Who used the XXXX XXXX XXXX Mastercard? 
What credit bureau do you report this to as I have never seen it listed on any of the 3 major bureaus? 
How is the XXXX XXXX XXXX Mastercard listed on my credit report? 
What account number is the XXXX XXXX XXXX Mastercard reported under? 
Why was the XXXX XXXX XXXX Mastercard sent to me when I never requested it? 
The literature with the XXXXXXXX XXXX XXXX Mastercard indicates that it can be used at Sears and XXXX. Is the XXXX XXXX XXXX Mastercard affiliated with Sears? 
If affiliated with Sears, is my Sears card still valid? 

At any rate, I did not request this card and do not want it. 
Please cancel the XXXX XXXX XXXX Mastercard and have the credit bureau note as the reason Unsolicited card canceled by consumer. 
Provide written confirmation that the XXXX XXXX XXXX Mastercard has been cancelled and the reason listed as above as well as responding to the specific questions above.

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 2021-10-19
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2021 XXXX XXXX  reported to the credit bureau that we were delinquent on our XXXX payment. We made our XXXX payment by sending in 2 separate payments in XXXX. In XXXX we decided to refinance with another company. I had already sent in one payment towards XXXX payment which they reported they received on XX/XX/XXXX. We did a stop payment on the 2nd payment that was sent in on the XXXX of XXXX. I then called on XX/XX/XXXX to have our first XXXX payment refunded because we found out wed be closing on our new loan in XXXX and wouldnt need to make the XXXX payment. A few days later we received the refund. I received a letter in the mail stating we were late for XXXX and so I inquired. I looked into my account and noticed instead of them refunding my XX/XX/XXXX payment, they refunded my XX/XX/XXXX payment causing their system to make it look like we hadnt paid our XXXX mortgage. This resulted in a late fee and then requiring us to pay for XXXX, which had already been paid. I contacted XXXX mortgage on XX/XX/XXXX to dispute this action because we had done everything correct. I sat arguing on the phone with someone for 2 hours trying to explain how they had done everything wrong on their end until I finally asked for a supervisor. The supervisor, XXXX XXXX asked that we send in proof of payments, which I sent to her via email on XX/XX/XXXX. I have yet to hear anything back on a resolution. I have emailed 4 times for an update. Our loan was paid off on XX/XX/XXXX yet shows us as late on XXXX payment. I am beyond frustrated with this company and just want things cleared up!

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 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After several attempts to TransUnion, XXXX, and XXXX to remove these fraudulent addresses they still havent done so for years now! these are the following fraudulent addresses as follows : XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC 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 2019-06-30
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 would like these unauthorized and unknown accounts off my credit file, or to show physical certified cause of why you and your company ( Experian ) is still reporting these fraudulent accounts. Please remove these accounts, 1 ) XXXX XXXX XXXX {$520.00} 2 ) XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$1500.00} 4l 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 2016-09-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am a victim of identity theft. Upon submitting my identity theft packet and police report on XX/XX/2016 to Equifax, they have failed to block the fraudulent information and comply with the Fair Credit Reporting Act. XXXX and XXXX have both blocked the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Equifax is still reporting fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
have a DIRECT EXPRESS card for deposit of my Social Security checks. In XX/XX/2019, I was CHARGED {$140.00} for a TOOTH WHITENNG KIT that I never ordered nor received. I was given a tracking # by Direct Express to check with local post office and they concurred that a package had been delivered to me back in XXXX, 2019 and left on porch in rocking chair. I NEVER received the package they are referring to. I am XXXX years old and rely on XXXX. just to pay my monthly expenses. I would never have ordered such an outrageous item! I complained to Direct Express and they gave me a " temporary '' credit while they investigated, only to rescind that credit 10 days later! I have been fighting this charge since XXXX to no avail. This week I received a letter from Direct Express stating " we are pleased to inform you that our investigation has concluded and your case is now closed. The {$140.00} " provisional '' credit dated XX/XX/2019 will remain as a PERMANENT credit on your card account. no such credit appeared on my card and my balance is {$.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Credit Management Alleged account has been disputed many times over, numerous demand for verification ignored, refuse to comply with federal laws, unlawfully report disputed unverified alleged account to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: ND
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My private student loan account has been current with Navy Federal Credit Union Since XXXX. Some of the time until now my account has been in repayment, and for some of that time my account has been in forbearance due to financial hardship and my inability to make the monthly payments with my other debt commitments. I have submitted 4 consecutive forbearance requests during this time, all of which were approved. In early XX/XX/XXXX, I submitted another forbearance request which was denied by my loan servicer. I was told that the reasoning for my denial was that I am required to make 2 full months forth of payments before being able to submit another forbearance request. With this I have 2 problems : 1. ) If I were able to make 2 months worth of payments, I would not need to apply for forbearance. 2. ) On XX/XX/XXXX a representative from the XXXX XXXX Student Loan Collections department informed me that the rule for having to make 2 payments in-between every forbearance request was newly instated in XXXX of XXXX. I received no notice for the change in policy and could not have possibly prepared myself financially for their change in policy. The intuition offers no additional financial assistance ( ie. income driven repayment options ) that can assist borrowers with keeping their accounts current. Although I offered to pay half of my monthly payment at this time ( as this is what I can afford ) I was informed over the phone that a half payment is equal to no payment and will still result in consecutive negative reports to the three major credit institutions. They suggested that I attempt to refinance the loan, but that can not be done until the account is current. Additionally by making negative reports against my credit during my time of financial hardship, they are effectively sabotaging any chance I would have to be approved for a refinancing program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: IN
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 to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check we wrote was stolen from a gift box at a wedding and was cashed. It was endorsed as make payable to another party, XXXX XXXX. 

Seven other people were affected by the same fraud but all of them had their funds returned to them within four weeks by their banks according to information I have. 

It was check # XXXX for {$300.00} written on XX/XX/XXXX and cleared my bank on XX/XX/XXXX. Due to honeymoon of the bride and groom, the first knowledge of the stolen checks was documented by a police report dated XX/XX/XXXX. This report was provided to my bank when a copy was made available to me from the police department on XX/XX/XXXX. I was notified somewhere between XX/XX/XXXX and XX/XX/XXXX of this fraud, but no longer have the detail of when I contacted Citizens and received information on how to file the fraud claim with them. 

Citizens responded with a letter dated XX/XX/XXXX, that they had received my claim and assigned it claim number : XXXX XXXX XXXX XXXX. 

I have contacted the Citizens Bank fraud department listed on this letter at XXXX at least ten times in the ensuing time for an update. The response is always the same ; " We have sent an email to the bank that cashed the check, XXXX XXXX, and are awaiting a reply. '' I have also reported this as advised by the fraud department agent to ; XXXX but have only received the same response that they are waiting to hear from the other bank. 

Now, in XX/XX/XXXX, it has now been 16 months and there is no promised path by Citizens Bank for resolution. 

If this were a more substantial amount, say for a rent payment, a client could be in serious trouble. 

Thank-you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am the original owner of the vehicle which was sold to a private party who obviously needed clear title to register the vehicle. 

Made inquiry with Wells Fargo as to the most efficient speedy way to be able to issue clear title to the new owner - was told they " would not '' accept cash payment for payoff at a Wells Fargo branch - and - was also told that if a wire transfer was done the funds had to come from the account holder 's bank account no other account -- I am on the road for my job so this process made it extremely difficult Went through the " hoops '' had to have funds transferred by my wife to my account so we could generate the wire for payoff before we could even accept a cash payment from the buyer - So today we executed a wire transfer directly to Wells Fargo Bank ( Wells Fargo Auto ) and now we are being told it will probably not hit the loan account for 3 to 4 days and they had told us we could request a expedited lien release for the new buyer to register the vehicle - The last person we just spoke with to discuss those questions " hung up on us '' ( name was XXXX ) - we tried multiple times to follow up on this issue today and held on the phone 34 minutes and then were disconnected Seems like the lack of customer service and issues at Wells Fargo have not changed - however my ultimate complaint as a consumer is the fact they made it SO difficult to payoff a loan either in person or by any other method - a creditor should accept funds from " anyone '' for payoff - what if the acct holder is no longer living or not in the country or otherwise unavailable -- After the run around we got to further be " hung up on '' is outrageous behavior!! Thought you should know

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 2023-04-06
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: Account information incorrect

Complaint:
To XXXX, XXXX, Transunion, XXXX, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to XXXX to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, Transunion, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is 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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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