BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: CITIBANK, N.A.
State: IL
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:
About three months ago, I received a statement from CitibankXXXX 
I was charged over {$9000.00} for items from a merchant called XXXX. 
I had never heard of XXXX and immediately called the consumer fraud line for CitibankXXXX and reported these charges as unauthorized. 

I called the " bank '' on at least four different occasions ; the customer service representative each time reassured me that the charges would be " credited back '' to my account as soon as the " fraud division '' was finished with its investigation. 

On XXXX XXXX, I received a letter marked " Notice of Adjusted Minimum Payment Due '' The adjustment was for a huge amount, {$460.00}. 
I immediately called the bank to find out about this payment. 
This is the response : they credited back {$3000.00} ( + ) but claimed I still owed {$6000.00} I asked 2 questions, for which I was unable to get the answers ) 1- If all the charges were for the same merchant, XXXX  , why were some decided to be legitimate and others not?

2- what was the criteria used to decide the legitimacy of each claim? 

I was unable to get thru to the Fraud Division " Escalation Department '' which has the authority to change these decisions. I was cut off, misdirected, hung up on and generally frustrated in my ability to to anyone with any ability to answer my questions or address my issues. 
I couldn't even talk to anyone to cancel my card.would appreciate help with this issue. 
I paid the {$460.00} this month not because I agreed with the charge but because I didn't want it to affect my credit rating. 
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 monetary relief
Consumer complaint received 2020-03-28
Company: Nelnet, 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:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not belong to me. They still are reporting this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : XXXX XXXX XXXX account : XXXX balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 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 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 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute and request the immediate removal of an unauthorized and fraudulent collection account that has recently appeared on my credit report. This account was not previously known to me, and I am deeply concerned about its sudden appearance without any valid verification. 
Account Information : XXXX XXXX XXXX XXXX PLEASE DELETE!!!! 
I have thoroughly reviewed my credit report and was alarmed to discover the presence of the aforementioned collection account, which I have never authorized or had any dealings with. This unauthorized entry has the potential to severely impact my creditworthiness and financial standing, and I am determined to rectify this situation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted this company on several occasions to have these items from from my credit report as the accounts was part of a litigation. The credit bureau have not investigated the account and sent letters within days saying that all the information was accurate. The account are from The general insurance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Alabama XXXX all on my Equifax report. XXXX credit on XXXX. XXXX XXXX  of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX I tried to purchase a XXXX XXXX card due to a promotion offering a bonus {$5.00} XXXX XXXX card with the purchase of a {$25.00} XXXX XXXX card. I tried to purchase several times and immediately after each purchase my order was automatically cancelled. 

Here is a list of my cancelled orders : Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$5.00} USD Order Date : XX/XX/XXXX Order Number : XXXX Amount : {$25.00} USD I called the XXXX customer service number listed in the order cancellation emails on XX/XX/XXXX to see if I can get unblocked from orders. They are not able to do anything and only able to tell me what is already listed in the email. 

I would like to be removed from whatever block that is preventing me from completing an order and be able to purchase a {$25.00} XXXX XXXX card whenever there is a future promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
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 need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXXXXXX

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 2023-02-12
Company: EQUIFAX, INC.
State: NY
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 submitted identity theft report with ID and they still left the identity theft on my credit report. And inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: NEW YORK COMMUNITY BANCORP 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: Didn't receive services that were advertised

Complaint:
Alantic Bank which is formally known as XXXX XXXX XXXX has inaccurately reported incorrect information on my credit report and now my credit score went from XXXX to XXXX with high credit usage. And late payments now I have already tried multiple times to close my account and contacted them about this inaccurate illegal reporting inaccurate information and reporting of information that had impacted my credit and has impacted me financial and harmful to being able to get accepted for a home for me and my family therefore not able to get a home almost homeless because of thier actions and inaccurately information they are reporting and still reporting even after I have contacted them and told them yet again to close my account because I have not agreed upon having it open I have closed the account several times already. And this company is not following any laws or regulations and going against my civil rights and withholding my funds and it's a secured account no credit it's all my own money in my account therefore by law no reason to not do what is requested by the fundee and obey my civil rights and request for closing my account that is still open without my consent against my rights and obligation to make me pay for this account that is now fraudulently reporting false information on my credit report and still active and open yet not available to use. Ignoring my messages and calls. Won't respond and opening different accounts on my credit report and under my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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:
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 The following personal information is incorrect. Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
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: Account information incorrect

Complaint:
I previously contacted TransUnion about my credit inquiries. Now, three that were business inquiries are reporting on my personal credit report, which is not supposed to happen. The inquiries are from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX XXXXXXXX ( XX/XX/XXXX ). At this time, the inquiries have not been removed as requested.

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 2023-02-13
Company: EQUIFAX, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Contemporary Information Corp
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent them my updated credit report which was investigated by XXXX that the apartments had fraudulent activity going on and I did not owe it has been removed but XXXX will not remove so me and my kids can have home again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved letter in mail on debt. I pay my bills! XXXX crefit score over 50 years. Talked to lady said that was paid two years ago and not my debt. Insurance handled. She got mad hung up. Two days later showex as collection on my credit report. Malicious and illeagal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
PAYMENT HISTORY IS INCORRECT I LAID 100 % of this loan And it's still show 30/60 days late on the CREDIT BUREAUS. Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: MO
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 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: Closed with explanation
Consumer complaint received 2019-01-21
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a collection on my credit report after applying for a mortgage. I contacted the credit bureau and they responded that it had been verified by Paramount Recovery Systems and to contact them for more information. I attempted to contact the creditor, but could not get in touch with them. I wrote a letter correspondence on XX/XX/2018 simply requesting information on the debt they said I owed. I did not get a response. I wrote a second letter and sent it certified. The tracking number was XXXX. It was received by the company on XX/XX/2018 at XXXX XXXX XXXX XXXX, TX XXXX. I still haven't received a response from them. I don't recall this debt and I'm afraid that they may have me mixed up with someone else. I'm attaching the letters for your review. 

The first address I mailed to was XXXX XXXX XXXX, XXXX . XXXX, XXXX, TX XXXX. The second letter I sent certified to XXXX XXXX XXXX, XXXX, TX XXXX. Tracking : XXXX I hope that you can help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Notice of Intent to XXXX Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The company has continuously violated The Consumers rights by reporting this inaccurate information. As of XX/XX/23 The Consumer has not received notification that The Company has deleted the above mentioned bankruptcy from its database. The Company has also not removed the accounts reporting as associated to said bankruptcy as previously requested. Listed are the accounts to be deleted : * XXXX : # XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Company is also inaccurately reporting a late payment : XXXX - Should be marked as PAID, Never Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
My Car repossessed in XX/XX/XXXX and I had filed bankruptcy back in XX/XX/XXXX and Wells Fargo would not work with me after I filed bankruptcy. so my car was repossessed in XXXX of XXXX  and I had to take out a loan to pay Wells Fargo almost {$4000.00} to get my car back and I am still trying to paid the monthly notes to them as of today ( XXXX ). 

My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo Account number # XXXX Also, I have been contacting Wells Fargo for months to get a monthly statement. I am unable to get a monthly statement online or in the mail. They refused to sent me XXXX. Wellsl Fargo will not let me make payment online or see my balance. 

This is the message, I get when I try to see my balance, statements or yearly 1099 report : You do not have any accounts available for this service. Please select another service or call XXXX for assistance. i have attached a copy of what i can only see on Wells Fargo online system. 

I am unable to see if I have over paid or if they received payment and telling they did not. PLEASE HELP ME, I NEED YOUR HEL ASAP. 

Thank you very much

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