BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-20
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have two cards with Citibank - one is closed the other is still open. Last fall the card 's limit was reduced without notice after I made a large payment on the card. Today I got another email that the limit was reduced as I'm paying the balance on the open card down. I paid a significant amount down on this card last fall, and they cut my available balance to within {$50.00} of the current balance! 

Adding insult to injury is the fact I got behind on the closed card but worked very hard to stay current on this one ; within DAYS of me getting current they pulled this stunt on me! My family sacrificed in order to pay these people and I'm thanked with games like this? How is this legal? 

This continues to damage my credit score as I'm trying to dig out from more than six months of unemployment in the middle of a pandemic. Aren't they supposed to give notice before my limit gets reduced like this? 

Once the balance is paid off I plan on chopping this card up and sending it back to them because Citi has been AWFUL to deal with. They have some kind of robot reducing my available balance, thus making sure that it's impossible to dig out of this hole. 

I have attempted to get satisfaction from Citibank in the past and they are positively USELESS! They are the worst bank I've ever had to deal with.

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 2019-03-06
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i called XXXX XXXX today and i was told that i owed XXXX and they put on my credit report i owed XXXX and i dont and the account is closed and took a lose and now im told they sent it to a collection agency called XXXX phone number XXXX and they still haven't taken it off my credit report and the solclution is for them to remove it also my sister never order anything for XXXX, on XX/XX/2017 and she never order anything and my sister got a bill yesterday for XXXX, for something she never ordered and the bill was for XXXX that she doesn't owe help us please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I received a notification of a {$5000.00} withdrawal from my checking account into CoinBase, I contacted CoinBase showing concern as I didnt process this transaction. However very shortly after found out my younger sibling processed this which I was okay with since it was someone I was familiar with. There was no customer support so when I filled out their online information CoinBase immediately locked me out of my account and stopped me from having access to my funds! There was no fraudulent activity whatsoever however coin base still went ahead and blocked access and restricted my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there are open accounts reporting, XXXX XXXX, XXXX, XXXX XXXX I have never had these accounts and these accounts is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.

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 2023-11-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unfroze my credit report online through Equifax on XX/XX/XXXX of 2023. Applied for a private XXXXXXXX XXXX XXXX on XX/XX/XXXX of 2023 and was given a message that my credit report was still frozen. I called XXXX and they told me that they had tried to run my report through Equifax and that it was still coming back as frozen. When unfreezing a credit report online, it should've unfrozen my report within an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2019-03-12
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Bridgecrest Acceptance Corporation
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 status incorrect

Complaint:
I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/20 i received a notification from Chime bank that my account was in the negative for over {$200.00}. I was surprised because i only had {$13.00} to my name because i was unemployed. When i checked my account a hotel i was staying at charged me an additional {$180.00}. No explanation whatsover. I had paid up to the date i was supposed to check out. I wasn't supposed to check out until XXXX i actually left 3 hours early. The room was left immaculate I even took photos. Now the only card the card the hotel had on file was a temporary card because i had lost mine. I never gave them my new card info. Yet somehow they were able to charge my card for {$180.00}. How was this possible? I only had {$13.00} to my name. How did Chime pay this? I complained they sent me a dispute form which i filled out and returned that same day. For over a month i never heard back from chime. This past Wednesday my new employer put my direct deposit into my account and chime took it to cover the {$180.00} still leaving me - {$9.00} in my account. Ive called them and emailed them everyday all day and all they keep saying is that theyre working on it but they have up to 90 days to return the money. Thats XXXX, it took them seconds to take my money why do i have to wait 90 days to get it back. I want my {$190.00} back. A friend gave me this site so thst i can get help. He says you helped him with chime also. I dont understand how they paid that money when i only had {$13.00}. Its like they did it on purpose. Please any help would be greatly appreciated. My name is XXXX XXXX, the merchant was XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX Florida. My email is XXXX and my phone number is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a notice from my new monitoring service regarding an account from CONVERGENT OUTSOURCING in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC. The reporting debt of {$180.00} is a result of identity theft and does not belong to me .I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.

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 2022-08-06
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:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$560.00}

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 2019-03-12
Company: Experian Information Solutions 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:
After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX XXXX in the amount of {$700.00} and XXXX XXXX XXXX XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and it should be 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 non-monetary relief
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received my XXXX  report that they have deleted from my account the negative collection report from XXXX XXXX XXXX. They keep reporting it every month. I have disputed with all three credit companies and I can not get Transunion and XXXX  to follow suit. If you look at my credit report there is no derogatory information except this company who insists on calling me, emailing me, threatening me with lawsuits, sending letters and even calling my job on a couple of occasions

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 2019-03-12
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out a validation letter on XX/XX/XXXX Convergent received the letter XX/XX/XXXX. I have been trying to validate this debt with Convergent Collection Company asking to Validate this XXXX debt account # XXXX they claim is mine. In my Affidavit to Convergent I asked to send me a wet Ink copy of a sign agreement naming XXXX XXXX as the owner of this debt. I also asked Convergent Collection to send me a copy of the Bill of Sale to show they have the right to collect this debt naming XXXX XXXX which gives Convergent the right to collect this Debt. 

I also stated in my Affidavit that if Convergent has first hand knowledge of this debt they should be able to product these documents. Convergent sent be a copy of a bill with a letter. The FTC states a copy of a bill does not validate a debt. IIn Addition if you do not have a bill of sale naming the person owning this debt you have No Right collecting on this debt. There are some inaccuracies and Red Flag with this debt. Convergent admit some inaccuracies in their letter, but continues to report this debt and damage our abilities to secure a loan. Convergent in their letter stated " their company has not sufficient time to complete an investigation into the inaccuracy and a corrected copy ''. Under the FDCPA they have 30 days to verify this debt again there are some serious red flags with this debt. In closing they have not proved the debt is mine, they have not completed the dispute process in the 30 days. They have admitted to inaccuracies, but continues to report this debt as accurate. 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 explanation
Consumer complaint received 2021-05-19
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: Old information reappears or never goes away

Complaint:
XXXX XXXX  IS REPORTING A SCORE FOR TRANSUNION AND XXXX IS REPORTING XXXX XXXX XXXX AND XXXX XXXX IS RRPORTING XXXX. BOTH OF THESE ACCOUNTS HAVE THE SAME CREDIT ACCOUNTS. THEY ARE NOT CONSISTENT. IT APPEARS THAT THESE ACCOUNTS SCORES ARE FRAUDULENT AND THE BLANTENT DISPARITIES

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 2018-03-05
Company: NCC Business Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NCC Business Service for amount of {$4000.00}. I have sent NCC Business Services a debt validation on or about XX/XX/2017. NCC Business Service has not responded to my debt validation and has not removed them-self from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
My name is XXXX XXXX, I always make my payments on time even during the pandemic, even when I struggle financially. I understand the importance of maintaining a good credit score and report, I understand that it's my reputation and my name and allows me to act in the business field, and take actions that are the right ones for me. Obligations that may lead me to results that can develop my business or even purchase houses and use my rights to take the right actions I wish to.BMW Financials has made a mistake in reporting a late payment- they had a mistake with charging the wrong account- an account that was closed, the payment has been returned and there was no notification about a payment that has been returned, nor notified us that they intend to report to the credit Bureau on a late payment! 
I called BMW Financial right away, since I know we made this payment already! and found out, that by accident they tried to charge an account that was never used before for this car- XXXX XXXX XXXX account, which was closed due to a fraud claim in the past. We logged during XX/XX/XXXX different times, in different days and there was no payment due for XXXX. XX/XX/XXXX we noticed that 2 payments had to be made, we called them and they claimed that no payment was processed during XXXX and notified us that the payment has been returned. 
I asked BMW : why no one sent us an email, called, and why is did not appear on their website that the payment was due? They claimed that they called- when I asked to which phone number, they said that they don't have that information. 
They accidentally charged the wrong bank account and now, it affected my credit and XXXX XXXX XXXX credit. 
It seems like the are careless about reporting and negligently reporting late payments of the clients. After almost 3 years of payment that has been paid by an autopay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Harris & Harris, Ltd.
State: GA
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Shellpoint Partners, LLC
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 status incorrect

Complaint:
Kindly remove all late payments on my account. I have paid my balance and current. This is affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: WELLS FARGO & COMPANY
State: ND
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is in reference to a previous complaint # XXXX. Wells Fargo did not answer this complaint correctly. I made the payment on the XX/XX/XXXX on line. It said payment was due by XX/XX/XXXX. According to them, the billing cycle was not completed even though the payment said " due ''. They said I was late making the payment. I was not. The website said it was due. I made the payment. I called Wells Fargo two days ago and they still have not returned my call. There is a website problem and they have yet to address 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
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX & I'm a victim of identity theft. I want the accounts & inquiries that I did not authorize to be deleted from my credit report immediately. I have reported the theft of my identity to the federal trade commission. I have enclosed copies of everything. Please delete the accounts & inquiries immediately, please!

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