BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I charged a large amount to pay for construction on my home on XXXX XXXX, 2019. I had called my credit card company to increase my credit ceiling which I was advised was {$62000.00}. The credit charge was for {$22000.00}. I immediately wrote a check, from my Home Equity Line, after I confirmed what address to send it to Citicard at. I checked frequently and although I called once to find out if the check was " in the system '' this could not be confirmed. I finally noted that the check was debited to my bank on XXXX XXXX, 2019 and confirmed on reviewing my Citi Card account that the payment had been noted and credited on XX/XX/XXXX. On Sunday XX/XX/XXXX I attempted to pay for theater tickets costing {$400.00} dollars. The charge did not go through. I called Citicard that night and was advised that i had exceeded my credit limit. When I ponted out that CitiCard had credited me {>= $1,000,000} on XX/XX/XXXX, I was informed that because this payment had come from a different account than I typically use, it had been flagged and I would not be credited for 7-10 business days. 
I made 2 additional calls to Citi Bank both by phone and chat. I spent over 3 hours on these various attempts to resolve the issue. I spoke to one supervisor who apologised for the delay but could not reverse it on Tuesday XX/XX/XXXX. 
I spoke to the first agent, XXXX, identification code XXXX on Sunday XX/XX/XXXX initially. I asked CitiCard to file a complaint on a chat line on Monday or Tuesday XX/XX/XXXX or XXXX. 
The check was finally fully credited on Wed XX/XX/XXXX. 
I find it unacceptable for a bank to not inform you by text, email or phone that your credit limit has been reached. I get numerous fraud alerts from CitiCard and I would expect exceeding one 's credit limit would likewise be able to communicqted. 
Even though I spoke with an agent about my large purchase and confirmed that I would be mailing a check, the agent never mentioned that the check would take 16 days to be credited to my account. It was written on XX/XX/XXXX and credited on XX/XX/XXXX. In addition, no one had the courtesy to call, email or text that their would be a 7 to 10 business day delay until this large check would be taken off " hold '' as they called this delay in crediting my account. 
The lack of transparency and the complete disregard of the customers concerns is deeply distressing. The inefficiency and inability to resolve the issue is a waste of my time and energy as well as Citicards. Please look into this issue as I am sure it is affecting other customers as well, Thank you for 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 2019-11-09
Company: EQUIFAX, 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:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
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:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.

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 2023-06-16
Company: Experian Information Solutions Inc.
State: CA
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  Account number XXXX with XXXX XXXX a debt collector, 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 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 2023-04-11
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: SC
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:
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX  XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, JPMCB - AUTO FINANCE add a hard inquiriy on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Experian Information Solutions Inc.
State: VA
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:
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, Experian and XXXX removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.

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 2023-02-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried calling the company numerous times, in which, there should be a record of. The company is refusing to close my checking account.

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 2023-05-22
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I signed up and enrolled for the {$100.00} savings account bonus from Marcus on XX/XX/2023. To receive the bonus, I had to deposit {$10000.00} or more and leave the money in the account until XX/XX/2023 with a payout on XX/XX/2023. I initiated a {$10000.00} transfer on XX/XX/2023 after enrolling and did not touch it. 

After not seeing the {$100.00} deposited on XX/XX/2023 I reached out to their support and was told " Thank you for your patience. Upon checking, I see that request has been submitted for the {$100.00} Cash Bonus. Rest assure {$100.00} cash bonus will be credited to your account. I would request you to please wait. '' I have reached out 3 times not to support for an update and each time I receive a mixed message response with no apparent update on the bonus. 

Best, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 portfolio recovery collections accounts that were XXXX XXXX  accounts that I had removed months ago after disputing them Because they were not my accounts and recently they were added back to my credit and Ive talked to portfolio recovery and let them know that they were not my accounts.

One account is in the amount of {$550.00} XXXX XXXX The second XXXX XXXX is {$370.00} Its also a XXXX XXXX XXXX   account in the amount of {$1700.00} in which Ive been disputing for years and a XXXX   department store account in the amount of {$380.00}.

These accounts were opened by someone else using my info around the same times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a credit card through Wells Fargo at XXXX XXXX in XX/XX/XXXX to take advantage of a promotional payment offer. I was approved and made my payments on time until the balance was {$0.00}. My account was inactive from XXXX or XX/XX/XXXX until XX/XX/XXXX. 

In XX/XX/XXXX, I went to XXXX XXXX for a routine check of my credit. While on the app, I noticed the Wells Fargo store card was reported as closed by consumer. I was nervous as I thought I was a victim of identity theft, so I contacted Wells Fargo by phone to discuss the account closure issue. The phone rep explained that my account was closed by the bank for inactivity. While on the call, I retrieved the XXXX XXXX XXXX agreement ( revision XXXX ) and did not find any clause authorizing Wells Fargo to close the account for cardholder inactivity. I mentioned this to the rep ; she informed me she would escalate my issue to the Executive Department who would review my situation and notify me by mail of their decision. 

One week later, I received a letter from Wells Fargo saying they rejected my request to have the account reopened. I went to the Wells Fargo website to retrieve the credit card agreement and noticed that Wells Fargo made a new revision of their agreement ( revision XXXX ). 

This has negatively impacted my credit in that my credit utilization percentage was increased by this decision. Wells Fargo did not send any notices informing me the account would be closed due to inactivity. I believe Wells Fargo has violated the terms of their credit card agreement with me.

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: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I attempted to cancel an EFT from my other linked account to this account. They not only refused to cancel the EFT, but now are keeping the dollar transferred into the account, in order to close this account. So, they caused me to overdraft another account, and now keeping the money transferred because I requested to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: PARSON BISHOP SERVICES, 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 status incorrect

Complaint:
Parson-Bishop Services , Inc. put a derogatory mark on my credit report saying that I have an outstanding, unpaid balance with XXXX XXXX for {$490.00} ( was co-pay for XXXX XXXX  XXXX. I had paid this by check back in XXXX. My check was cashed and I have the images of the cashed check. 
Also, I tried to dispute it with XXXX  and they make it impossible to dispute anything on their web site. They go through a few steps to verify previous addresses, phone numbers, etc to make sure it is really you, then they tell you that you could not be verified and are not allowed to file the dispute unless you sign up for an account with them. This should be illegal. I was able to file a dispute on XXXX   web site with no problems and they didnt try pulling any tricks. 
Furthermore, I have contacted XXXX at XXXXXXXX XXXX and she confirmed that I did indeed pay {$490.00} in XXXX and that I indeed was paid completely and have no balance. 
I also called Parson-Bishop, explained everything and how they made a mistake and they said theyd look into it and call me back but never did and now I cant even get a hold of a live person again. 
My credit score was XXXX 2 days ago and now it dropped to XXXX in 1 day because of their fraudulent and false report to my credit report. I was in the process of looking at new houses and was quoted a very good interest rate because of my score and now my rate might go up and cost me more money because of their mistake. 
They should be able to sued or fined for this. And the credit reporting agencies just as guilty for doing no due diligence and just changing your score based on some accusation that I didnt pay a bill, which I did pay months ago, and giving me no say or due process to present my case, and making it impossible ( in the case of XXXX  ) to even do so. 
Something has to be done about this. These companies have too much power to ruin peoples lives with no accountability on their part. The government should never let this happen, yet they allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Ascendium Education Group
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Thr XXXX  suggested I file a complaint here against my student loan " servicer '', Ascendium who took my student loans in 2019. They offset my taxes of {$5700.00} & told me they gave it to a company, new mexico but it's not on any statement. Now they direct me to XXXX  or XXXX XXXX  to resolve any issues since my loans are in default. According to fafsa, national system data site- my servicer is ascendium & NOT these other companies. I mailed paperwork, they claim not to have received & continue redirecting me. They removed themselves from my credit reports for XXXX  &  XXXX. I have contacted ascendium, fafsa, dept of edu, complained, ombudsman 's offices everywhere, XXXX   credit agencies etc. They still claim not to be my servicer so I can not resolve my loans, my offsets, I'm in default, it's nearly tax time again & I still dont have a servicer after 11 months!!! I have piles of paperwork & supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: SYNCHRONY FINANCIAL
State: PA
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: Billing dispute for services

Complaint:
Sync/pep boys Account number XXXX Amount XXXX I never recognized these purchases Its fraud alert It scam Its affecting my credit score

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2017-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & Equifax ). After the BBB notified XXXX of my complaint, I was made aware that my credit score had dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuing calls many consecutive days on weekends in early am I have mention to the debt collector my health concern and took down their name and number but they called me today again in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
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:
Items that are not my accounts are reporting on my Experian credit report.

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