BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found multiple inaccuracies on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2019-08-19
Company: CITIBANK, N.A.
State: IL
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:
XXXX Credit Report showed on my records that I have 30 days past due with Macy’s store in XX/XX/2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XX/XX/XXXX  . But it says on my records  30 day past due in XX/XX/XXXX. And it brang down 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 non-monetary relief
Consumer complaint received 2020-09-04
Company: Experian Information Solutions 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:
Since XX/XX/2020 I have been sending dispute letters to Experian to send me verification of two debt collections in my account and they have failed to do so. They keep and saying it has been verified and they havent verified with me or have sent proof that the collections are mine. There are for XXXX. XXXX, XXXX and XXXX XXXX. XXXX  and XXXX   hace removed those collections because they dont have proof that these collections are mine but Experian has failed to do so. 

I have also requested for all three bureaus ( Experian, XXXX  and XXXX XXXX to verify debt from XXXX XXXX and XXXX XXXX which are Charge Off closed accounts. I have requested verification of debt since XX/XX/2020, and nothing has been done. 

For both issues Ive sent letter for them to send me proof debt since XXXX, XXXX, XXXX, XXXX and no verification of debt has been sent back to 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 explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency PRA which also cancelled contract. I paid PRA in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Spoke to XXXX  XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX  XXXX Agent advised me to do

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 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XX/XX/XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was XXXX XXXX XXXX XXXX. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to transunion, XXXX, and XXXX  as such, and is totally inaccurate, the other problem is in XX/XX/XXXX-XX/XX/XXXX I noticed two 30day lates added to my credit report after the closing of account in XX/XX/XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.Transuion is reporting no payment history on this account at all, XXXX, XXXX  all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, XXXX XXXX XXXX XXXX XXXX.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because 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 explanation
Consumer complaint received 2020-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 received email notification from my credit monitoring service that there was a change to my Capital One account. After reviewing the alert, which showed that the account was closed by the creditor. XX/XX/2020 at XXXX XXXX  CST, I received my call back from Capital One with my spouse. The representative informed me that the account was closed on XX/XX/2020 due to inactivity. They informed us that they sent a letter back in middle XXXX requesting more information. We informed the representative that we did not receive any communication via letter or email. My spouse informed the representative that we sent in payment for the annual fee back on XX/XX/2020 and since they are not providing us with a year of service then we should get a refund. We also lost several XXXX  dollars in points from this account. Representative informed me that since the account is closed they are not able to refund the annual fee or money back from the points we had on the account. My spouse requested a supervisor who in turn said the same thing and transferred the call over the fraud specialist who also said there was nothing they can do since the account was closed. They did not explain to me why the account was classified as inactive, especially since I made payment to charges that I had made on the account back in XXXX of XXXX  and then the annual fee payment I did in XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XX/XX/2020, after doing an annual credit report pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed fromXX/XX/XXXXand XX/XX/XXXX however have not been removed from XX/XX/XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws. We do not know what to do anymore because we have attempted so many times to handle this issue and these companies including the bureaus are not following FCRA laws that should protect us from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act, XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.

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 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: WELLS FARGO & COMPANY
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company returned an email saying that I was no longer in their records.

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 2019-08-19
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down 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 non-monetary relief
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My complaint is about 2 credit bureaus, Transunion and XXXX and the continuous reporting of unverifiable Public Record : Bankruptcy and unauthorized auto inquires : Since XX/XX/2019, I have written 10 certified letters to Transunion and 3 certified letters to XXXX requesting the deletion of the unauthorized auto inquiries and method of verification of the Public Record. To date, I have not received a method of verification as requested the name, title, address, and telephone number of the person at the courthouse who verified this information per the FCRA. 
XX/XX/2019, I received a letter from Transunion in the mail acknowledging my credit freeze was added to my file. Shortly thereafter in the month of XX/XX/2019, I received a post card in the mail from Transunion stating my fraud alert has been added to my file - - - see attached XX/XX/2019, I received a letter in the mail from the US Bankruptcy Court of MD stating the US Bankruptcy Court of MD is not responsible for verifying and validating information from consumer credit files. I have sent this letter multiple times to Transunion and XXXX on the dates after XX/XX/2019. - - see attached XX/XX/2019, XXXX sent me a letter stating to date they have not received a response from TransUnion, XXXX, or XXXX  regarding this matter. 
Despite my multiple submissions of my courthouse letter and my multiple submission requesting my proof of any submitted credit applications with my wet signature - - these request to date have gone unresolved.

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 2019-08-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank owns the Victoria Secret credit card. They closed my credit card and there is a credit balance of $XXXX. I spoke to manager XXXX on XX/XX/XXXX at XXXX; he told me I will receive it by end of XX/XX/XXXX. I still have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around late XXXX I began receiving calls from the Commercial Acceptance Company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX regarding a medical debt I was not aware of. I called in and spoke with a representative XXXX XXXX XXXX about the debt. First, this representative did not do their do diligence to insure that they had properly identified who they were speaking with. They simply asked me, " Is this XXXX XXXX? '' Then upon me saying yes, he began to share information about the debt I owed without further confirmation that I was in fact XXXX XXXX. I informed him that I had recently been laid off due to the corona virus pandemic and asked for clarification about the debt. He began threatening me by stating that the debt had already been submitted to my credit report, and that I owed this balance to their client. I responded that I had not been to this provider in a while, he rudely quipped " well yeah, the balance is from 2018 so that would be a while. '' I then asked him for an itemized bill of the balance owed so that I could review it before payment. He then stated that it was not really his responsibility to due that as I should have received an explanation of benefits provided by my insurance company. He then said, " did you read the explanation of benefits they sent you? '' When I responded that I do not recall reading it he sarcastically replied, " so no, you did not read it. '' I then asked if he was refusing to reach out to his client and have them send me the itemized bill which he reluctantly agreed to do. Three months pass, and I receive a letter from XXXX XXXX with the itemized bill I requested prior. With the following text : " Pursuant to our recent conversation, please find enclosed copy of the above referenced Itemized Bill. Please be advised that this account is now in default, and that my client is demanding immediate payment of the full balance due. Payment should be made directly to this office if you wish to avoid additional collection activity. '' I contacted the client directly for clarification as XXXX XXXX sent me 3 years worth of billing statements from the client instead of just the relevant charges. I spoke with a representative at the provider who helped me comb through the charges, confirming that I had paid my co pay but other charges were assessed after the visit. She also noted that the " COLLECTION FEE '' of {$50.00} was incorrect as my balance was under a certain threshold and therefore I should have only been charged a {$25.00} collection fee. She updated the notes and balance on my account to reflect that. The Commercial Acceptance Company carelessly charged me double the correct collection fee stated by the clients own representative. Then tried to bully me into paying an incorrect balance without confirming the charges with the client first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX I learned that my unemployment EDD card was used to make unauthorized purchases at a number of locations between the dates of XX/XX/XXXX and XX/XX/XXXX. I called XXXX and they were able to take down my claim and cancel the card and issue a new one. Fast forward to XX/XX/XXXX and I received a letter from boa stating the dispute was now closed with little to no explanation as to why. I have physical evidence that I can use to show I was not in the area the card transactions occurred on the specific dates and times. as well as XXXX location data that also shows I was in another state at the time those purchases were made. Since bank of America very hastily jumped to the conclusion the claim was false and should be closed with no investigation I would like them to prove to me on what basis they are making that assumption. because I have actual evidence, they only say in their letter they " believe '' the claim was false and deemed not worth looking into. Also I would like to know why if it was a " false '' claim as to why now I can not access my unemployment benefits that I was depending on having use of due to my inability to access the government benefits. Bank of America has clearly violated Regulation E specifically Section 205.11 ( Regulation E : Electronic Fund Transfers 12 CFR 205 ). and I feel bank of America should incur a fine of some sort to make up for their complete disregard of the laws and duties of their customers. I hope bank of America is held responsible for the numerous instances of wrongful practices that im sure many others are dealing with during the cover 19 pandemic. Thank you and I look forward to your response.

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 2020-05-15
Company: SLM CORPORATION
State: AZ
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:
To whom it may concern, Sallie Mae has tarnished my credit report in error. I usually submit payments via their mobile application with no issues and for some reason the payment kept getting rejected last time when there are funds in the account to cover the payment. I have submitted bank statements on my previous record and it and screenshots from their application and it was not taken into consideration. The application showed the status of rejected twice. I called their support personnel to only be told to contact my bank. After a third try on the payment submission the payment went through. I believe this is an unfair reporting and needs to be removed. I have contacted the company, but their customer services reps are disrespectful and are not willing to work with me on removing this negative mark out of my record. 
This also happened during COVID-19 and when I was finalizing a move after my divorce. 

I would like this negative mark to be removed. I'm having issues trying refinance and credit card companies are lowering my limit due to a hit of 70+ points negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief