BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: AL
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:
Have informed for almost 11 months account with XXXX XXXX is not mine.XXXX  provided proof that the other 2 major credit bureaus has done investigations and determined identity theft provided police reports as well as identity theft reports to suffice and support claim, still no resolve was advised that would get info blocked should take XXXX hours still was never done. I call several times get representatives that hangs up transfers your call and tell you they are taking care of it and they dont. I have advised that next steps will be legal proceedings against the corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Synchrony bank reported my card lost or stolen it never was and I never said it was you can not understand anyone they put on phone and they XXXX me on intrest I 'm holding the card right now I 'm sick of waiting for a new card I just want to talk to someone I can understand

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Over the last XXXX months, I have been trying to correct my credit report and I have been told by the XXXX XXXX XXXX, such as XXXX, XXXX, and Transunion. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing 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 2019-01-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/XXXX, I received a message from Suntrust bank to contact them immediately concerning our savings account. I called them and was informed that there had been two fraudulent withdrawals from a Suntrust branch in the Washington DC area. One withdrawal was {$1000.00} and the other one was for {$2100.00}. The person who made the withdrawals had a fake drivers license with my information on it and Suntrust actually had the license in their possession. Over the next several days, I was told that Suntrust had put the money back into our account. I was contacted by the XXXX county Police Depart. In Maryland on Monday XX/XX/XXXX with a case number. The fraud actually took place in Maryland. I can't see the balance online because they have it locked. I went into the local Suntrust branch in XXXX, Ga on Monday XX/XX/XXXX to transfer some money from our savings account to our checking account and learned that the money has not been refunded back to us! The customer service representative called the fraud department and I was told I would be contacted in 24 to 48 hours. As of today on Mon. XX/XX/XXXX, I have not heard one word from them and the {$3100.00} still has not been refunded. It's now been six weeks. This is not acceptable. Please help me to hold Suntrust accountable and to return our money! 
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 explanation
Consumer complaint received 2020-02-05
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 Midwest Recovery Systems XXXX opened an account that has my current balance at {$220.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed. 

On XX/XX/2019 XXXX  opened an account that has my current balance at {$160.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Left many voicemails in regards to collections issues. It was removed afterwards only to be added again. I have disputed this several times previously with all bureaus and CFPB. Both the XXXX XXXX XXXX and the XXXX items. These debts have changed collection agencies too.Have these bureaus provided any correspondence by mail or when they actually attempted to or have spoken with me. They haven't tried to at any time. Its also been disputed with XXXX  XXXX. I have many times with XXXX  and they sent my information back in the name of XXXX XXXX with no reference to the items I disputed and in someone else 's name with my information. Only account standing but no collections information. This has been sold more than once, why cant the bureaus do something about this and I don't understand if I was paying the original creditor how it could be turned over to an agency anyway? I sent a letter regarding the same and they then changed the amount they stated I owed.It also disputed it and had it removed. How can I owe them both? I had many issues with XXXX acct # XXXX and contacted the FCC regarding and was allowed to port my number after the dispute to XXXX. At which time my bill was substantially reduced due to erroneous charges. 

For XXXX # XXXX I contacted the collection service XX/XX/18 and also sent proof of the new insurance with XXXX. I switched from XXXX because declarations were being removed that I hadnt requested, policy increases but no information on and no return calls after two voicemails were left. I notified XXXX before I switched and after they send a premium request on XX/XX/18. I spoke to XXXX in XXXX @ XXXX on XX/XX/18 XXXX XXXX.I advised of having new insurance. I currently don't owe XXXX any monies, so the XXXX they are trying to collect isnt correct. My premium was XXXX, so how do they have the wrong amount as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: TX
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:
Over the last 6 months, I have been trying to correct my credit report and I have been told by the XXXX XXXX XXXX, such as XXXX, Equifax, and XXXX. 

Per speaking with them I have found very disturbing information that is really frustrating. I have tried many times to have them correct these theses and you will see in some of the screenshots. 

I have disputed these items that are on my report several times and all they say is that it has been verified but how can these accounts be verified when they have not shown me any paperwork. I never gave them permission to put this on my credit report. 

Bankruptcy Discharged XX/XX/2018 The accounts that were discharged in my Bankruptcy are as followed : -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report. 
As a consumer, I have asked for it to remove and it is still on there. This is hurting me from receiving credit, this is causing XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/XXXX, I placed an online order with XXXX XXXX XXXX in the amount of {$110.00}. A couple of days after I discovered the merchant was attempting to defraud me with their delivery claims. Since the merchant was unwilling to assist or rectify the issue, I initiated a chargeback with Citibank, the issuer of my credit card. 

On or about XX/XX/XXXX, Citibank posted a provisional credit of {$110.00} to my account pending investigation of my chargeback. 

Roughly one week later, XXXX XXXX XXXX was able to adjust the order to ensure it was delivered in line with their original delivery claims. Accordingly, I submitted cancellation of the chargeback to Citibank both online and via their customer service representative. I have e-mail confirmation of this fact. 

On or around XX/XX/XXXX, Citibank debited my account for the {$110.00} provisional credit given to me when I initiated the chargeback that I subsequently cancelled. 

Negligently, Citibank failed to really cancel the chargeback per my instructions. On or about XX/XX/XXXX, Citibank decided the chargeback in favor of the merchant and yet again debited my account {$110.00} as a result. They backdated that debit to XX/XX/XXXX. 

Citibank owes me {$110.00} and I want that money credited to my credit card 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 monetary relief
Consumer complaint received 2019-01-07
Company: SYNCHRONY FINANCIAL
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I utilized a XXXX XXXX XXXX XXXX Mastercard serviced by Synchrony Bank to pay for a {$85.00} charge for services at the XXXX XXXX XXXX. However, instead of just the one single charge, they have continued to bill my credit card to a total of {$3100.00}. I have written and talked to their dispute depart at Synchrony as well as the Fraud Solutions Department. By letters attached, they have indicated that they have resolved this matter and remove the charges as well as updated all applicable credit card departments, see attached letters. However, to date, they have not. I need assistance getting this resolved as calling the bank only puts me from one person to the other, all of whom do not know what the other is talking about or how to resolve 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 monetary relief
Consumer complaint received 2018-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
While reviewing my report, I noticed fraudulent information was posted on my file. I am a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report immediately.

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 2018-05-25
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and realizedI had a debt collection for the amount of {$810.00}. I did not receive 30 day notice to dispute the validity of this debt. I am requesting proof of address where the notice to dispute the validity of this debt.I contacted company and the issue hasn't been resolved.Date opened XX/XX/2017

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 2020-12-22
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: Old information reappears or never goes away

Complaint:
On XX/XX/2020, I contacted XXXX XXXX account ( XXXX ) I don't have an account with the company.

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 2021-12-01
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I moved out of the XXXX XXXX XX/XX/XXXX. Everything was up to date, never late, gave 60 days notice. I stayed a few days over the lease but in accordance to my move out agreement. They said I would get a bill for the remaining balance. I never heard anything but got repeated hang up calls from XXXXXXXX XXXX starting 1st week of XXXX. Keep in mind, I moved our XX/XX/XXXX, nothing in arrears.

My sister sent mail forwarded to her house. The apartment complex had a mailing address but my final bill was sent to the old address. I finally got the billing my person around XX/XX/XXXX. This is not a month after move out. A few days ago, right after XXXX, my sister got repeated calls. She was listed as am emergency contact. They called several times a day, she finally answered. It was debt collectection IQD I understand if it had been months, but not even 30 days and they are already aggressive for {$170.00}. Calling relatives repeatedly, hang up calls for me. This is overt harassment. I was a good tenant. Will pay the bill, but was going to on payday. I don't feel I was irresponsible. I just got the bill, and will pay it Friday XX/XX/XXXX. They need to be reprimanded as per XXXX search, they do the often, aggressive and rude seem yo be the wording for many. I was not negligent! 
Thank you. Will attach the bill I finally received. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The information is incorrect.XXXX XXXX account XXXX was past due several times in 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 2019-01-07
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: Account information incorrect

Complaint:
The information is incorrect.XXXX XXXX account XXXX was past due several times in 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 2020-09-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, This is regarding my complaint against Citibank for their Costco Anywhere Visa card. I have not used this card for any transactions for since XXXX till date. Suddenly when I got my credit reviewed, I received information that there is a " Delinquency '' on my credit report. 

When I called up Citibank, I discovered that there was a transaction done in XX/XX/XXXX and they never sent me the card statement despite my informing them about my change of address. Thus, they have been adding late payment penalties and interest since that statement. 

I have called them 4-5 times, each time asking for details of the transaction and seeking card statements that can tell me if the change was legitimate or not. I have not received the requested card statement till date. 

When I called on XX/XX/XXXX they told me that the XXXX transaction was for renewal of Costco membership for {$120.00}. I acknowledged that it should be a genuine transaction and am willing to make payment for this amount if they can waive off all the late fee and interest charged to me. 

I don't think it is fair for them to charge the late fee and interest as a ) they never sent me the card statement thus caused the problem in the first place b ) despite multiple calls were not able to tell me the cause of the late payment penalties and c ) I am willing to pay off the legitimate amount I am seeking your help in resolving this matter as my credit score is negatively affected because of an act from Citibank caused by them and aggravated because of their deficiency in services where I am being unnecessarily being penalized.

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 2018-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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 had Capital One credit card that I closed in XX/XX/2015. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called Capital One but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
XXXX years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.

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 2019-01-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Merchandise was not received. I submitted a dispute and got confirmation from XXXX that Bank of America has already issued a {$91.00} charge-back. Bank of Amer asked me, online, to provide additional Info, which I did. Meanwhile, no provisional credit was ever issued, and, in fact, no credit at all was issued. On XX/XX/XXXX, I called about the status of my dispute and inquired why, online, there is a message in my inbox advising that the dispute is resolved and was combined with another dispute ( which does not exist ). Incompetence and deception both.

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