BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. DEPT OF EDUCATIONXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: CITIBANK, N.A.
State: IN
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 purchased a trip through XXXX in XX/XX/2020 for XX/XX/2020. COVID-19 hit and I had to cancel the trip in XX/XX/2020. XXXX  sent an email stating they were refunding the {$1300.00} for the trip but were unable to refund for the flight. Later that same day, XXXX placed a disclosure on their website stating they were cancelling all reservations and that people would need to get a refund from their credit card. I filed with the airlines who sent the refund to XXXX. So I filed a dispute with Citibank to get a refund for the flight. While talking to Citibank, I was told to only dispute the airline claim and to wait for the XXXX refund. I was told that I could change the dispute amount later if I did not receive the refund from XXXX. This was a lie. After numerous calls ( at least 7-8 in a little over 2 month span ) and repeated statements from various departments and personal in Citibank, I was repeatedly told they would change the amount for me. I eventually became frustrated and withdrew my dispute so I could change the amount and get a full refund. A new manager was very hateful to me on the phone and said they could not do anything because I withdrew my dispute. I was NEVER told that once a dispute is withdrawn, it can never be reopened. I filed a complaint with CFPB on XX/XX/2020. On XX/XX/XXXX, Citibank responded with an email basically stating they knew they lied to me in the beginning, but it was my fault for withdrawing the dispute. They did decide to give me a refund of {$450.00} out of the {$1300.00} because I am a " valued customer ''. I have responded twice to the email on Citibank letterhead ( XXXX ) and they have never bothered to answer me. I stated that I while I appreciate a partial refund, I don't feel like that is enough. I was lied to at the beginning of the dispute and repeatedly for months. Citibank stated in the claim that they knew I was lied to. So how to do they come up with a number that is not even half of what I lost. Had I known from the beginning that a dispute could not be changed or withdrawn, I would have filed for the full amount. I was trying to be honest and not file for the full amount with Citibank when I thought I was getting a refund from XXXX. Apparently Citibank does not feel like they need to be honest or they should take any responsibility if they are dishonest. Now I am out {$940.00} on a vacation that I was not able to take because a corporation does not feel like they have to live up to their word.

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 2018-03-30
Company: Monarch Recovery Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a robocall so I am unable to talk with anyone. They call everyday and sometimes twice a day. As I have never heard of this company, and the call says the company is Monarch Recovery, I XXXX and it is listed as a collection agency. I know they are calling the wrong number as I have no debts except a mortgage, which is not behind, and my credit rating is XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Tribal Lending Enterprise, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am from Washington state, XXXX, I was borrowed a money from XXXX XXXX XXXX institution a year ago about {$500.00} dollars on principal amount.I was paid the {$500.00} dollars in a short term period and they ask me an interest which is almost {$1000.00} dollars. This is beyond my situation. I didn't know about this lender before about their non license business which they are conducted in washington.This lender XXXX XXXX XXXX  insult me by many call and I am asking now a serous investigation must be taken by this lender how they are working their business and their beyond interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had lease a vehicle from XXXX XXXX back in XX/XX/XXXX. I was a 24 months lease with monthly payments of {$640.00}. Lease was term was completed in XX/XX/XXXX. No missing payment or property taxes owed. Vehicle was returned almost XXXX miles under miles agreed. Vehicle was returned in great conditions. Today I received a letter from Toyota charging me a disposition fee of {$350.00} plus XXXX of sales taxes. When we got or returned the lease nothing of this nature was explain to us. We were not even given a copy of the lease agreement at the beginning of the lease. I when to de dealership today XX/XX/XXXX demanding an explanation from the sells man XXXX. He said to me the Toyota was charging me the fee because I no longer wanted to leased a vehicle from them. I find this observe and not legal. I going to be punish for not leasing another vehicle from them instead of being rewarded for completing the lease as was verbaly explained to me. I prepaid for milage and didn't use it. They made over {$700.00} of used milage and Im receiving a bill. When I returned the vehicle I ask Pitor is I owed anything else. He assure me I was all set. The nothing else was going to be charged and today when I asked him about the bill I received he did know what to come up with. I paid this company enough money already. Also I should not be penalize for not wanting to lease from them again. Please help me with this matter. These people made there leaving lying and taking advantage of consumer like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
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: Account information incorrect

Complaint:
This account has been paid off In full but somehow during this process I guess the pay off was short due to getting the wrong info. This account also was never fully 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
We are an XXXX XXXX  and recently added PayPal to our site as a payment option. Within days we had over {$15000.00} of sales. Paypal put the entire amount on " hold : for supposed security concerns. We complied with all of their requests for information, e.g. shipping labels, receipts from our suppliers, ID etc. They started to release some of our funds after 7 days but continue to " hold '' new transactions. Currently they are using over {$5000.00} of our money. We made numerous attempts to contact PayPal by phone and were disconnected. None of our Help " messages '' were answered. PayPal is clearly taking the float on our money. Please let us know if there is any official action you can take on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Bread Financial Holdings, Inc.
State: PA
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 recently relocated. I updated XXXX XXXX  card services with my new address. My phone number remained unchanged. I received a balance transfer offer from XXXX so I decided to take advantage of their 12 month no interest offer. I called and provided XXXX with the balance transfer information. It was accepted, processed and I have already made payments on the transfer. One week later, I attempted to use my XXXX card and it was declined. When inquired as to why, I was informed the representative that initiated the balance transfer reported there was suspicious activity during our initial phone call. When I inquired as to why Comenity did not contact me with their suspicions, they stated the transfer was completed at XXXX and they will not contact customers prior to XXXX. I asked why someone did not contact me at any point after XXXX on any day, the agent, XXXX, kept repeating that they do not call before XXXX. When I pressed the issue again, XXXX, become belligerent and demeaning and I felt very dismissive because I am a woman and a senior citizen. He ended my call by pretending we had a poor connection. I was extremely upset and felt XXXX took pleasure in my frustration, I called back later, spoke with a different representative named XXXX who attempted to remedy the situation by allowing me to input my personal information on their secure website to unfreeze my card. XXXX mentioned they allow customers to input their information on their site routinely in this manner. XXXX interceded and did not allow me to do this. XXXX refuses to unfreeze my card until I provide them photocopies of my drivers license, social security card and a utility bill in my name. I am uncomfortable sending this information via mail but XXXX informed XXXX that was the only means that he would accept. I sincerely believe XXXX is a XXXX agist and revels in causing female senior citizens distress. This would have been resolved months ago had XXXX just contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I contacted Ally bank regarding an unauthorized transaction on my debit card in the amount of {$190.00} which has posted on my checking account on XX/XX/XXXX. I advised Ally to close my debit card as this charge was not authorized by me. Ally issued provisional credit on XX/XX/XXXX for the dispute case XXXX for {$190.00}. It was several months before I heard anything and thought this case was closed. On XX/XX/XXXX Ally reversed the provisional credit and sent me a letter indicating the reversal date but no explanation as to why I am liable for unauthorized charge on my account. I tried to get in contact with customer service asking to reopen this claim. My last attempt was just today on XX/XX/XXXX but the supervisor indicated after an extensive hold time that she was not able to locate the dispute. This frankly make me very concerned as I have a large sums of money with Ally bank and the way they treat their customers. I don't feel my money is safe if they are siding with unauthorized transactions on their customer 's accounts without even providing reason for their decision. I am very skeptical about their debit card use and even having one open at this time.

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: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
After paying closer attention to my account, I have noticed Overdraft fees in this year alone, over {$200.00}. These fees are {$34.00} and sometimes added to an NSF fee. The NSF fee I am aware of what causes me to incur and so if I am able to, I know how to avoid them. However, the Overdraft Fee was never explained to me. I was originally a XXXX customer, which was bought by Citi, so that could be why- but I know that the Overdraft fee was never explained to me. When looking at my account, there have been instances when I was not negative at the end of the day, but still incurred the fee. When I have called to question it, I have been given different explanations. After receiving 3 back to back, I called again about 2 weeks ago and spoke with XXXX in Retail Banking. When I asked him why I was never explained about the Overdraft fees, he said the bank would not explain t to a new customer- only if the customer asks about it. In the past I have had a few NSF or OD fees reversed as courtesy or because the bank ATM wasn't working etc. However, I am upset that the OD fees have never been clearly explained.

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 2017-09-18
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted PLAZA SERVICES on XXXX/XXXX/XXXX and spoke with a manager. I stated to her that I received a response from the company stating that the account was recalled from collections. With that being said the account is still reporting on my credit report and when I asked her why she informed me that they still have the authority to report the debt even though it was recalled from collections which I know is ILLEGAL on all aspects. She was very rude and that 's not good business practices especially when you are trying to collect a debt that has been bought for pennies on the dollar which still has not been proven to be mine. Not to mention she did n't even state that that was a debt collection agency and that was an attempt to collect a debt. I will not hesitate to take legal action because I have been compliant on my part. I have already started the proceedings and if the company does not comply with the FCRA from this point on I will not hesitate to proceed with my lawsuit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
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:
XXXX point credit union was taken off then put back on without my knowledge by law the company have to notify you within 10 business days. or pay XXXX fine and remove it it's the law

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 2018-09-24
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
A XXXX XXXX credit card that was opened in XXXX was sold to a debt collector XXXX and I settled with them in XXXX of XXXX. In XXXX XXXX notified XXXX  and the account was deleted from my report but XXXX  and Experian re aged account with severe derogatory status and I have been denied 3 loans recently.

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 2020-05-14
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:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-30
Company: Experian Information Solutions Inc.
State: LA
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:
on XX/XX/XXXX andXX/XX/XXXX I sent both certified mail to Experian saying that the XXXX XXXX account was reporting incorrect and this is stopping me from getting a place to stay. I did not receive a response back from them. I had already included a copy of my driver license and a bill with the currect address on 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 non-monetary relief
Consumer complaint received 2021-02-01
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 am in the process of buying a house and today XX/XX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.

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 2023-07-27
Company: EQUIFAX, 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:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation