BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Had a credit check done by Citibank Na/XXXX. I have had a home depot card for years there is no balance why would they do a hard check on 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 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Due to the nationwide impacts of the coronavirus ( COVID-19 ). I was greatly affected as a XXXX XXXX XXXX. I received one XXXX stimulus check and have not been allowed in occupied units since XXXX. Tranunion credit reporting was suppose to reverse the dispute with the Corona ( natural disaster ) relief. XXXX also refused to apply XXXX will continue to work out deferred payment agreements with residential and commercial customers who are falling behind on their bills. Please call XXXX XXXX XXXX XXXX to request one. 
XXXX will not be disconnecting services to customers. This applies to both residential and commercial customers. 
XXXX will not be assessing late fees to customer accounts. 
XXXX will not require deposits from customer accounts seeking to reconnect services previously disconnected for nonpayment. 
XXXX will waive credit card, debit card and retail payment processing fees.

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 2021-07-18
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX - Americredit XX/XX/2020 - Americredit XXXX XX/XX/2020 - XXXX XX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i I have tried to Disputed this {$94.00} collection of a medical bill with Equifax. I never recieved a bill at my home address or through my Medical insurance. I've been trying to get them to validate this debt XXXX and XXXX have deleted it from my credit report because this debt has never been validated. There website never let 's you check the status of the dispute when they give you a solved dispute conformation number so frustrating dealing with this bogus {$94.00} dollar debt that I never recieved any bill for. This is debt that easily could have been paid or made payment arrangements on I would not let a {$94.00} medical bill go to collections that's ridiculous I would just like for Equifax to do what's right and remove this from my credit report to whom it may concern thank you for looking into this situation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I logged on my online banking and saw a lot of fraudulent charges, I contacted the Wells Fargo branch to notify them. During the phone call, the bank teller stated " the branch manager is out at lunch ''. I then requested a full print out of my account and the teller stated she would pass the message and have the branch manager call me back. 

He never called me back. I called for 7 days in a row. He still was always unavailable and he never called back. XX/XX/XXXX - I was notified via email that my account was closed. 

This has been extremely stressful. I lost my apartment, I lost my car. After the fact, they still refused to give me a print out of my bank statements. I banked at Wells Fargo because I trusted them, they are there to take your money but when I report fraudulent / unothorized transactions or try to get help with fraudulent and unothorized transactions they close my 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 2018-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife - and I are in the process of looking for a new home. We found a home and our realtor - forwarded us the offer to be initialed and we did so. After the completion of the offer document later in the day on XX/XX/XXXX we received an email from our realtor 's XXXX email id asking for confirmation if we were ready for the deposit/ernest money for {$3000.00} as mentioned in the offer document we signed earlier in the day. 
We transferred the money at XXXX based on the reply we got from that email id since it had the bank details : -- -- -- -- - Routing instructions : Bank Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ABA Number : XXXX Account Name : XXXX XXXX of XXXX XXXX Account Number : XXXX -- -- -- -- - We tried calling the Bank of America right after we realized talking to the realtor on the phone but the bank department was closed by ( XXXX ) then and was advised to call the next day -XX/XX/XXXX in the morning at XXXX XXXX. I called up at XXXX XXXX next day but was told that the fund had already been transferred so am following up now about the money recall claim filed with the bank.

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 2020-11-13
Company: DISCOVER BANK
State: OR
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:
We bought a laptop online, directly from XXXX on XXXX XX/XX/2020. 
It died on XXXX XX/XX/2020. 
XXXX shipped a replacement laptop on XXXX XX/XX/2020, while placing a hold on our credit card pending return of the defective laptop. 
On XX/XX/XXXX XXXX received, but then apparently lost, the defective laptop, turning the hold into a charge. This delivery was at least one day prior to XXXX two week return deadline. 
I filed a dispute with Discover Card when my bill closed, including this charge, on XXXX XX/XX/2020. 
After receiving copies of XXXX  receipts proving delivery XXXX told me that everything is resolved and I shouldn't be seeing a charge. 
I had given Discover Card copies of those same receipts from XXXX  showing that I sent a package to XXXX and that it was received before XXXX return deadline. 
Nothing XXXX has sent to Discover Card and Discover Card has made available to me either mentions or denies that they received the defective laptop returned by me. 
In spite of the proof of delivery on my part and the lack of a dispute of this fact on XXXX 's part Discover Card has ruled against me and said that I need to pay XXXX, without explaining why this decision makes sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: SYNCHRONY FINANCIAL
State: IL
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:
I opened my account XXXX of XXXX. I have made all of my payments for this card. I did have 2 late payments, never a missed payment and I always paid the late fees. One of the late payments was when I was sick with XXXX and was unable to make a payment on time. I got a credit consolidation loan and was able to pay off the balance of this card in XX/XX/XXXX. I had only been able to make the minimum payments due to XXXX related financial struggles. I even made a second payment shortly after my lender sent in the payment for the majority of the balance but there was more interest that accrued that was not accounted for in the lender payment. I planned to use this " XXXX  Credit Card, '' as it is advertised, for several purchases I need to make in order to not pay interest and so I could have my pets medical needs taken care of and my XXXX yr old son could get new glasses and not have to wait until I can save the money needed to do so. Shortly after, less than 30 days, paying the remaining balance the card was canceled. I was notified of XXXX  my credit app that keeps me in the know about theses things. I called Care Credit ( Synchrony Bank owned ) and asked why and I was told that it was due to changes on my credit report since I opened the card. I don't see how a company can close an account based on your credit report changes and not based on your payment history and how you have handled the account. How can a company do this when it negativity effects my credit which it the very reason they canceled 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 2018-07-02
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:
My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. I submitted letters to XXXX the beginning on XX/XX/XXXX. About accounts that aren't mine. They have failed to provide physical proof that the accounts are mine.This has been over almost 2 months roughly at this point 180 days. I've been trying to sort this out. I've sent ( 4 ) 609 letters and they haven't deleted the accounts that I'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian is reporting a hard inquiry XXXX on my credit report, but I never applied for any products from XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.

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 2021-07-18
Company: Experian Information Solutions 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:
My public records were approved to be blocked by XXXX XXXX. I have forwarded the confirmation to Experian and XXXX to process and remove the accounts, but they are stating they investigated and came back as accurate, but this is not true, they never reached out to XXXX XXXX to confirm,. I have mailed the confirmation to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by uploading the info to Experian and 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 2020-07-01
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: Account information incorrect

Complaint:
Hello. On XX/XX/2020, XXXX reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that XXXX will request that the defaulted loan be removed from the consumers credit report. I Have contacted XXXX  and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: MO
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:
Experian refuses to remove an inquiry even though they have been notified by the creditor that it is a case of fraud. Someone applied for a XXXX XXXX XXXX credit card with my information. XXXX XXXX  notified the three credit reporting agencies that the inquiry was not mine, and all but Experian removed the inquiry from my credit report. XXXX XXXX  says that they have done all they can and that it is Experian. Experian says that they verified the account and that they are not removing it. I am stuck between a rock and a hard place, as it appears that it will take the Consumer Financial Protection Agency to get the account removed from my credit file.

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 2020-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
see Attatched MERCHANT RESPONSE USAA just sent me XX/XX/2020 in regards to MY REQUEST FOR. ORIGINAL SIGNATURE. OF WRITTEN DOCUMENTATION OF ACCEPTACE OF DELIVERY AND PROOF OF MY PURCHASE ie. ( Picked Up @ Post Office OR DELIVERED INTO MY HANDS. ) AND IP TRACKING This USAA Provided see Attatched is NOT FROM XXXX BUT A 3RD PARTY???. Documentation with XXXX Heading. KINDLY NOTE ( 1 ) IP ADDRESS XXXX ** IS NOT MY IP ADDRESS. ** ( 2 ) THE SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX ** IS NOT MY ADDRESS FOR DELIVERY. 
** Clearly, USAA DOES NOT CONDUCT ACCURATE FRAUD INVESTIGATIONS AND LEAVES CONSUMER LIABLE FOR FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: CITIBANK, N.A.
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:
On XX/XX/18 I applied for a Home Depot credit card on line through Citi Bank. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by Citi Bank. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at Citi Bank said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with Home Depot/Citi Bank and was told that it was accurate and that there was nothing that could be done about it. I contend that Citi Banks credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.

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 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$4800.00} DEPTEDXXXX XXXX {$2800.00} DEPTEDXXXX XXXX {$3000.00} DPTED/XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$330.00}

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 explanation
Consumer complaint received 2020-06-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a notice from XX/XX/XXXX that 5 new accounts were reporting negatively on my credit report in the total amount of {$4100.00} and $ XX/XX/XXXXI saw 5 different collections from the same Collection agencyXX/XX/XXXX for outstanding medical bills from 6 years ago. I never ever received anything from the Original Creditor stating that I owed anything. I did have medical coverage and since I never received a bill I didn't even know I owed anything. I have disputed this several times via both XX/XX/XXXX and all three credit reporting agencies online and in writing only for them to send back a report stating " Account information disputed by consumer, meets FCRA requirements '' I have requested validation from the collection agency on XX/XX/XXXX for them to send me anything from the original creditor with my signature agreeing to pay this alleged debt. They sent back their version of a validation letter on XXXX XXXX XX/XX/XXXXXXXX the letterhead with various dates of service, but nothing really verifying that I agreed to paying this debt in writing with my signature on it. I have asked both the Credit reporting agencies and the collection agencies to send me something with MY signature on it to verify this debt and I keep getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
First I received communications from Source RM at the wrong address. Second they have no right to collect this debt. 3d I am in the process of working out a payment plan to the company which the debt is owed to. 4th Along with 2 other collection agencies they are trying to collect this debt. 5th Source RM has report false and negative information on my credit report causing me financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I found a charge on my XX/XX/2020 statement for an unauthorized charge of {$270.00} posted XX/XX/2020 from XXXX. I did not make this purchase and promptly reported it to Barclays for my Carnival Master Card. I had them issue a new credit card. In mid XXXX they sent me a letter stating it was valid charge. I called to find out how they came to this determination. I was informed that XXXX said it was valid. I then called XXXX about the charge. They could not find any purchase on my account for that amount. I was then asked to link the Carnival Mastercard to my account in order to open a case with their fraud department. Several days later I received an email from XXXX indicating fraud and to report it the card issuer. I sent a written letter to Barclays asking to reopen the case and look into my findings. They received this letter on XX/XX/2020. I have never received any communication back from my letter.

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 2020-08-19
Company: EQUIFAX, INC.
State: AR
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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: TD BANK US HOLDING COMPANY
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:
TD Bank/XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX  and XXXX but not XXXX. XXXX  report has negative report.

Company response to consumer: Closed with explanation