BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: CITIBANK, N.A.
State: TX
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:
In XXXX of 2017, two charges of {$100.00} were charged on my Costo Citi Credit Card for XXXX which I did NOT authorize. I reached out to Citibank who provided back up information that the user was in XXXX and used a XXXX name and address and had no CVV code! I 've never been to XXXX or XXXX and vehemently dispute these fraudulent charges. I have now spent over 5 hours on the phone with various Citibank employees only to be told it was my responsibility to pay. THIS IS FRAUD and THEFT. Please help.

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 2021-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received 2 letters from Huntington Bank on XXXX stating I opened 2 Huntington 5 Interest checking accounts online on XXXX. The letter has my maiden name being used and not my married name. I called Huntington on XXXX at XXXX and placed a fraud alert on those accounts. The representative stated they can be opened online with no ID. She instructed me to contact FTC and file a police report. There were checks and a debit card ordered on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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:
After reviewing your letter which I attached from your company, Transunion, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance to Section 605B of the FCRA you have determined that my request was either made in error, a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission, which I have attached to this complaint, with my original letter sent to your company, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? All of the reasons that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Transunion now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 

DSNB MACYS DISCOVERBANK 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 2020-05-21
Company: ERC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report in XX/XX/2020 and seen a ERC Collection/XXXX which account I never had so I wrote a letter to Validate debt with original signed contract to the CRA 's for validation neither the CRA 's or ERC send me valid proof of a debt that is not mine. ERC sent copies of a bill from XXXX that I never seen even with phone records which is a breech of private information sent to me ad validating the debt. No signed contract. So I proceeded to right XXXX again for their proof of validation which they never sent what proof they have to validate the debt. The debt collector ERC even reported an address I never lived at in XXXX VA and I have proof of that which is another law they broke. This company ERC has violated my rights amd broke numerous Federal Laws according to FCRA and FDCPA. They have no record of my Social Security or any relevant findings that validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions 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 have three items on my credit report. Which include one XXXX XXXX card with the amount of {$650.00} and another XXXX XXXX card in the amount of {$680.00} both of these are fraud and the third is a account with XXXX XXXX XXXX XXXX {$25000.00}. Which is fraud as well. I filled in the FTC report with all the complete information. I have done a FTC and they keep telling me that the FTC report is fraudulent saying that I did not file it with the police station. You do not need to do a FTC report with a police station.

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 2018-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I never received promo bonus for opening my account. I have met all the terms of the promotion

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 2021-04-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Submitted multiple sets of documentation to Shellpoint overXX/XX/XXXX and XX/XX/XXXXto have loan modified to comps in the area. XXXX XXXX FL homes were # 1 in areas hit hard in the real estate crash ofXX/XX/XXXX. They jerked us around for a year and claimed docs needed to be resubmitted. I want the late charges removed from this account. They falsely claimed docs were incomplete or not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Creditor name is PHH Mortgage Services We were traveling overseas during the months of XXXX and mid XXXX, 2018 and  were not aware that our XXXX payments, sent automatically from my XXXX XXXX XXXX account as a Bill payments, had been returned. However, upon realizing this mistake in late XXXX, I made several attempts to remotely solve the situation : - I sent another 2 Bill payments ( {$1500.00} and {$1700.00} ) from my bank in late XXXX that were deposited and CLEARED my account on XX/XX/XXXX, XXXX. However, unbeknownst to me, PHH FAILED TO CREDIT THESE PAYMENTS TO MY ACCOUNT. 
- Upon realizing that the payments had been returned I called PHH around XX/XX/XXXX and attempted to make a phone payment but the representative told me the account was blocked and I could not do so. 
- I then spoke to several people and asked to speak to a supervisor to see if I could send the payment electronically via a wire or ACH but was told that my account was blocked and that I could only pay with certified funds. 
- I then proceeded to send a wire to a neighbor for {$5500.00} and I asked him to go to a branch in person and pay the loan at a cashier, assuming that cash was certified funds. However, upon arriving at branch he was told that cash was not an acceptable for of payment.

- At this point I decided to cut my overseas trip short and return to the USA myself to deal with this situation. 
Now my credit file is showing 30 days late for XXXX and I'm unable to obtain a mortgage for a new home despite having made EVERY effort to pay PHH on time. I tried, they refused.It almost seems like they didn't want me to pay, crazy ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received a Debit Card in the mail with my name on it from XXXX XXXX by XXXX. I never opened an account with this bank. I attempted to contact customer service first by the contact form on website, it lead to a 404 error. I called the number next, I either had to enter my card number in which it wanted to activate the card or enter my Social Security Number. I could also report lost or stolen card options. I tried staying on the line or pressing 0. These led to not a selection or hanging up. I did some searching and lot 's of people complained about the bank and other flatly said it was a SCAM to get you to give you your information or deposit money into the account. The mail looks very legitimate. The company even has apps on XXXX XXXX and XXXX XXXX. I would NEVER trust a bank that sends me a debit card I was not expecting or a new account I did not set up.

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 2019-03-18
Company: EQUIFAX, INC.
State: TN
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:
So I filed a equifax complaint because of the 60 % utilization despite me already paying it off. You guys rereported a month later a 60 % utilization despite a 1-2 % utilization. 
I went into a branch, called multiple times ... Employees gave wrong  information about prepaying to lower utilization. Multiple managers hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
In late XX/XX/XXXX I called into Dept of ED/Navient customer service line and requested to have my account put into a deference. At which time the woman I was speaking to informed me that it would not be an issue and everything was good to go. So until three days ago when i acquired a copy of my transunion credit report and saw that I had 5 late payments reported for the month of XX/XX/XXXX because I have 5 different student loans. This had immediately dropped my score down over 40 points!!! So i called Navient and tried to explain the issue and the representative just kept insisting that I was at fault because they reached out multiple times and were unable to reach me but when I asked what email address they had he gave me one that wasn't even mine!!! So i politely told him the correct address and then he stated there was no recourse for me to appeal. I'm just dumbfounded at the negligence and unbelievable arrogance that these people seemed to act towards me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was the victim of identity theft on XX/XX/2020. My SSN, physical address, email address, DOB and name were used to create an credit account with XXXX. On XX/XX/2020, I received a notice from my credit monitoring service that my credit was checked by XXXX using Experian Credit Bureau. I have taken corrective action to freeze my credit with both XXXX and XXXX - with no trouble. However, I have been unable to freeze my credit with Experian. I have attempted numerous times to use their website to both dispute the credit check and freeze my account - but I receive error messages that the tasks can not be completed. I have attempted for 2 days to contact Experian via phone to speak with a representative to assert my lawful right to dispute the erroneous credit check and freeze my credit ( I have called the following numbers provided on the Experian website : Dispute Credit Report ItemsXXXX ; Report Requests & Fraud : XXXX ; Existing Customer Support:XXXX  ; Customer Care : XXXX ; Customer Care : XXXX ) however I was connected to automated systems that did not allow me to speak with a live representative, nor allow me to process my requests, and ultimately ended with me being disconnected because the prompts led me to a dead end which stated : " we are unable to process your request by phone ... '' - disconnect. The phone systems instruct me to send via US mail highly sensitive personally identifiable information - which as a victim of identity fraud, I am not willing to do - it is not a secure method. I am requesting that Experian provide a phone number that allows me to speak directly with a live representative in order to process my credit check dispute and process a credit freeze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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 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 2019-03-18
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX- Bullcity Financial Solutions {$510.00}. I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All attempts to verify and validate the debt has been unsuccessful. I notified all three credit bureas that the accounts were fraudulent. I have spoke with and requested a fraud package from Bullcity Financial Solutions and recieved no help or real care on the issue. The information is being erroneously reported on my credit report, which is having adverse effects on my car loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Equifax over 50 times about the fraud alert and all the information on my report that was n't authorized by me. I have been yelled at, called a liar, hung up on, the staff over seas have put in information that was mine but they said that I disputed, the company say 's I have n't responded but I have. I also have recordings of every single phone call to support the proof of the abuse I 've received for trying to fix a problem that I did n't cause. I have spent so much time and my own money trying to resolve this. I filed a fraud alert with the Federal Trade Commision and I mailed it in, they said they did n't get it so I faxed it in. I have proof they got it but they are still denying it. I 'm at a wits end with this company. How are they allowed to keep attacking consumers and treating the people that actually have been a victim to fraud with such disrespect?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CFPB needs to hold credit bureaus responsible for unfair business practices. 

All three major credit bureaus engage in the same inefficient unfair business practices antiquated business practices. The government permits each of these companies to offer a myriad of complicated sophisticated unclear service is selling customer information to them while at the same time does not hold that the company is responsible for engaging in XXXX, Equifax and XXXX  all engage in the same deceitful and unfair business practices and CFPB refuses to enforce. I have recordings with the organizations, but nowhere to send them. 

Equifax has an hour long process for authenticating a person, and then they ask the same questions once they finally get in the phone. If there is an issue authenticating a person, they refuse to help, and have no backup procedures for authenticating someone. Even though I enter the correct Social Security number in their telephone system, I was asked questions about accounts which were not even mine. 

XXXX  had a web page where one can log into 4 different sites. How is a customer supposed to know which one is best? Why does the company offer multiple avenues for submitting disputes each of which have different constraints. Its just confusing. I open disputes and I am constrained through their web application in major ways. For example it only looks the customer to provide details up to a certain number of characters, some arbitrarily low number of characters like 123 characters? Its ridiculous. I called and spent hours on the phone with them. They indicated I could update information about ongoing investigation by providing them documentation, but that was a lie ; they refused to provide a fax number. They refused to provide an email address. They indicate I could login and upload documents, but thats a lie too. The web application that they provide for disputing credit information forces the users into categories which do not address all Reasons for investigations. There are circumstances when companies There are circumstances when companies Our erroneously Reporting Information, and I have explicitly requested details about why or how the company holds its reported information to be valid. The company refuses to provide that information, and the credit bureaus refuse to require them to provide information. All they simply do is say the information is been validated. They dont send copies of the information that they sent to the company they dont provide copies of the information and the company sent back to them they simply hold that the information is been validated. They make a mess statements of fact in the phone calls such as were not required to investigate. 

You all need to hold these companies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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:
CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On or around the end of XXXX XXXX Permanently limited my account for an undisclosed reason. The froze my balance of {$730.00} Upon reaching out, they said it was their right when limiting my account to hold that money for 180 days. 
Since the passing of 180 days has occurred I reached out. 
Their phone services state there is no representatives. Their messaging system says to use it during certain hours. I did. And still getting the message to use it during certain hours. 
I used their internal email system and got the direct responses that my account had been limited. Not about letting me have my money. 

They are holding this money that is the companys and taking no steps or good Will gestures to fix the problem.

Company response to consumer: Closed with explanation