BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I contacted Citibank because of fraud charges by XXXX XXXX and ask them to stop the transaction before money is taken out. After a week of calling for an update they were unable to provide an update and the money was taken out. I provided them with the information requested including the Case No of the fraud report at XXXX XXXX. I have not received any satisfactory resolution after XXXX months of trying. 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 monetary relief
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Company was contacted about statement balances that keep showing up every month. 
On the Bank app the balances are off from the balances they are reporting on my statement. 
I have been paying my balance down to XXXX according to what the apps says I owe. 
My XXXX balance is never shown on the statement. 
Instead they/ their system delays the payments pending for days to allow a balance to show on my statement. 
On Monday XX/XX/XXXX i spoke to a supervisor that looked over the XXXX balance and assured me that he saw I had already made the payment on XXXX which brought my balance to XXXX. He told me that at XXXX on XX/XX/XXXX the XXXX balance would report on my XX/XX/XXXX statement. Instead, on XX/XX/XXXX there was a new balance as if I had never paid my account down to XXXX. The company is also able to add interest to a balance. 
As a result of the delay in their system as of XXXX my account is over in payments because their system never shows the real amount you owe. 
Even tho i pay the balance down to XXXX they always post a balance. Yet my statement balance is {$120.00}. 
I've spoken to XXXX, XXXX, XXXX, and several others to have this investigated. XXXX refused to escalate for an investigation. They have stated that their system delays real time payments up to 5 business days. 
I am only allowed to pay down what the system says i owe. Their system lags/delays and does not reflect what is reported on my statements. My account was paid down to XXXX XXXX This type of reporting to the credit reporting agencies has reflected my utilization and drags my credit scores.This is defamation of my character. A furnisher has a duty to report accurate complete information. This information they are reporting is iinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XX/XX/2019 - XXXX XXXX closed account in my name. 
XX/XX/2019 - XXXX XXXX reported account was closed by consumer which is incorrect. 
XX/XX/2019 - XXXX XXXX reported a balance of {$510.00} XX/XX/2019 - XXXX XXXX reported a balance INCREASE of {$32.00} XX/XX/2019 - XXXX XXXX reported that the account was AGAIN closed by consumer XX/XX/2019 - XXXX XXXX reported that the account was delinquent. 

Letter dated XX/XX/2019 disputing the accuracy of the information reported to the three ( 3 ) credit reporting agencies ; namely the closing of the account and the continued assessment of interest payment and balance increase. The main point of disputing being that a close account can not accrue addition interest and balance increase. 
Series of email exchanges in connection to the disputed information. 

XX/XX/2019 - XXXX XXXX Reported that the account was canceled by Credit Grantor XX/XX/2019 - XXXX XXXX reported a balance increase of {$7.00} XX/XX/2019 XXXX XXXX reported the account as delinquent.

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 2020-01-24
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to report a bankruptcy that my ex wife filed long after we split. I have disputed this for over a year trying everything under the sun to have them delete the bankruptcy because it doesn't belong to me. I have sent letters telling them it's not my bankruptcy and letters telling them they are not even reporting the full name of the court or the full account number. I have requested Experian to validate this reporting and they continue with verification. I'm including the last 2 letters I've sent them. XX/XX/XXXX and XX/XX/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 2023-11-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An XXXX XXXX Account " XXXX '' in has been wrongfully added to my credit report affecting my credit score on both Equifax and XXXX credit reports. I am not the owner of this account, and this was added in my name illegally and is entirely inaccurate. This is defaming my name and impacting my right to credit as well as voilating the consumer protections act and fair XXXX credit reporting act since this is fraudulent reporting. The only way for this wrong to be corrected is for this entire account and all of its history to be removed from my credit profile immediately. I have never been personally liable for any XXXX XXXX credit card in my life. Please report this, rectify it completely, and stop this fraud from taking place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
The victim discovered on XX/XX/XXXX on his XXXX report a fraudulent Bank of America credit account. The account was opened in XX/XX/XXXX, had an outstanding balance, overdue payments, and eventually was charged off in XXXX ; however, this record only showed up for the first time on his XXXX report 8 years later in XX/XX/XXXX and on his XXXX report in XX/XX/XXXX. The fraudulent credit line significantly lowered his credit score, and prevented him and his wife from taking out a mortgage to buy a house. Victim has disputed the fraudulent account with Bank of America and XXXX, which had led to no results after months of efforts. His XXXX report also included incorrect addresses and birth date which may or may not be related to the incidence. In addition, he was also a victim of the XXXX data breach back in XXXX, and in XXXX during the COVID 19 pandemic, a victim of another identify theft where someone else attempted to claim unemployment insurance on his behalf, which he reported separately to the authorities. 

Very similarly, on XX/XX/XXXX, the victim 's wife also discovered on her credit report another fraudulent Bank of America credit account. The account was opened in XXXX and has been open since then ; this record only appeared on the report for the first time 7 year later in XXXX. The report also includes several incorrect addresses in XXXX, which she had never been to yet. Fortunately, the account had not been overdrawn yet, but the couple jointly can not take out a mortgage anyway due to the severe negative impact of the husband 's credit score. 

Frustrated by the non-result of Bank of America and XXXX, the victims are now filing a complaint to CFPB and hope that justice will be done to restore their credibility as good citizens.

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 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reached out to equifax back in XX/XX/2023 that I have reviewed my consumer report. I am in disbelief that I have been a victim of Identity theft. i have found numerous accounts that were not opened by me. this is hurting me and harming me. I am getting ready to purchase a house for my family. this is hurting us. please remove the fraudulent accounts from my consumer report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.

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 2022-10-05
Company: I.C. System, Inc.
State: CA
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'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
on XXXX i recived copy of my credit report and i noticed 3 accounts that are listed on my credit thats not mine and never applied for companies listed below XXXX XXXX XXXX, xxxx, $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 writing to delete the following information in my file. The Items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent the document off on XX/XX/22. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.

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 2022-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
So I sent the document off on XX/XX/22. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is six years and Experian keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.

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 2021-11-18
Company: WELLS FARGO & COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I was charged {$510.00} and {$640.00} to my credit card account through Wells Fargo to XXXX XXXX at XXXX XXXX. I did not have my card in my possession and did not authorize anyone to use my card. These referenced charges are fraud. I have never made any purchases at XXXX XXXX. Wells Fargo denied my claim two times with the explanation that it was used by chip. Wells Fargo did not answer my questions about the signature of these purchases. I did not sign or ever enter this mall. At the time of the fraudulent charges, I was in the XXXX XXXX area on a hike. I am in my 3rd round of disputing these charges and have filed a police report in 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 2023-03-15
Company: EQUIFAX, INC.
State: TN
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Midwest Recovery Systems
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:
I have paid my final balance with XXXX XXXX  and they have said they have requested in XXXX of XX/XX/XXXX to remove the account from my credit report but as of XX/XX/2017 it has still been showing. please rectify the removal of this from my credit report as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: CITIBANK, N.A.
State: IL
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 XX/XX/17 I purchased {$610.00} worth of autographed pics on line from XXXX XXXX and we never received the merchandise we contacted the seller to no avail and ultimately filed a dispute with my credit card company citi card. The agent of their company handling the call mistakenly entered a fraud dispute instead of a billing dispute. After many months of going back and forth this error was finally corrected and a billing dispute was opened on XXXX of this year. By time this happened however citi had yanked the {$610.00} from the retailer and then since it was the wrong dispute they returned the money to XXXX XXXX. Clearly once money is returned citi can not for e the retailer to give it back so of course the retailer is refusing to do the right thing and now so is citi. After 9 months of fighting and going back and forth with citi they have closed both of these disputes and claim Im out of luck. Problem is according to federal law I should not have to pay for merchandise I clearly did not ever receive. And my credit should not be damaged as a result not should I be held liable for a mistake their employee made in the first place. I am seeking restitution from citi and to  have them write this money off as it was their mistake not mine and I want my credit which they have damaged to be restored regarding this matter.

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 2020-01-24
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: Information belongs to someone else

Complaint:
I have noticed the following on my credit file XXXX XXXX Bankruptcy These are not mine. They are either a result of identity theft I have experienced or an error. Please remove immediately and do not report again.

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