BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
1. CitiCard misapplied two XXXX 2021 payments to my City Diamond Preferred Card account they had closed ( # XXXX ) due to inactivity, with NO notification to me, giving me a chance to keep this card active. 
2. When I called CitiCard @ XXXX on XXXX @ XXXX XXXX about this problem, she said the card with the misapplied credit balance was closed due to inactivity. She said it would take 3 business days to transfer the misapplied payments to my open Costco Anywhere VISA Card by Citi account ( # XXXX ). 
3. I told her I received no notice my City Diamond Preferred Card would be closed due to inactivity. She said I was sent an email but couldn't tell me the email address, date, etc. I told her I always requested paper copies of all of my credit card statements and all notices. She said, Well, it's closed and can't be reopened without applying for a new credit card, which will adversely affect my credit rating. 

CitiCard should reopen this closed account City Diamond Preferred Card ( with no charges/penalties to me ) since they failed to notify me by mail it could be closed due to inactivity. I also feel that the government should look into CitiCards practice of retaining funds paid on closed accounts. This does not seem legal or ethical.

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 2020-01-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I made a credit card payment to Barclays Bank for my XXXX Credit Card with 2 checks in the same envelope, one from my business account {$4100.00} and another check from my personal account for {$1000.00}. Both checks cleared my Bank on XX/XX/2020. Barclays only credited the {$1000.00} to my account balance. I did not find the mistake until I received my next bank Statement XX/XX/2020. After much frustration and several calls, I demanded a number in the United States and only then was I directed to their Resolution Department in the United States, XXXX. I faxed in a copy of both checks, front and back showing the date the checks were processed and a bank statement showing both checks cleared my account, The Resolution Department has confirmed my check was cashed by Barclays but they can not locate my funds. I was told it will take 25 business days for them to investigate. I was told they can not send me my money back or credit the {$4100.00} to my account, even though they acknowledge they have proof they received and cashed my check. I was told they can not send me anything in writing guaranteeing my money will be credited to my account. I told XXXX employee ID XXXX, I consider my money stolen. I consider this fraud. Barclays Bank is trying to make their problem of misallocating my money, my problem. Barclays Case # 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 monetary relief
Consumer complaint received 2017-10-28
Company: ERC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I looked at my credit report and saw that someone had opened up a cable bill in my name with XXXX. I called XXXX and they told me that I have to prove that it is n't me. They have n't sent me anything that all. I happened to call them and they told me that someone in XXXX, Texas opened an account with my name. I gave them my last four and the operator said it was n't me but I need to prove it. The individual and I share the same first and last name. I do n't know her middle initial. Mine is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( Transunion, XXXX, and ESPECIALLY XXXX  ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. Transunion has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX  has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.

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 2019-12-09
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:
I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
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: Their investigation did not fix an error on your report

Complaint:
I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX, 2022 my bank account infrmation was hacked from outside the XXXX and XXXX Fl . I had several debits from my checking account and my 2 bank cards hacked and maxed out, I had to report this the the police, IRS, and all credit agencies immediately. I did and it was a long process to have the accounts closed and then my bank account reissue me a new ID and replace my funds ( close to {$30000.00} ). The XXXX fixed the problem after months of investigation and time. I immediately called Barclay 's Old Navy card to cancel, inform them that I would be able to send a check ( no online accounts or IDs available ) as soon as I get a checking account set up ) and I DID IMMEDIATELY!!! 
I explained the issue, told them to give me the balance ( {$410.00} without penalty ) and I sent the check out XX/XX/2022. I spoke to them and they did not record the call??? Don't belive them. 
I then still got billed and added fees sent. I called several times. I sent a letter stating all this again. I sent copies from the IRS and police reports of the fraud from the bank and investigation. I was told that a manager had to call me and that they could credit all but {$40.00}. This was NOT done. I called and spoke to a very rude woman last call and she read the back of the credit card statement and said she cant help. I can not log into the card on line as I cut the card and dont have the 16 digit card #. The Barclay 's staff members are just rude and nasty. 
I do not feel I should pay for having my identity stolen and having my accounts frozen because of ir. I dont feel I shoud be punished. The items I purchased were paid for and no $ $ remains due to purchases only late fees and interest on late fees ( no items ). 
I cant rightfully pay them and feel I was the victim here.

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 2021-07-15
Company: EQUIFAX, INC.
State: PR
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:
On the month of XX/XX/2021 i bought a computer for work, on the process of it, i wanted to verify an application for an open credit plan for another computer which was denied. 

I verified my consumer report on the consumer reporting agency Equifax on XX/XX/XXXX and noticed that an inquiry has been reported. 

I started a dispute the same day in which i detailed the violations done pursuant to my federal consumer rights, in which i stated : " ACCORDING TO 15 U/S/C 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERALSU BJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES/ME, A FEDERAL PROTECTED CONSUMER AND NATURAL PERSON, NE VER GAVE WRITTEN INSTRUCTION TO GRANT EQUIFAX PERMISSION TO REPORT THIS INFORMATION ON MY REPORT/ '' and today ( XX/XX/2021 ) i verified my consumer report for an update. 

In which they stated : " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: CA
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2017-10-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a Walmart Credit Card account which had a balance of {$550.00} I have paid this account on time and can prove it. My most recent payment was one day late, my payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX and was charged a late fee of {$35.00}. I am personally in the process of obtaining a mortgage so there are inquiries that reflect that on my report. I spoke with a credit rep at Synchrony XXXX and they told me that my credit amount on my card was due to a negative credit check. My credit actually increased, so that was a lie. It looks to me that Walmart saw that I was applying for something and since my credit utilization had decreased with the card, they lowered my credit on the card which actually increases my credit utilization and basically lowers my credit score which could hurt me with obtaining a mortgage. I am an XXXX American woman who is hard working daily and me and my family are working hard to obtain the dream of home ownership and should not be stopped by big corporations like Walmart and Synchrony.

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 2022-01-12
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a previous complaint on this company. They have yet to remove the negative items that are causing me extreme financial hardship from my credit report. I was advised to also file a complaint with the XXXX  as this company has a pattern for abusing and violating the fair credit reporting act. Im adding this complaint again with my original complaint. The response received from the XXXX  that this negative information would be removed but still has not. Please see below complaint not resolved. 

On XX/XX/2022, this collections account was added to my credit report. I was not ever notified by XXXX XXXX XXXX XXXX This just appeared on my credit file in the amounts of XXXX, XXXX, and XXXXThe account numbers aren't on my credit report and the companies address is not listed. I haven't ever done any business or heard of either of these companies. Avante XXXX XXXX XXXX did not verify this debt but instead just put theses 3 items on my credit report. This is clearly an abuse of collections tactics. This company has violated the fair credit reporting act. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put these items listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.

Resolution : These are not my debts! These 3 accounts have been added to my credit file in error. This company failed to validate this debt and put these item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all 3 major credit reporting agencies not to resurface on my credit file again and cease and desist all collections efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account with Citizens and set up a recurring monthly transfer of {$10.00} from an external bank into Citizens to avoid the service fee. I then was never allowed to log into their website ever again, they said that I'm not permitted to see my account. I went to a branch and spoke to a teller to close my account, and withdrew all my money as cash and received a receipt for account closure. The teller told me that my account was closed. 

Next month they still withdrew {$10.00} from my external bank account. I called customer service and was told that the account was never closed, and that they'd do it then. I received another document in the mail saying that my account was closed along with a check. When I try to log into the website, they say that my account is closed and I'm still not allowed to see anything, so I can't stop the recurring transfer. 

Citizens just withdrew another {$10.00} from my external bank account. This was not planned for, and caused me to overdraft. I need the CFPB to help me force Citizens Bank to close my account and stop trying to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 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 2023-03-20
Company: EQUIFAX, INC.
State: MA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation