BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got an text alert about suspicious fraud activities on my account on XX/XX/17 morning. So I called Citibank to notify them that I did not make the purchase and close the account and reverse any transactions right away. That person used my credit card to make purchase from XXXX, XXXX and XXXX. I was able to stop the items before they were shipped out from XXXX and XXXX.The item purchased from XXXX was a {$100.00} e-gift card which was used to purchase XXXX gift card. 

Three months later, Citibank charged me for that {$100.00} gift card purchase because XXXX claims that the XXXX gift card was delivered to my personal email address and was used. I have never seen that gift card email delivered to my email nor did I use it. I have already notified Citibank of fraud activities on my account on XX/XX/17 and they should have protected my right as customer. But they refused to reverse the {$100.00} charge of that e-gift card purchase and I have to be responsible for it now. I have spoken to the customer service and security department from Citibank and they treated me like I was the scammer, instead of a victim of fraud. 

That doesn't make any sense to me. What are the ID Theft and Fraud Protection Service for if Citibank can not monitor and protect my account from fraud activities?

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 2018-03-18
Company: SYNCHRONY FINANCIAL
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:
1. XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX was paid-in-full {$5700.00} as defined by the Bankruptcy Trustee.

2. XXXX can not agree that the account is paid-in-full and also claim a charge-off, ( see attached XXXX correspondence dated XX/XX/XXXX ). Amount paid to XXXX was made by the Bankruptcy Trustee not me.

3. XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. This account is closed so how can the account be in a Payment Plan? 
4. XXXX is reporting the account as Account has been closed due to inactivity. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record ). 
6. It is not XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.

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 2019-05-05
Company: Sequium Asset Solutions, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIUM ASSET SOLUTIONS has reported to the credit bureaus a debt due to identity theft. The police report REPORT NUMBER : XXXX XXXX  has been given to their original creditor twice and yet the reporting still exist on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was sent a Notice of Deficiency from the IRS ( Notice # XXXX ) that stated I had undeclared income via Cancellation of Debt from Capitol One on XX/XX/XXXX, account number XXXX, for {$1400.00}. 

I called Capitol One on XX/XX/XXXX and spoke with XXXX XXXX @ XXXX, Employee Number XXXX. She stated that she looked through their records and I have never had a Capitol One account under the above account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I only received one statement in the my during my account that was recently opened and it still states that I have online banking/mobile banking which is not true. I am currenetly waiting for another one to arrive in the mail.

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 2018-08-07
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am submitting this formal complaint to report the very, very, very abusive tactics of Hunter Warfield Inc. 

I was shocked when I called to inquirie about a debt of {$230.00}. 

I also clearly verified myself and stated clearly " I AM CALLING TO REQUEST SOME TYPE OF FAIR SETTLEMENT TO PAY THIS OFF AND CLOSE THIS OUT COMPLETELY ''. Apparently, I was billed for a little over {$120.00} that I was completely unaware of and this company has added exhorbent, unreasonable fees. 

I simply asked them to make a FAIR ADJUSTMENT so that I can pay this fair amount off. 

I am shocked that I was met with being BULLIED, LIED TO, HUMILIATED, PASSED TO ANOTHER AGENT WHEN I ASKED FOR A MANAGER. 

XXXX XXXX AND XXXX XXXX XXXX alias if not real names made every effort to Badger, Belittle, Provoke me, Disrespect me, Misrepresent the simple facts of payoff request discussion. Worse of all they continued to demand the address of the Safe house or Women 's shelter that had to assist my leaving a dangerous, life threatening situation. 
I offered my police report, crime victims address- but they kept badgering and so disrespect me. I was shaken over a simple matter and simple request for fair final payment request. I even asked over and over what amount might I pay to FULLY RESOLVE this and XXXX it. ( I only owed one other creditor. I called them-they faxed settlement letter, I paid full amount as agreed ) ; but, Hunter Warfield agents are dogmatic, ABUSIVE, demeaning and disrespectful while I WAS TRYING TO PAY A FULL FAIR SETTLEMENT TO XXXX THIS.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: WA
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:
Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due

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 2019-05-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Fifth Third Bank ( XXXX ) has been repeatedly and persistently calling our house phone regarding my spouse 's credit card overdue balance 7 days a week right after XXXX for 5-6 times including SUNDAY. When I answered the phone they don't tell me who they are. 

About 4 Sundays ago, I asked them not to call on Sundays ( I think her name was XXXX ) because it is not a good day for them to call. This organization ignored my request and still calls on our house phone everyday INCLUDING Sundays. 

On XX/XX/XXXX, a Fifth Third Bank representative called on our house phone again so I told her that I am willing to pay on my spouse 's behalf but they refused to accept my offer. 
On XX/XX/XXXX at XXXX, a representative from this bank called again. I told her not to call. At XXXX, another Fifth Third Bank representative called the house. Didn't they get a message? I told them AGAIN not to call on Sundays. They are disrespecting this household and interrupting my quiet Sunday  morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: EQUIFAX, 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:
Equifax is reprinting innaccurate information and are in violation of my FCRA rights as a consumer which is punishable with {$1000.00} per offense they refuse to remove these items XXXX card is fraud as they insisted I was paying with a XXXX XXXX checking account but I will attach a XXXX XXXX letter stating I never opened such account but yet this is the 3rd time Equifax is reporting this as verified yet they dont send me relivent information and nieghter does XXXX card!! The second time is XXXX XXXX this has already been verified as fraud on XXXX and XXXX yet they are still reporting it .... furthermore XXXX XXXX  has confirmed this is a fraudulent auto account as well and XXXX  and XXXX have deleted it but Equifax is still reporting this.. furthermore there are inquiries from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX that have been reporting that are fraudulent and Equifax  is still reporting this they are in violation of my rights of FCRA laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05
Company: Green & Sons Agency, Inc.
State: UT
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 XXXX has improperly reported debt to the credit bureaus knowingly that the debt they allege is a result of identity theft. Additionally they have uploaded documents stating this was a debt I owed but after carefully reviewing the documents they uploaded to the CFPB the name had " XXXX. XXXX '' on all the documents they have failed to provide actual documents with my signature and 100 % veritable proof under the FCRA which states the proof has to be 100 % accurate and verifiable to report any information. How is this 100 %??? 


Police report of the allege debt occurrence REPORT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Experian Information Solutions Inc.
State: OH
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 filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.

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 2018-05-04
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2018 I opened an account with CIT bank and deposited XXXX. Since then I have been trying to transfer my money out after it cleared and they told me my account was under review. 30 days late and it is XX/XX/2018 and I am still not able to withdraw my funds from this account. They said it was still under review, are very vague with me about what's going on, never return my calls, and said they have no idea why I can't access my funds after 30 days of it being on hold for a so called review. This is a horrible bank. I just want to transfer my money out of this account and close it but they won't let me. And they told me they would send something in the mail to me. They dont even know what it is they are sending me and can't tell me. I've called 8 times over the course of a month and never received anything. I just want my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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:
A collections notice was put on my credit file even though I have a receipt showing the balance was paid in full many months prior to when the collection was filed. XXXX and XXXX have both removed the collection from my credit file but Equifax refuses to remove it. I have opened a dispute with them and they closed the investigation without removing the collection. I called them and they said that even though I had submitted the receipt that they were unable to remove the collection from my report. They then said that they could open another investigation. I have a mortgage that is on hold right now because they can not underwrite it with open disputes on my credit file. It's been over a month and I need this done!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: PA
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 sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, XXXX and Experian. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: HI
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 am writing to file a formal complaint against Experian, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, Experian has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with Experian, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.

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 2019-05-05
Company: Experian Information Solutions Inc.
State: AZ
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 have disputed several accounts with Experian over the last few months for inaccurate information. These 3 accounts are all showing wildly different dates of last activity among the 3 different Credit Reporting Agencies. After disputing the three accounts and having received the " results '' from Experian the " dates of status '' on my report did not change, which tells me they did NOT perform a proper investigation. The letter read that the following 3 accounts were " updated ''. They " updated '' the " balance reported '' date. How is this an update? 

I then requested proof and method of investigation from Experian and received a " will not reinvestigate '' letter. I have never been sent ANY verification of the date of last activity or date of first delinquency. The 2 XXXX  accounts look as though they are recent accounts on my credit report but are not. They are re-aged. How is this legal? I thought information on credit reports was supposed to be complete, accurate, and verifiable. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Thank you for your help in 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 non-monetary relief
Consumer complaint received 2017-11-22
Company: WELLS FARGO & COMPANY
State: FL
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:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XXXX 2017 because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX 2018 on my credit card accounts.

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 2019-05-05
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for Barclays XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and was immediately approved for the card. 

I followed up after about a week of not receiving a card and they sent out a new one on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still have not received the 2nd XXXX XXXX credit card that was sent to me. I called customer service and the automated robot system told me they could not find an account under my date of birth and social security number.

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 2018-08-07
Company: AES/PHEAA
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: Reporting company used your report improperly

Complaint:
Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I use an application on my cell phone called " Cash '' this app is from the Square company, I made a money transfer to a friend of mine for XXXX dollars, she had not received the payment, then checking my Cash app account I observed XXXX additional transactions made transferring money for XXXX dollars, I have not authorized at any time, this situation worries me and I send an email to the customer service and they ask me for all my personal information and the description of fraudulent transactions to investigate, these events occurred on On XX/XX/2019 at XXXX p.m., I still await answer from the Cash app company belonging to Square for this unpleasant situation that I have left without my monthly income to pay my bills and feed my XXXX children, I hope your cooperation, Thank you.

Company response to consumer: Closed with explanation