BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: CITIBANK, N.A.
State: TX
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:
I have a unique situation that I find completely bizarre. I have contacted Citi on numerous occasions to stop transferring {$560.00} from my Checking account to my Citi Advantage Credit card.I have called, I have used online chat, I have even written and NO ONE from this company will help me. It seems like such a simple thing to turn off but everyone keeps telling me they are manual transfers. I have n't lost my mind. I am not transferring {$560.00} myself every XXXX of the month. I have screenshots to show the manual transfer page that has no history of the {$560.00} transfers. I have screenshots of my bill pay page that shows no bills to my credit card. I have screenshots to show I have no auto-transfer and no auto-pay set up between my checking account and my credit card. Every time I contact them, they do not take me seriously. 

I have yet to receive a response to my written complaint that I sent via first class mail. I would n't be surprised if they denied ever receiving it. It 's a shame because I have been a Citi customer for nearly 10 years now.

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 2021-12-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX, illegally repossessed vehicle. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the vehicle was already sold over my contract balance satisfying amount and refund due to me. XXXX XXXXXXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

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 2023-05-25
Company: TRUIST FINANCIAL CORPORATION
State: OH
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:
A credit card was opened in my name from Truist bank with {$9200.00} past due balance. I did not open this line of credit or use the credit for purchases. It is fraudulent

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 2022-02-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 I disputed an account with XXXX XXXX that's listed on my credit. I have stated each time that the account doesn't belong to me and the account has just been updated. There has been no resolution and it's hindering me from buying a house for my family. The name on the account isn't my name. I have filed a police report showing that I don't know who opened the account and it needs to be removed immediately.

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 2023-05-25
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Urgent Request for Removal of Fraudulent Account and Debt from Credit Report Dear Sir/Madam , I am writing to bring to your attention a critical matter regarding fraudulent activity associated with an account created under my name without my consent. I recently discovered that an unauthorized Citi Custom cash card was obtained and utilized fraudulently, resulting in a total outstanding balance of {$4700.00}. I must emphasize that I did not apply for this card, nor do I have any banking relationship with CitiBank. 

As a victim of identity fraud, I kindly request your immediate assistance in addressing this issue promptly and thoroughly. I ask that you take the necessary steps to remove all traces of this fraudulent account from my credit report, as it is negatively impacting my financial standing. 

Please note that this request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and the rights it affords consumers. Under the FCRA, it is crucial to rectify any inaccuracies or discrepancies on my credit report, particularly when they involve debts that are not mine. I kindly request that you expedite the resolution of this matter to ensure the accurate and fair representation of my credit history. 

While I have not provided a credit report at this time, I assure you that the fraudulent account in question is causing significant distress and financial hardship. I am prepared to provide any necessary documentation or information required to assist with the investigation and resolution of this matter. 

I understand that investigating and resolving such matters can be time-consuming and complex. However, I urge you to prioritize this case due to the substantial financial impact it has on my creditworthiness and personal well-being. I kindly request that you keep me updated on the progress and provide me with a written confirmation once the fraudulent account and debt have been removed from my credit report. 

I appreciate your attention to this urgent matter and look forward to a swift resolution. Should you require any additional information or have any questions, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and cooperation. 

Sincerely Yours.

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 2022-02-03
Company: ERC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Enhanced Recovery Company is in federal violation of 15 USC 1681, violation 15 USC 1692b. ( 2 ) and violation 15 USC 1692d

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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 noticed on my credit report multiple phone collections all opened around the same time. I have never had a phone bill in my name I have been on my parents phone plan for the last XXXX XXXX and before that I was on my grandmothers plan. I would like these removed from my credit report. I am trying to work on my credit to be able to buy a house.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I requested that they delete the public record off of my report to maintain the integrity of my report if they can not verify directly from the source which would be the bankruptcy court. These agencies have denied my disput and marked them as completed and stated they determined that the information was accurate. Third party agencies are insufficient for the proper and accurate investigation and I have attached a letter from the court that states they do not report nor verify public records to the credit bureaus therefore they have not possibly been able to complete a true and accurate investigation which infringes on my rights and the FCRA. It appears that unfair and unreasonable procedures are in place. Prompt attention and reinvestigation is requested in order to comply with federal law

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 2022-11-21
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have had a card with them for years and had financia hardship. I went on a payment plan and within a year it was paid off. Now when this happened again they did nothing to contact me or attempt to make a plan and sent it to collections without my knowledge. This is illegal and I demand retraction immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated or corrected immediately : 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 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 2018-08-01
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: Account status incorrect

Complaint:
In 2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's 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 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX BANK OF AMERICA made attempts to collect on a bankruptcy discharge zombie debt. On XX/XX/XXXX the debt was discharged and BANK OF AMERICA was notified by the the BANKRUPTCY Clerk and i of the discharge. Yet BANK OF AMERICA continues to infringe on my rights and entitlements afforded to me by the BANKRUPTCY discharge. My property is exempt under the BANKRUPTCY exemption rules and Homestead act.

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 2022-11-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am filing a formal complaint against Equifax Information Services, LLC. On XX/XX/XXXX, I disputed the validity of the payment history for the XXXX XXXX XXXX XXXX - XXXX XXXX  account. 

On XX/XX/XXXX, Equifax advised that my disputed information has been verified as accurate and other account information was updated. 
Can you please advise how it is accurate that this account was current in XX/XX/XXXX, and then charged off in XX/XX/XXXX? 
Can you please advised how the account had a balance of {$1200.00} in XX/XX/XXXX, a payment of {$160.00} was made, but the balance did not decrease and remained at {$1200.00} in XX/XX/XXXX? The subtraction methods I learned in school seem to say otherwise. 
I have attached my previous dispute from XX/XX/XXXX, the Equifax response, and an updated credit report from XX/XX/XXXX. 
This appears to be a violation of the FCRA and I hoping that you will be able to provide assistance with getting this matter resolved. 
It is extremely petrifying and concerning that I dispute inaccurate and incomplete information, its verified as accurate and then MORE inaccurate information is reported. DELETE this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, INC.
State: NC
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 have disputed the late payments on account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Source Receivables Management LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 Source Receivables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Reference Number : XXXX Dear Source Receivables Management, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/2023 and identified the debt as XXXX collection. 

I do not have any responsibility for the debt youre trying to collect. I have returned all the devices to XXXX per their agreement and provided pictures of the tracking numbers and packages that included all four phones ( 2 phones per box ). 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: GA
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 received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXX XXXX account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been notified on multiple occasions that the account balance is incorrect on this account. They have been notified through mail and verbally. These are direct violations of the FDCPA and the FCRA

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 2018-10-08
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This private student loan debt account that is reporting on my credit report ( Equifax ) for the amount of {$7000.00} was disputed and removed last year in XX/XX/XXXX. This then and now closed account is reporting different amounts on a monthly basis. If an account is closed how is the balance amount increasing? Last year in XX/XX/XXXX, this account reported the amount of {$7000.00} and in XX/XX/XXXX, this account reported the amount of {$7000.00} owed.This account has also remained on my credit report past 7 years with a date of XX/XX/XXXX being the last date of activity. This account has reappeared on my credit report in XX/XX/XXXX with no notification sent and with no recent account activity with a completely different amount for {$7000.00}. XX/XX/XXXX this account is reporting that I owe XXXX. The inaccuracy and lack of validity of this account is astounding and ridiculous at this point. This information has not been verified and it's apparent with the varying debt amounts. Equifax has violated Section 611 ( a ) ( 5 ) ( b ) of the FCRA. I, as a consumer, have the right to a notification within 5 business days upon reinsertion to the additional information of a previously deleted account. Equifax did not provide that information to me within the time frame of the law. Furthermore, this account is on my Equifax report past the 7 years of the date of last activity. As a consumer I have the right to receive documentation stating and showing when an account will reappear on my credit report. This account has reappeared in an effort to tarnish my credit worthiness with my recent efforts of obtaining credit to purchase a home. No documentation was sent to me that show the validity of this account. I have provided my SSN and State Issued ID has verifying documentation of identity. Equifax can't lie again and say that the identity verifying documentation wasn't provided because I have attached it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: DC
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 contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
WAKEFIELD AND ASSOCIATES  at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX, has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation