BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted disputes with tranunion and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with XXXX  nearly a month ago. It is still on my credit report with a balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a pair of shoes on XX/XX/2023 from XXXX using my citibank credit card. XXXX is a company that is supposed to act as a middleman to verify the authenticity of shoes. When I received the shoes I tried to verify them myself and I determined they were fake through using a verified XXXX channel that compares real vs fake shoes. The shoes I received were consistent with the fake pair the XXXX was displaying. I submitted a claim to XXXX within their 3 day guarantee they denied it based on saying I did not submit the correct pictures. I believe that this is impossible because you can not click submit on the form until all the requirements are satisfied. Then I tried to resubmit this claim with the shoe company and they denied it. This is when I escalated it to citi bank. After their investigation and receiving information from the shoe company, Citi gave me about a month to respond. In all honesty I had drawn up an email to Citibank on my phone with all the requested information and believed I sent it. However about a month after I thought I sent it I checked the Citibank phone application and they said they never got the email I sent and ruled in favor of the merchant. After asking them to reopen they declined, and now Im responsible for paying to fake shoes that I bought from a company who are supposed to verify that shoes are legitimate.

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 2017-12-20
Company: Equitable Acceptance Corp
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A third party company called me and lied. A representative named XXXX XXXX from FirstFedloan.org, or Equitable Acceptance, said that he was from the Department of Education, and that he was going to help me resolve my student loan debt. 

He is NOT from the Department of Education, and instead of directing me to them, he posed as them and collected money from me. He is still collecting money from me. 

When I called to the Department of Education, they informed me that I was scammed. They said that this third party did not use my e-mail to create an account, but used an e-mail ending in " XXXX. '' This e-mail does not even exist. This fake e-mail was to prevent me from receiving communication to let me know the scam that was being done to me. 

XXXX XXXX posed as me, stole my identity, collected my social, and proceeded to create a Federal Student Loan ID and XXXX XXXX ID without my permission. 

He also set up a direct deposit with my bank to his company. 

When I called to Equitable Acceptance to complain, they said XXXX XXXX got promoted and could not speak to me. 

They also used the analogy that they are like a dentist - - they know the customers need dental work, but can not do it themselves, so they do the work for customers. 

This is a complete lie. The Department of Education has people and processes in place to do this line of work. 

XXXX XXXX, Equitable Acceptance, firstfedloan.org, are criminally and unecessarlity taking money from people and creating accounts with personal information in order to fatten their wallets. 

Please - - they need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2021 I received a notification that a bill from Wakefield & Associates had appeared on my credit report. I wrote the company and asked the for the required proof of the debt and also notified them that I had never received notice of the alleged debt. Because of that they should remove it from my credit report. When they hadn't responded as of XX/XX/2021, I wrote them again and requested the proof. On Friday, XX/XX/XXXX, I received a statement compiled by Wakefield & Associates showing an alleged debt from XXXX XXXX XXXX XXXX  XXXX. Still I have not received any proof and they have not addressed my complaint that I did not receive notice of the debt so that I could dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: I.C. System, Inc.
State: CA
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:
I am disputing this account as my consumer rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. On XX/XX/2021, I.C. System, Inc mailed me a demand letter which I received on XX/XX/2021, on XX/XX/2021, I noticed that I.C. System, Inc reported a derogatory account to the CRAs which is a violation of my consumer rights because under 15 U.S. Code 1692g ( a ) NOTICE OF DEBT ; CONTENTS a statement that unless the consumer, within thirty days AFTER receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

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 2015-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Accounts Balance XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$400.00} XXXX XXXX {$2800.00} XXXX XXXX {$3200.00} XXXX XXXX {$900.00} XXXX XXXX {$800.00} XXXX XXXX XXXXXXXX {$460.00} XXXX XXXX XXXXXXXX {$620.00} XXXX XXXXXXXX {$620.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$600.00}

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 2021-08-09
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is to advise you in writing and formally that FCI 's end of term tactics of : 1. sending end of term correspondence to an address where they DO NOT bill me and have full knowledge that I do not reside and at which I do not receive mail is explicitly contradictory to the intent of truth-in-lending legislation.

2. FCI failing to respond to email correspondence from me advising FCI of the correct address for any and all such correspondence, which is in fact the same address FCI has used to send mebilling statements for every month of the term of the loan is also explicitly contradictory to the intent of truth-in-lending legislation.

3. FCI failing to respond to phone calls after leaving contact phone numbers in their phone system is also explicitly contradictory to the intent of truth-in-lending legislation.

4. Automated hang-ups from FCI phone system on callers who are attempting to leave their phone number for a call back from your firm after your system represents that caller will not lose their place in line is explicitly contradictory to the intent of truth-in-lending legislation.

FCI has an affirmative duty to operate in accordance with ALL END OF TERM LEGISLATION ON ALL LOANS SERVED BY FCI.

This correspondence is therefore being forwarded to the truth-in-lending regulatory board to notify them of the further dishonest operations of FCI.

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 2020-10-23
Company: Experian Information Solutions 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:
To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX Credit Report Changes Addresses added to Equifax Identity theft XXXX XXXX XXXX/ Do not use Equifax Equifax needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates 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 2023-08-07
Company: Experian Information Solutions Inc.
State: MI
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:
If after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or can not be verified, the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the reinvestigation. 

Hello I have found inaccurate reporting information from XXXX XXXX. The account ending in XXXX XXXX XXXX XXXX XXXX. I have called, wrote, text the creditor several times. It has been over 6 years that this fraudulent account been on my Experian credit report. 

XXXX indicates that the account was for XXXX. Now Experian is reporting XXXX, XXXX as a write off. I've noticed there are different XX/XX/90 past due dates on both agencies. 

This reporting has been damaged my credit over 100 points for 6 years. I lost numerous of advancements in living, financial and personal. Due to this inaccurate information that's being reported by 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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had an account opened in my name with someone that used my identity. I reported fraud to Bank of America and they have yet to send me the information on how the account was opened. Ive spoken to the fraud department several times. Im speaking with them now on XXXX - XXXX from XXXX Bank of America Fraud department. 

I keep getting statements from Bank of America. 

I provided an email and they are sending again. I need Bank of America to close my account and stop sending me statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance Owed : {$740.00}

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 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 2022-12-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased 3 products from BestBuy on XX/XX/XXXX and used My BestBuy credit card issued by the Citibank for their 18-months no interest payment plan. The customer service desk person at the local BestBuy store in XXXX, NC had set up {$85.00} monthly installment for the period of XX/XX/XXXX through XX/XX/XXXX. I was not informed why and how they set up this monthly {$85.00} amount. At the end of the 18-months plan, in XX/XX/XXXX $ XXXX a balance payment, which they never notified me and charged an interest of {$550.00}. So, total balance went up directly to {$700.00}. I noticed this unfair business practice in XX/XX/XXXX as I saw that my monthly payment was and is still being paid from the autopay arrangement. 

I went to the local BestBuy store in XXXX, NC and reported this issue to their customer service desk. Although, My BestBuy card was issued and all the business was done at their desk, they refused to accept their responsibility and said that " this issue is with the Citibank and we can't do anything. '' So, I talked to the Citibank customer service over the phone. As problem did not resolve, two days later I again called Citibank customer service and this time talked to their supervisor. She was little considerate and said that she has put a note for her supervisor ( so, it was supervisor 's supervisor ) as he was not there due to the weekend. I again called on Monday with reference to that note. But the person that time said, they can't do anything and closed my account without any resolution and reported to credit bureau that will affect my XXXXredit score, which I earned over a decade with honesty. 

Now I am helpless to know, XXXX. Why and how monthly installment of {$85.00} was set up without my knowledge and XXXX. Why I was not notified at least once of the balance amount of {$150.00} that I could have surely paid right away and avoided these complications. My history with them is all loyal and clean. This is ridiculous that an interest of {$550.00} is charged on the balance of {$150.00} and no one is taking responsibility to treat me fairly. 

Hence, I am reaching out here to seek justice for me. 

Thank you Best regards

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