BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-22
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX 2015 Citibank reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called Citibank earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

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 2023-01-01
Company: EQUIFAX, 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:
The credit reporting agency is reporting information that is inaccurate. I notified them of these inaccuracies in XXXX and they have yet to respond and it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
The following companys are using my information without my consent. I asked each and every company to validate proof that I gave them consent to use my information and place negative information on my credit profile. After numerous complaints to the companys no action was taken. I demand that these companies remove these negative remarks off of my credit file due to the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, 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 AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX  : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 had problems with my payment the pandemic came I lost my job, now I am working I am paying it but it is making it difficult for me to pay it in full since I depend on my work for all my expenses and I would like you to help me remove my debt please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/2020 I purchased online a Sears Shop Your Way refrigerator, XXXX XXXX and an ice-maker to be installed when delivered for {$170.00}. By XXXX, the refrigerator never arrived as promised to the XXXX XXXX store and I cancelled the order. Meanwhile, the icemaker arrived right away and it remained in the box unopened. SSYW continued to bill me monthly on the promise of delivery. After making payments monthly, SSYW changed their website for payments and charged me late fees for the cancelled orders. Speaking to them on the phone brought promises of sending me a shipping label for the icemaker after they passed the request of " my manager ''. Finally, they announced the icemaker had a " 30 day return policy '' from date of purchase. I asked them to prove the policy and they refused. Attached it our email back and forth. They attempted to send me a check for {$190.00} and change which I threw away as I did not wish to cooperate with the " 30 day policy of no returns ''. Therefore, SSYW can not show any payment for this amazing hassle of trying to buy a product for our XXXX, and including the {$20.00} postage for sending the icemaker back, attached, and the payments on the non-existent refrigerator, I am owed {$480.00} by Sears Shop Your Way. The account remains open as far as I can tell.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I tried to deposit two checks from the US Treasurer for TSP withdrawals and at first my bank 5/3rd made the funds available. Then a few days later we noticed I did not have online access and our accounts were showing overdrawn by almost a millions dollars combined. Upon calling we were told the were returned for fraud and my account is being reviewed for closure. I verified checks by calling the TSP disbursement FBO. I provided a letter for payment confirmation from the TSP on the checks and my account is still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: BARCLAYS BANK DELAWARE
State: NY
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 balance transfer

Complaint:
On XX/XX/2018 I started a balance transfer between a new Barclayscard and an existing XXXX XXXX credit card. In mid XXXX I got charged with a fee by XXXX XXXX for lack of payment. Once I contacted Barclays they said they send the funds. After many calls they started an investigation and told me it will take 25 business days to track the funds. Friday XX/XX/XXXX was the 25th day and no supervisor in customer service has an answer. During this time I have paid Barclays {$600.00} for monthly payment and have been charged interest and late fees by XXXX XXXX. I feel helpless because Barclays did not meet their own deadline and all I am told is to wait for a decision.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent the 3 credit reporting agencies ( XXXX, XXXX  Transunion ) 4 letters disputing the items below on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must  remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX Transunion and XXXX  has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.

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 2021-05-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My business account that I sent up through Chase had been erroneously restricted since XXXX XXXX XXXX. I have been blocked from using the account and can not withdraw my funds due to the restrictions. 

When I tried to fix my account I got the run around. The customer service can't fix my account, the branch couldn't fix my account and Compliance couldn't fix my account. It is now XX/XX/XXXX and I can not gain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call on XX/XX/19 at XXXX from Nationwide Recovery Services . They attempted to collect personal information such as mailing address, but they never identified themselves as a Debt Collector or that the call was in an attempt to collect a debt. Ms. XXXX the representative on the phone said that she was going to log my refusal, but I was refusing to give any information as I did not know the reason for the call or the company she was representing. I had to get that information through calling back the number received. I am not aware of any outstanding debt. 

By failing to identify themselves as a debt collector and that the call was in relation to a debt and that the call was an attempt to collect a debt, I feel this is a violation of the Fair Debt Collection Act. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC is trying to collect on behalf of XXXX mobility. I am being billed for a good I never received. Two XXXX, XXXX never mailed has no history of mailing me anything, never activated the never received phone. This has been going on again since XX/XX/XXXX. They all send me to different sections XXXX customer service, billing and collections. Then, collections tells me to contact ERC and they will call and XXXX agent can advice the Bill should be removed. My credit has been negatively impacted. I signed up for XXXX at XXXX, they did not have phones they would be mailed. This was XX/XX/2019. I cant believe they tried to tell me to pay XXXX of the XXXX. I told her not a XXXX for something I did not ever receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We received a phone message mid XXXX to call XXXX XXXX to discuss a request to increase our credit line on our Lowes card. I check my Lowes card and the balance was zero. My last activity on that account was XXXX XXXX. I did not call the number back because I felt this was a phishing scheme. 

Then we received a letter dated XX/XX/XXXX stating that my credit bureau report was not accessible so they were unable to grant the increase. I called XXXX XXXX after reading the letter dated XX/XX/XXXX and informed them I had not made the request for an increase to my credit limit. I asked them to close my account. They asked for my SS number which I would not provide. I was n't sure if this letter was a scam or not so I hung up. 

On XX/XX/XXXXwe received a letter dated XX/XX/XXXX stating they had closed my account and I had a balance of {$8000.00}. I called the bank onXX/XX/XXXX after we got that letter and my wife spoke with XXXX who gave her employee number as 'XXXX '. XXXX stated they would turn it over to the fraud department and it would take 30 to 45 days to resolve. She said we should not make any payments and they would not report the account as delinquent to the credit bureau. 

I called XXXX XXXX on XX/XX/XXXX after we received the Lowes statement which is due XX/XX/XXXX. I was told the Bank knew the charges were fraudulent but it would take 45 to 60 days to remove the charges. 

I have filed a police report with the XXXX Police department and the report number is XXXX. I have made contact with one of the two Lowes stores where these charges were made. I with XXXX XXXX, Customer Service Manager, and he has turned this account over to their loss prevention department. 

Neither my wife nor I made any of these three these charges at Lowes. I request that Lowes and XXXX XXXX remove these charges from my account history and report to the credit bureaus that this account was closed per customer request because of fraudulent charges.

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 2023-07-06
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an + open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: North Shore Agency, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from North Shore Agency for {$29.00} for a subscription to XXXX  XXXX magazine. I do not subscribe to this magazine. The letter offered an " opportunity '' to resolve the account and receive the full benefit of the " subscription order placed ''. No order was placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: NCC Business Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCC business services is reporting I owe {$1000.00}. This was joint debt for an apartment. I filed suit and won in small claims court against my roommate, XXXX XXXX XXXX. He is fully responsible for this debt. I have provided all documentation to NCC business services. They refuse to accept it. I have asked for debt validation and they have not produced any documentation. I do not owe this debt any longer and I want it removed from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: FL
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 did not give these companies permission to pull my credit reports. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: NC
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 have received a copy of my credit report and it shows company XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX sends letters saying I owe {$230.00} I disputed it based on identity theft. It was not my credit card, someone opened it in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/24 I was contacted by a buyer when selling my daughter 's prom dress through XXXX XXXX. The buyer sent payment through Zelle. I then received an email asking to upgrade my account by adding additional money or I would not received the money for the dress. I offered to refund the money to the buyer as I did not want to send additional money. When I sent the money through Zelle, I then realized I'd never received anything and the emails were scammed. I contacted Zelle who hung up on me after saying I had to contact XXXX XXXX. I also requested money via Zelle to the buyer which was declined. XXXX XXXX can not stop the transaction until it is posted and not pending. I once again contacted Zelle and was cut off and hung up on even after saying I wanted to report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: NY
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 asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX  I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed

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 2022-04-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We sent our final payment for the Infiniti auto loan when we sold the vehicle. The company that bought our XXXX XXXX  paid the payoff in full, but we already had our monthly payment scheduled through the online bank. Infinity cashed this amount of {$570.00} and refuses to refund it. Our bank confirms that this account was posted and withdrawn by Infiniti on XX/XX/XXXX. We called a number of times and receive different answers from Infiniti, and they are still refusing to send us our money back.

Company response to consumer: Closed with explanation