BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Someone made unauthorized charge on my CITIBANK card I went into their branch on XX/XX/2020 at XXXX XXXX XXXX and reported that someone used my card illegally. I also sent them a letter on XX/XX/XXXX that I DID NOT MAKE ANY OF THE CHARGES at XXXX. They have no reversed these charges, they have added late payments onto my credit card and have reported me 4 months late for a charge that I never made in the first place. 
It is now XX/XX/XXXX, and so far I have wasted 10 minutes on the phone and now being transferred to representative number 3, who is unable to help me. 
Something is very wrong with this card servicer.

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 2021-03-04
Company: Betterment LLC
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Debit card and checks received in the mail from XXXX XXXX  for XXXX XXXX. I did not order them and never heard of that bank. Called to cancel that account. 

Debit card from Betterment Bank received in the mail for XXXX XXXX. He did not order, or ever hear of such a place. XXXX ( husband ) called to close the account. He was told the account was already closed and the person who opened it was already fired. 

Both occurred AFTER we put a freeze on our accounts. We have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : 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 explanation
Consumer complaint received 2021-03-04
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: Account status incorrect

Complaint:
At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to XXXX  inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through XXXX, which I did. After asking three different XXXX XXXX XXXX for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the XXXX  dispute. As per XXXX, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.

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 2018-03-09
Company: NAVY FEDERAL CREDIT UNION
State: CT
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:
Again I have the same issue with Navy Federal credit Union with my credit card reporting. I spoke with a representative on XX/XX/2018 and made my payment before XXXX XXXX  as they stated. I asked the representative, and I want the called pulled this time and Navy Federal to listen to it, if my payment was going to post for that day and she assured me that it would. I said okay. When my credit reported it did not show the paid balance. Again Navy Federal told me false information and the representative assured me that the payment would be applied the same day. Now when I receive my payment notice it will say I paid on the XXXX. I don't know why I keep having this issue with this company all of a sudden

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
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:
I XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Equifax is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Equifax is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Equifax is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Penn Credit Corp on XXXX/XXXX/XXXX regarding an account noted on my XXXX Credit report for {$900.00}. The orginial Creditor Name is XXXX XXXX and it was opended on XXXX XXXX, XXXX. I spoke to the representative and she was not able to find any account with my ssn. The only account that was on file was a XXXX XXXX account for XXXX which was removed from their system on XXXX XXXX, XXXX. There was no further information she can find in their system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: MiraMed Revenue Group LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ( XXXX ) failed failed to bill my health insurance for a boot and crutches ( " medical supplies '' ) I received ; instead, XXXX erroneously billed my hearing insurance for TWO clinic appointments. Under my health insurance, XXXX, medical supplies are fully covered, requiring no payment from me. However, because XXXX failed to submit the charges correctly, they are now trying to collect the debt from me. XXXX has admitted that the charges resulted from XXXX XXXX own billing error. Rather than taking action to correct its error, XXXX has continued to pursue collection efforts against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: NY
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, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602A states I have to privacy 15 U.S.C 1681 section 604A its also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters to Portfolio Recovery seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Rocket Mortgage, LLC
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: Investigation took more than 30 days

Complaint:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/ and my second letter to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Malcolm S. Gerald and Associates, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother keeps receiving calls ( twice in XX/XX/XXXX and one at the end of XX/XX/XXXX ) from Malcolm S. Gerald and Associates regarding debt that has been paid in full more than 7 years ago. I have copies of my credit reports ( upon your request I will forward ) showing this debt has been paid, and there is no other delinquent debt in my name. I have also never received a debt validation statement or any kind of written communication proving I owe this debt after any of the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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 have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my Equifax credit report. I have contacted them to remove these inquires and they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified through my credit monitoring system that my score had dropped substantially on XX/XX/2020 due to a collection account that was reported on my credit. I immediately disputed this because it's not mine and requested the Credit Bureau to verify the debt. The Bureau came back and said it was verified but did provide me with any supporting documents showing this. I have tried disputing several times with no resolution so I'm taking this step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I am a senior, XXXX  years old. 
You have stated to me that I am not the person submitting this information. You are wrong. I am able to read, write and speak ENGLISH better than you. I suggest you do your job and fix my report and remove these invalid entries. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX ACCT : XXXX AMT  : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$620.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$75.00} XXXX. XXXX XXXX XXXX ACCT : XXXX AMT : {$59.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax   and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question.

Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This CFPB complaint that I am filling is in response to my multiple attempts with XXXX XXXX and TransUnion to resolve my concern. XXXX  XXXX XXXX is reporting as Authorized User in my credit report. XXXX I request to be removed from this account explaining that I never wanted to part of this account but my Aunt added me thinking that she can help me build credit. But I never wanted it and now that she went through hard times this account is now reporting late payments and negatively affecting my credit score. Even I have been removed Bureau Code : Terminated from the account this account continues to report in Transunion and still affecting my credit score. I need Transunion to delete this from my credit report. I don't want this account affect my credit score that I am now trying to build.

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 2021-02-24
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a Debit card from US Bank ReliaCard. It was unsolicited. 
I called the toll free number, XXXX and was told another division handled that card. 
They transferred me and I was immediately hung up on. I called again and told them I would contact you. They transferred me and immediately hung up again.

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 2021-03-04
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Synchrony Bank XXXX located in XXXX, Alabama. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2023-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to the Huntington Bank branch on XXXX XXXX on XX/XX/ and they did not allow me to withdraw my money. 

Claim Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
Violations of right providing inaccurate information ; and, in accordance to Fair Credit Reporting Act this credit has violated my rights under 15 USC Section 602 - rights to privacy ; 15 USC 1681 Sec. 604 ( a ) Sec. 2 - Agency lack written instructions ; 15 USC 1666b - Timing of payments ; 15 U.S. Code 1679c - Disclosures ; 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigation of Disputed Information -

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 2022-12-14
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Equifax, On XX/XX/22 I have received your response from my complaint regarding XXXX XXXX account stated that XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : PAST DUE, XXXX XXXX, ACCOUNT HISTORY. 
As I mention before this account does not belong to me and I wanted to be removed from my CONSUMER REPORT. I have never do business with XXXX XXXX or any company associated with XXXX XXXX. As I stated before this account is only reported on EQUIFAX not on any other XXXX Credit Bureau Agencies. This is causing my so much stress and I am loosing my mind over this account that is stoping me from getting approved for credit and to moved forward on getting a place to live with my son. 

PLEASE REMOVED XXXX XXXX ACCOUNT XXXX OFF MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After checking my credit report today I notice a bunch of unauthorized Inquries. 

XXXX XXXXXXXX XXXXXXXX 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 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