BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-29
Company: CITIBANK, N.A.
State: GA
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:
We filed the initial response with Citibank on XX/XX/XXXX. We have sent requested information to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The dispute was resolved in our favor and a permanent credit was issued on XX/XX/XXXX. We confirmed this permanent credit with Citibank via phone on XX/XX/XXXX and XX/XX/XXXX and were assured both times that Citibank would honor the permanent credit. The permanent credit was then reversed on XX/XX/XXXX due to the merchant 's response. We have requested the merchant response and have received 3 blank pages. We were told by a supervisor, XXXX, on XX/XX/XXXX that on his end the merchant response also showed as 3 blank pages. Today, we were told that there is in fact another page, which we are entitled to receive, but Citibank is refusing to provide us, relative to the merchant response. Out of an abundance of caution, we responded to the reversal and stated that we intended to continue the dispute and submitted yet again, the information that has been previously sent to Citibank on XX/XX/XXXX. Today, XX/XX/XXXX during one phone call we were told that the information we sent was input into their system on XX/XX/XXXX. Then, during a second call, we were told that we had yet to respond to their request. We have sent proof of our claim against the merchant, who fraudulently installed incorrect carpeting and refused to provide a final invoice for what carpeting was installed or any warranty information, more than 5 times at this point and would like our permanent credits reinstated. We have downloaded the correspondence from Citibank that on XX/XX/XXXX they found in our favor and issued permanent credits which they have now reversed.

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 2023-06-17
Company: Synovus Bank
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 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 2023-02-21
Company: Experian Information Solutions Inc.
State: WI
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've called all three bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to XXXX ( tracking # XXXX ) Experian ( Tacking # XXXX ) XXXX ( Tracking # 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 2017-09-18
Company: Diversified Consultants, Inc.
State: CO
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:
Diversified Consultants Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : XXXX This letter is sent in response to a negative entry on my credit report posted by your company. 

I have not ever received notification from you regarding this debt as required by the Fair Credit Reporting Act ( FCRA ), Notice of Negative Information Provision Which is Part of the FACT Act 623 ( A ) ( 7 ). 
I was only notified of the debt and the account number with your company from a lender that requested my credit report. 

I am requesting that you provide validation of this debt and that you immediately remove this negative mark from my credit report as I was not notified as required. 

If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Colorado Attorney Generals office. 

Civil and criminal claims will be pursued. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Discover services closed my account and blocked my payment after an inquiry submission about a lost payment. After submitting a billing dispute and a CFPB complaint they closed my account and told me they closed it because we can. They will not investigate the late payment. It has been over a year. They have blocked my payments several times stating they now need the full amount. By doing so they caused harm by negatively reflecting false late payments to my credit and push the interest rates beyond XXXX XXXX XXXX  they also have pulled my credit falsely putting applications in my name then denying the applications. They have broken many laws and have committed crimes against me which has resulted in extreme hardship. They are now threatening to put me in collections without proper investigation and even in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and was astounded to see that I have a debt in collections. Ive paid all my bills on time and dont have a balance. Ive never had business with XXXX XXXX XXXX whatsoever. I do not recall ever signing up with any of their programs or phone plans. I suspect that my ex husband is behind this. He has a history of using my information and opening several credit card accounts and abusing them. Ive paid all of the debt hes put on my credit lines, but XXXX is not my debt to carry. It is a result of identity theft.

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 2023-06-16
Company: Resurgent Capital Services L.P.
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:
The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A XXXX XXXX card has been a part of my Chapter XXXX bankruptcy since XX/XX/XXXX. A few weeks ago the status of the card changed and it was no longer labeled as bankruptcy. It was showing as a delinquent account. I submitted a dispute and they updated it to be included as a part of the bankruptcy again, but my credit report decreased by about 24 points with an updated date for XX/XX/XXXX. Original date that XXXX became a part of the bankruptcy was XX/XX/XXXX. Status now states it is a petition for Chapter XXXX Bankruptcy/Never late. I do not know what made the card move from bankruptcy status to active status. I feel like my credit score was negatively impacted by someone's error to report it correctly with the bureaus, which is negatively impacting my credit.

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 2023-02-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX  XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, 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 2017-09-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am involved in a court case and needed a copy of checks written on my account from Citibank. I asked the bank to send me the copies of the cancelled checks. My attorney also subpoenaed a copy of my bank records. However the checks I received did not match up with the records my attorney received. They were the same account but different amount on the checks. When i asked a local branch manager ( XXXX ) she said she would look into the matter for me. She never got back to me. When I went into the branch again later, I met with an area VP XXXX, he also said he would look into the situation and we scheduled an appointment for the following week. The day before the scheduled appointment he called and cancelled the meeting stating he was not going to be in town and had to reschedule. We rescheduled the meeting for Wednesday XXXX XXXX at XXXX. An hour before the appointment his assistant called and cancelled the appointment stating he mailed me a copy of what his findings were and how to proceed. I have to this date not received anything and have been unable to reach him

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 2023-02-08
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove these erroneous items : 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 2023-03-10
Company: Capital Accounts, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this complaint to CAPITAL ACCOUNTS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.

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 2023-03-10
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have been without my new car since XX/XX/2023 due to a design flaw in the XXXX XXXX XXXX XXXX XXXX. Their inadequate undercarriage protection Ford is putting their owners at financial risk, and costing Federal and state taxpayers for a flawed product. 
XXXX XXXX XXXX in XXXX undercarriage protection is not made of a durable material. You have maybe expected plastic or metal in the past. Now it is a fabric material that I call Fordboard, that tears and leaves the highly sensitive electronic and the hybrid battery open for damage. This happened to me in the XX/XX/2023 storms in XXXX XXXX. I have been without my new car for XXXX months because, not only is the undercarriage not durable, but Ford refuses to divert replacement batteries for repair but continues to make the new cars so they can continue to make a profit with the help of Federal and State tax dollars. 
I was counting on gas savings with the electric vehicle in order to help pay for the car payment. I now have to pay full gas prices as well as the car payment. I bought the car because our family needed to expand our vehicles. I spent extra on this car to help reduce my carbon emissions. There are now more carbon emissions because of this which is contrary to why there are tax credits. Ford is gathering huge profits as a result of the changes to the tax credits, they are one of a handful of cars that are eligible. If they cant fix damaged cars, then the tax credits arent helping.

Ford refuses to warranty the situation. Ford refuses to pay for a loaner or rental car. Ford rejected my requests for financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a Direct Dispute through XXXX XXXX 's dispute center, and according to XXXX XXXX, the dispute was reported to TransUnion on XX/XX/2018. I've periodically checked back on XXXX XXXX to look at the status. This is what it says every time : Your dispute request has been submitted to TransUnion and is currently waiting for their review. You should receive an update in the next few days regarding the status of your dispute request. 

If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. 

It also had provided a file complaint number I can provide. 

On XX/XX/2018 I called TransUnion dispute center and the woman said she had to knowledge of the dispute being place in the first place. She was not helpful. I called back and go in contact with the question/concern department and the woman said she couldn't find them either. 

I explained I have been waiting 60 days for a dispute report, just to find out it was never properly taken care of by TransUnion. All the woman offered was to restart the dispute again, and wait an additional thirty days for a response. 

Here is what is included in the dispute that was submitted to TransUnion on XX/XX/2018 : * XXXX {$2600.00} * XXXX {$230.00} * XXXX {$140.00} * XXXX  {$820.00} * XXXX XXXX   {$30.00} * XXXX XXXX {$130.00} * XXXX {$710.00} * XXXX {$120.00} *XXXX  {$1000.00}

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 explanation
Consumer complaint received 2019-03-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
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:
ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IF. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX at, XXXX, XXXX, OH 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 2021-05-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My Identity was stolen by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX or " XXXX  '' in XXXX. This is the subject of the property located at XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX. ( Two Counterfeit XXXX  Mortgages were REGISTERED in the XXXX  Database on the property address which is the subject of both SEC XXXX and XXXX XXXX XXXX Claim # XXXX. ) Additionally, I have recently been sued by Debt Collector, Attorney XXXX XXXX ( XXXX ). After he filed suit against me for a XXXX XXXX XXXX XXXX, XXXX sent me a " XXXX Early Warning Letter ' notifying me of " suspicious activity '' on my closed account ending in XXXX. After speaking with XXXX at XXXX XXXX Department ( XXXX - reference # XXXX ) and verifying that the account was CLOSED, she said that she did not have any information in regard to the account. I called again on XX/XX/XXXX and spoke with both XXXX and XXXX who both told me that they could not give me any information as they needed to verify my identity by text. Neither of them sent me a text. I request to know exactly what the " suspicious activity '' was on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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:
I am reaching out for you to delete the following information in my file. A full description of the items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items are completely and fully deleted to correct my credit report. I've reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I received a letter from Aargon Collection Agency stating that I owed {$170.00} to XXXX XXXX XXXX. The letter is dated XX/XX/XXXX, and has an " XXXX Account '' number listed. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone to inquire about this debt and was told not only that I have NO outstanding balances ( {$0.00} ), but also that they have never referred ANY medical debt in my name to Aargon Collection Agency. I then called Aargon Collection Agency, the letter listed a number to call as ( XXXX ) XXXX ext. XXXX. I spoke to the representative and was told that I owe this amount, and that they are unable to contact XXXX XXXX XXXX since they had already made a decision that I owe the money, and that I must pay. I do not owe this money, as was confirmed by XXXX XXXX XXXX when I spoke to them today. XXXX is trying to extort money from me, an elderly person.

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