BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: CITIBANK, N.A.
State: IA
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:
Sent in a handwritten dispute to Transunion on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is Macys /DSNB. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to Macys on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my XXXX credit report also. What I discovered is that Macys/ DSNB did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow Macys is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, XXXX and Macys have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate 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 2022-10-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple fraudulent Bank XXXX XXXX inquiries on my credit report I have never applied for a Bank XXXX XXXX checking account. Ever. XX/XX/XXXX Received notification from XXXX XXXX XXXX Bank XXXX XXXX declined to open a bank account on my behalf because of information XXXX XXXX XXXX provided. I called XXXX XXXX XXXX and advised they were violating my rights and providing unauthorized information. The agent responded they were contacted. And again explained I never gave them permission to access my information. Then I called Bank XXXX XXXX and they acknowledged someone tried to open an account but they blocked it. I again explained the inquiry was fraudulent and not made by me. That did not invoke any further action. Now it is XX/XX/XXXX and again received notification of a Bank XXXX XXXX hard inquiry on my credit report. Fraudulent application. I have never applied for a bank account with Bank XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2017 Citibank charged me {$1500.00} for 2 fraudulent transactions that weren't made by me. Now after 2 years, Citibank added {$1300.00} in interests and fees and sold the debt to multiple collection companies. One after another tried to collect the same amount of money from me. 2 weeks ago, XXXX XXXX XXXX agreed not to contact me anymore for the debt. Today, XXXX XXXX XXXX contacted me to try to collect {$2500.00}.

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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion reported collection agencies to my Transunion credit report, so I sent 3 rounds asking for validation of debt and in return they said the debts were verified by sending bills. NO CONTRACTS WITH SIGNATURES like i asked. Please help. Attached are dispute letters i sent to Transunion and the bills and responses they sent me.

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: Experian Information Solutions Inc.
State: CA
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 have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.

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 2020-09-02
Company: Atlanticus Services Corporation
State: OR
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:
In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. Fortiva account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. XXXX XXXX I had a XXXX credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/2019 my Capital one Credit card was billed {$13.00} for Prime Membership by XXXX XXXX which was later credited to the said account because I cancelled and joined up through a family. 
I was receiving constant notices online since XX/XX/XXXX by Capital one that my account has missed payment and later, late payment to which interest was added.I have electronically replied to these notices without any reply in return so I printed these letter written and mailed them out to the dispute department on XX/XX/2019, XX/XX/2019 and a registered mail, mailed on XX/XX/2019 with all the proof given. 
Capital one later sent my account into collection on XX/XX/2019 and reported this to the three major credit bureaus with a late payment balance of {$94.00} which they said was reported a ccurately. 
I later found out that they closed the account for being more than 90 days late. 
Below i have added the letter sent to me by the billing company .XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank allowed someone who stole my Identity to open two accounts ( XXXX  XXXX XX/XX/2015 ) and XXXX XXXX XX/XX/2015 along with a few other Synchrony Bank store cards. These account were open as part of a person who stole my identity living as me for quite some time even attempting to make payments to keep the theft ongoing. they were notified numerous times over the last 4 years about this yet stated my claims were invalid and basically called me a liar, They have since gave no relief or help in this matter and continue to ignore me. 4 years has been long enough for them to resolve this matter

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 2020-09-02
Company: Experian Information Solutions Inc.
State: MD
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 dispute to Experian, XXXX, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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 2019-08-10
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In or about XX/XX/XXXX, we hired XXXX XXXX & XXXX, XXXX ( " XXXX & XXXX '' ) to assist us with recovering XXXX XXXX XXXX Working Capital rendered to XXXX XXXX aka XXXX XXXX , XXXX. ( " XXXX '' ) in the amount of {>= $1,000,000}. We agreed to secure XXXX & XXXX XXXX Attorney fees in the amount of {$200000.00} with a Trust Deed on XXXX XXXX, XXXX XXXX, CA Land on XX/XX/XXXX aka XXXX & XXXX Claim No. : 1. On XX/XX/XXXX, the XXXX XXXX County Superior Court of California entered the Settlement Agreement stipulating XXXX pay us {$260000.00} in settlement. In or about XX/XX/XXXX, upon receipt of the XXXX {$260000.00} settlement payment, we assigned the {$260000.00} funds to XXXX & XXXX for satisfying XXXX & XXXX  Claim No. : 1. Subsequent to filing our Voluntary Petition Case No. : XXXX with the U.S. Bankruptcy Court of the XXXX District of California on XX/XX/XXXX, XXXX XXXX & XXXX , XXXX formerly know as XXXX XXXX & XXXX, XXXX ( " XXXX '' ) sued us for {$570000.00} as XXXX  & XXXX  Claim No. : 2 on the Claims Register. While processing multilateral [ global ] settlements with the Trustee, XXXX has been threatening us with foreclosure attempts on our temporary offices and our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 2020-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Victim of identity theft banks opened in my name loans taken out been reported to XXXX and XXXX XXXX no bank will bank with me they just say we choose not to do business with you I ask why they dont tell me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have called numerous times to please stop reporting as missed payments when its actually taken out my check every 2 weeks the amount agreed!!! since the mother abandoned my XXXX  girls with me I did an affidavit of possession and got notarized!!!! they said since I have my kids they hold the money they take out my checks!!! their computer shows as not being paid since they have a hold on the account and they not giving the mother the money!!!!! it still gets taken out every 2 weeks out my work check, im not behind on payments, in fact im overpaid because they took my stimulus!!! 
the texas attorney general said since the computer is not dispensing the money its lie I owe it!! I cant file taxes or anything till finalized in court!! I firmly believe since the payments are being made but just on hold on their end it shouldn't go on my credit report as never paid or 20 missed payments!! I can send the order from court in 2018, send check stubs and anything else that may help remove that!!! its the only negative thing on my credit!!! I will include all payments from the texas attorney general website that I have made they claiming I never made 1 payment!! 
thank you for your help and anymore information you need let me know ill supply all documents needed to prove it!

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 2020-09-02
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XX/XX/2020, I went online on Western Union website around XXXX to send exwife XXXX XXXX. 
The website stated XXXX charge for choosing money transfer within minutes. 
I paid for the western union transaction and within minutes I could see my bank paid XXXX + XXXX fees = XXXX I got email from western union within 10 minutes of this trasnactions stating that would be a 2 hours review.

I called western union Customer Service XXXX XX/XX/2020 around XXXX and they told me because covid19 could take 72 hours for western union to release XXXX I told customer service agent why they don't let customer know in advance that could take 72 hours to release money. If I had knew that my money would be put ON HOLD 72 hours. I would have try XXXX or XXXX or other online vendor that deals money transfers. 
Now I have no other options that to use XXXX to send another XXXX to my exwife because she needs to make payment 48 hours or be late.

western union tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Shellpoint Partners, LLC
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:
Our original XXXX mortgage was sold by XXXX to Shellpoint Mortgage in XXXX or XX/XX/XXXX. ALL PAYMENTS WERE PAID ON TIME UNTIL SHELLPOINT SOLD TO XXXX XXXX XXXX in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
comenity bank in Violation Of American Disability Act and The Fair Credit Act close my credit card with no warning and affect my credit score. In addition the allegations is the I have to many credits inquiry. But they are discriminating against my XXXX, my race and age. I need for CFPB to submit my complain to the OCC, THE FEDERAL TRADE CONSIDERACION AND ALL OTHER FEDERAL AGENCIES INCLUDING BUT NOT LIMITED TO THE UNITED STATES OF AMERICA DEPARTMENT OF JUSTICE. AND I NEED A COMPETITION From Comenity Bank for the amount {$340000.00} do to the fact that I was going to buy a house and my credit score is below 600 because of the closure Comenity Bank Trade Line. This Request Is In good faith. If I don't get results I will not hesitate to go to the Federal Court. And Submit Lawsuit against Comenity Bank. 

Att : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Hello, The following account is not mine. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX The following Inquirie was not made or authorized by me. Please remove from my credit account. Thank you. 

Inquiries : XXXX XXXX XX/XX/2018 2018

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 2019-08-10
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In my mortgage application ( separate ), I noticed an account with Citi that I did not recognize and could not locate. 

I called on XX/XX/2019 and it took me about 30 minutes to get on the line with a representative. The call was unclear, but what was clear was the incompetence of the representative as he just sent me back to the automated messenger. 

I called again XX/XX/2019 and got in touch with a representative who was slightly more competent and could not identify an account with using my name, social security number, or the partial account number. 

As far as I know the card does not belong to me and I would like it removed from my account so that it does not influence my mortgage or 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 2018-07-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo abruptly closed my credit card without any warning and forfeited all rewards accumulated over several months. I was given no opportunity to redeem the rewards after the bank decided to close my accounts. 

I missed to make minimum payment by due to date on the account not due to financial difficulties but due to an ongoing medical issue with a family member that has kept me exceptionally busy for the month and half. Upon learning of the missed payment, I immediately made full payment on all outstanding amount. Prior to this I never had a missed payment with either Wells Fargo or any bank. My XXXX XXXX has been consistently over 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 monetary relief
Consumer complaint received 2020-09-02
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:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Opened XX/XX/XXXX XXXX/XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

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