BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
EQUIFAX IS IN VIOLATION OF THE FCRA BY REPORTING INQUIRIES ON MY CONSUMER REPORT WITHOUT MY CONSENT. I DO NOT CONSENT, AUTOHRIZE, NOR BENEFIT FROM THE REPORTED INQUIRIES IN MY CONSUMER REPORT. I DEMAND ALL INQUIRIES BE DELETED IMMEDIATELY. EQUIFAX BLATANTLY DISREGARDED MY LAST REQUEST TO DELETE THESE INQUIRIES. I WILL NOT LET UP UNTIL THESE INQURIES GET DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
State: CT
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:
Citibank Yanks {$1600.00} in Costco Rewards Points and Closes Visa Card Account Without Warning After years of paying my Citibank Costco Visa on time and in full EVERY month, Citibank closed my credit card account WITHOUT WARNING several days ago and took the {$1600.00} Costco rewards points my husband and I had accumulated over the past year by spending tens of thousands of dollars at Costco. They said they closed the account because the payment I made for the most recent bill failed to process due to insufficient funds. I explained to both Citibank AND Costco that I was in XXXX for work when I scheduled this payment, and that, due to Internet access  restrictions in XXXX, I was not able to view the bank account balance to confirm that the account contained sufficient funds to pay the bill in full. However, as soon as I returned to the US and received a notice about the failed payment, I paid the bill immediately, in full, from a different bank account. 

After trying to use the Visa card this past weekend and having transactions declined, I called Citibank customer service to find out what was going on. They said the account had been terminated, the {$1600.00} Costco rewards points were now no longer in existence, and there was nothing they could do since THEY closed the account. Citibank said they had sent me a letter explaining that the account would be cancelled. We never received any letter. When I asked them on the phone to tell me why the account was cancelled, they were unable to provide a reason. When I asked that they provide me with a copy of the letter, they said that was not possible. 

Citibanks only response was to say I am welcome to apply for a new account! ( a new account that would of course come with {$0.00} reward points ).

Right now, I am just really frustrated. I feel like someone has just stolen {$1600.00} out of my pocket and after I found the perpetrator, they wont do anything about it. Unless this issue is resolved and the reward points are returned to me, I will never do business with Citibank ever 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 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 would like to thank your company for the many great years of service that Ive experienced as a customer. I have been very loyal during this time ; however, I am requesting some assistance from you if possible. 

Ive experienced some rough patches in life that were very difficult to handle due to some personal issues. I have always tried my best to get every single payment in on time, however there were a few times in the past that I was late. Apart from those few late payments, my track record for paying on time has been great. However, the few times that I was late shows on my credit report, and this can make it extremely difficult and hard to qualify for a mortgage, auto loan etc. As Im sure you know. 

I would like to make a goodwill request to have some or all those late payments XXXX XXXX, XXXX XXXX, XXXX XXXX removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the Universal Data Form and faxing it to the credit bureaus ( XXXX, XXXX, XXXX ) that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I may need. This is regarding account : Report Date : XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Two years ago I was contacted by midland credit about several debts in my name that I hold no knowledge of the accounts were opened shortly after my apartment was broken into in XXXX in XXXX XXXX Ga. I have absolutely no knowledge of these accounts and want this removed from my credit I have disputed these accounts several times with no luck now I am being threatened with a lawsuit for something I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: OneMain Finance Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 10 calls in one day with a total of 12 calls. Two were XX/XX/XXXX and 10 on XX/XX/2023. I called the representative back at one main asking for a corporate number to discuss. She informed me that the system was on auto dial and shows she only called once on her end at XXXXXXXX XXXX. I informed her of my concerns and they need to have this checked since the auto dial called multiple times and I let her know I would be submitting a complaint. At this time, I would like all correspondents going forward to be by mail only. I am no longer to be contacted by phone as this is intrusive and during my work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are 1 address that are not correct and 3 accounts with wrong information and dates and amounts that are wrong

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 2017-07-31
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On two separate occasions I have called Great Lakes borrowing services about my federal student loan. On the first occasion, around XXXX 2017, I received an email from Great Lakes stating that my first student loan payment was due. I called Great Lakes and told them that I was currently a student at the University XXXX XXXX XXXX, and that my Federal student loan should then still be in deferment. Great Lakes had me print a paper for the financial office of the University XXXX XXXX XXXX to fill out, and then fax back. After, I did n't receive any correspondence back. Then in XXXX 2017 I received another email from Great Lakes stating that my first student loan payment was due. Once again, I called Great Lakes and told them about the paperwork that they had the University XXXX XXXX XXXX fill out, and that my student loan should still be in deferment. They apologized and said that they would put my student loan back into deferment. Today, X/XX/2017, I decided to check my account at Great Lakes to ensure that my student loan was still in deferment, and I have a past due balance from X/XX/2017 in the amount of {$100.00}. Great Lakes refuses to rightfully put my student loan back into deferment and will not provide me any useful assistance when I attempt to make contact with their support department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ally Auto is reporting negative information on my credit report for an lease for my business which has nothing to do with me personally. They are reporting that I owe for a lease that the car a XXXX XXXXXXXX XXXX XXXX summit reserve was stolen with a police report. They have been reporting this for months even though I contacted them and stated it was stolen. They are refusing to help me get this debt off my credit report and threatened me multiple times they would ruin my personal credit for this when this lease was in my business name XXXX XXXX XXXX XXXX XXXX. They have now reported this negatively on my credit report and lowed my score significantly

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to dispute fraudulent information that I noticed have been reported on my credit report. Several months back i had my identity stolen and I am in desperate need of these items being reviewed and blocked. This has made my life very hard! I have been receiving emails and calls about debt that is not mine. My personal data has was exposed in several major data breaches.

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 two violations on my credit report. One is a duplicate entry and the other is a coding violation. For the duplicate : XXXX is reporting XXXX separate line items for the same account ( for the XXXX XXXX ).  These accounts have the same opening date, partial account number and balance. ( Please see pages 9 and 10 of the attached credit report. ) This double entry is harming my credit score. Only one account should be reflected on my credit report. 

Transunion is reporting incorrectly that I am 120 days past due on the XXXX - ( partial account numbers are listed in the spreadsheet attached this complaint ). ( Please also reference pages 9 AND 10 of  the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2018-01-09
Company: CIT BANK, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
There is a balance showing on my credit report for a mortgage I had with CIT Bank N.A.. This property was sold in XXXX of 2016. The property address is XXXX XXXX XXXX XXXX XXXX NC XXXX The balance showing is {$27000.00} I have made numerous calls to this bank and no one can ever find this loan. I have given them my SS # to try and locate the loan and no one has ever been able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 filing this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

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 2023-04-11
Company: Block, Inc.
State: OR
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 rewards from credit card

Complaint:
I use the app Cashapp which is linked to a card. I have attempted to contact the company on two separate occasions regarding offers they list to entice people to make purchases. The first offer was on XX/XX/XXXX for a purchase of {$19.00} and was supposed to apply a 'boost ' for 75 % off. It didn't go through and they said there was nothing I could do. 
On XX/XX/XXXX I made a purchase using a discord boost to give99 % off one purchase with a total discount of up to XXXX XXXX I made a XXXX purchase and it took the full amount, so I contacted customer support. Customer support has informed me that I need to file a complaint by pressing the three dots on the program screen and mark that my boost wasn't applied [ which it was ]. There is no option to do this and since it's not an available option there is 'nothing that can be done. ' I have searched the web for this issue and it has been ongoing for months with this app. 
https : XXXX People are complaining about them not applying the boosts and customer support not doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was on my account while I was out of country. I was not living in USA at the time the debt was created or occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account.

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 2023-08-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Yes, what I am trying to say is that the {$50.00} that I transferred this I transferred to a closed account that account no longer exists and the card does not exist either and I just realized that I had transferred it to that account when she is XXXX XXXX XXXX that does not They exist, so I would like to know how I can return that money to put it in another account that should be, but that account has been closed for 3 years and it was the

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: WELLS FARGO & COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XXXX I moved to apartment and they have tied up with XXXX XXXX XXXXthey send me some email to pay money and when I was trying to pay amount, I dont know how this card applied through me. 
Then in mid XXXX I got call from XXXX XXXX XXXX customer support they state like somebody did XXXX usd traction from my account.i informed them that was not me because till that time I didnt get XXXX card so I requested them to close my account. 
They reported to their fraud department and assured me your account is closed. 
But after that I received XXXX card so I thought it closed so I though and I never used But they never closed my account and still somebody using my XXXX  account behalf of me. 
I tried calling them lots of time but still my account active and Im getting emails and mails from XXXX  for paying amount which I didnt use.

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 2023-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account NumbeXXXX : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief