BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
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:
I paid off my Citibank XXXX credit card on XX/XX/2020. I confirmed both online and with an agent that the balance was {$0.00}. I am currently in the process of applying for a home loan and we purposely waited until XX/XX/XXXX to ensure the {$0.00} balance was reflected. To my dismay, it was not. I called the customer service line and she confirmed my payment and escalated the report up to the bureau as of XX/XX/XXXX. I then called the customer service line on XX/XX/XXXX and it still was not updated. I put a disputed through both XXXX  and XXXX  and the dispute came back as " correct ''. I called on XX/XX/XXXX and the gentlemen passed me over to the escalations department. She then stated it would taken yet another 30 days to update. I understand XXXX sold to Citibank in XXXX ( or at least the account was turned over ) but their credit bureau reporting process is inaccurate and subsequently causing consumer harm. I imagine this is a much bigger problem for others. This lack of accuracy is a significant stress as I did my due diligence and they have failed me for over 60 days. I want my report updated ASAP. I have proof of payment and they do as well, yet my credit is still showing a balance of {$1.00}, XXXX and some change. This should not be an acceptable practice. I want my account to report not only accurately but timely.

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 2021-09-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
This is in response to chase banks choice to close my case with out compensation. 

I will first reiterate that a local branch notice and showed me that the second money order was fake and voided it out so no one could cash it.So how can chase executives lie and say they cant tell if a money order is fake. Also your atms these days are select on what it accepts and can register if bills are fake or not, so how is it that a trusted serves of money order can not be detected. I am no lawyer cant afford one and I now feel pushed aside and lied to for a second time because they know so by going over my account information and then deciding to treat me like trash and sweeping me under the rug. I dont know your articles of law. All I know is i was shown by one of Chase branch workers that the money order was fake ( wich executives say they cant do ) and was shown how to tell when a money order fake ( wich executives say they cant do ). 
So What the point of stating legal chapters if they just lied to me and dont follow there own stipulations? I have kept names to myself. In hopes they treated me like they customer I thought I was at the branch. But soon as I get handed over to executives Im treated as if Im a bum holding a card board sign. 

P.s. again why lie about the help I already recieved in destiguising how to tell if a money order is fake? And why does a local branch offer more help than the executives?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX an unknown individual deposited XXXX cents into my account. On that same day XXXX cents was randomly charged to the account without my consent. I tried to call paypal but could not reach them. I changed my password but two days later there was another random charge for XXXX and for XXXX. I contacted paypal and they said that their records show that the requests came from my devices. Paypal 's agreement clearly states " An Unauthorized Transaction occurs when money is sent from your PayPal account that you did not authorize and that did not benefit you. For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred. '' I did not authorize this payment and it did not benefit me. I do not care if a hacker is savvy enough to make it look like it came from my computer or phone and PayPal does not state that is a necessary component of establishing unauthorized transactions. According to Paypal 's own rules it doesn't matter how someone other than me authorized it, it only matters that I did not authorize it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18
Company: Navient Solutions, LLC.
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:
I 've contacted Navient and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. Navient has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my Navient accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due ( XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXXX 2014 be removed and set to current. As soon as I contacted Navient they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: NV
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:
MY XXXX  CREDIT REPORT SHOWS 3 hard inquiries from CBNA this company Has no information on me, they had me contact XXXX  XXXX  they have nothing on me they had me reach out to Citi bank and they have no information on me so XXXX  if reporting hard inquiries with no way possible to reach out to that company and XXXX  well not help and keeps saying the inquiries are correct according to the law 609 they  must furnish any and all information there holding on me and there have failed to do so XXXX  and who ever this cbna company is

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 2021-09-18
Company: EQUIFAX, 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:
About 5 months ago I decided to fix my credit and get on track again. I started asking to the credit bureaus to investigate two accounts 1. XXXX  and 2. XXXX  XXXX. 
The reason why I asked them to investigate XXXX  was because I contacted this company and they don't have any account under my name, which means Equifax is reporting an inaccurate information. I asked them to investigate XXXX XXXX BECAUSE ON XX/XX/2021 this account wasn't reported on XXXX, was only reported on XXXX AND EQUIFAX WITH A BALANCE OF {$12000.00}. And about two months after on XX/XX/2021 they added this account on all of my reports, the same account with a balance of {$12000.00}. I will attached a copy of my credit report on those dates, that way you can see all the inaccuracies that I found. I hope you can help me with this two accounts that are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Kohls {$25.00} balance In all the years I've been a customer and never had a late payment, i had a {$25.00} balance that slipped my mind. I wasnt notified with a statement balance that I normally always got in the mail. Instead they reported me to the credit bureau and refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is reporting a fraudulent account on my credit files that is not mine, causing damage to my credit. Account # XXXX is not mine and should be removed from my credit files immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I've noticed in my transaction history ( monthly statement ) that there is money missing in between transactions. I believe bank of America is fraudulently taking money from my edd payments. I have called bank of America and asked why there is discrepancies.? Their answer was because of pending transactions. Which is a lie because the statements they send me are completed transactions. I can not get any help from the bank .I have the completed statements and hope this can get me my money back some closer.

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 2018-09-13
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing the alleged debt with Dynamic Recovery Solutions since XX/XX/XXXX. I have asked on three separate occasions ( XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) for them to validate the debt and they respond by sending me a bill. Not once have they provided me with validation, yet they continue to send me settlement offers and call demanding payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We paid this debt to XXXX. We paid XXXX XXXX for account # XXXX, Reference number XXXX, in the amount of {$120.00} Last Year. It might have even been the year before. This company, ERC, keeps sending us letters to collect the debt. I've called them to try to clear it up, but they keep sending me letters. What can be done? We do not owe XXXX Any money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 didn't authorize, consent to, or benefit from any of the following inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-09-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX  and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Nissan motor acceptance is reporting twice on my credit report, they have already charged the account off and sold it to another company which is also reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: NJ
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 a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXXXXXX on XX/XX/2019 and they couldn't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: EQUIFAX, 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:
1. EQUIFAX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a XXXX XXXX XXXX revolving account on my report that does not belong to me neither am i responsible for it. 

i contacted XXXX XXXX XXXX on XXXX XXXX 2019 and they couldn't help 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 2021-09-18
Company: EQUIFAX, INC.
State: NY
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 didn't authorize, consent to, or benefit from any of the following inquiries. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Previously I supplied a copy of my police report, FTC report, proof of identity, and proof of address. Some of the resulting information was blocked as a result of FCRA 605. However not all the information has been blocked. Therefore, I am again submitting my request. Proof of identity, my identity theft report.

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 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pentagon Federal Credit Union Mortgage has added an {$11000.00} Prepayment penalty to my loan that I am now attempting to refinance. There charge goes against the original contract which stated no prepayment penalty.

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 2020-11-05
Company: Colony Brands, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I call XXXX XXXX they couldnt give me no answer to what I was asking

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
There is ONE inquiry on my XXXX report from MACYS dated XX/XX/20 that I do not recognize. Please remove off of my file. 

Inquiry : MACYS Date reported : XX/XX/20

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 2020-05-01
Company: Experian Information Solutions Inc.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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