BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: CITIBANK, N.A.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened a credit card with XXXX XXXX in XXXX and used it intermittently over the years. I hadn't used my XXXX XXXX card for several years and I shopped their bedding and mattress sale on on XX/XX/XXXX, at which time I made a bedding and mattress purchase that totaled {XXXX}. During my interaction with the sales representative, ( XXXX XXXX ), I informed him that I had a card with XXXX XXXX but, had not used it for several years. He accessed my account information online and stated it was open with a limit amount that would allow me to purchase the bedding and mattress set. The representative ( XXXX XXXX ) finalized the sale and set it up for delivery on XX/XX/XXXX. XXXX XXXX delivered and set up the bedding on XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from my Citi credit monitoring service that stated my FICO credit score had dropped by 35 points. I checked to find what had affected my FICO credit score and found that XXXX XXXX had reported that I overcharged/charged over my credit card limits. I contacted XXXX XXXX    Consumer Credit Department XX/XX/XXXX, XXXX XXXX  at XXXX. Spoke with CSR XXXX. Explained my reason for calling and requested an explanation for their credit report that dropped my FICO credit score by 35 points. She stated there was no supervisor for her to consult and she would have one contact me. I called back XX/XX/XXXX, XXXX XXXX, spoke to XXXX/Supervisor, credit specialist XXXX. He stated there was no penalty for going over card limits with XXXX XXXXXXXX. I informed him that their sales rep ( XXXX XXXX ) had closed the sale and made no mention of going over the card limits. He stated their sales reps can't see credit card limits on their systems. He said they didn't send the report that lowered my FICO credit score and there wasn't anything he or XXXX XXXX could do. There haven't been no other businesses that reported on my FICO credit score, other than XXXX XXXX. I seek your assistance in 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 explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2021-09-11
Company: EQUIFAX, INC.
State: SC
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:
Accounts on my equifax credit report that does not belong to me. Open fraudulently. Requesting that accounts be investigated & removed. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX  8. XXXX  ( 1 ) 9. XXXX ( 2 ) Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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:
In XX/XX/XXXX XXXX XXXX reported to XXXX   a debt that belongs to a corporation to my personal credit report. I opened a dispute with XXXX   ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested XXXX to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested XXXX to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit 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 explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to Transunion, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on 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 2022-08-31
Company: Nelnet, Inc.
State: NY
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: Billing dispute for services

Complaint:
Nelnet has placed 2 disputes on my account and has wrecked my credit score to poor claiming i am delinquent over {$7000.00} on my account. I am completely up to date with my payments and have {$98.00} payment due in XXXX. This is totally unjustifiable XXXX on my credit history and as a XXXX XXXX  XXXX woman this is a horrible disruption in my life as I have new large bills to pay and absolutely do not welcome this extraordinary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Put a fraud alert on my Transunion to be called to confirm that I applied for the product or service. I have tried several times to update the alert online starting last week and get the message that I have to call. I called today XX/XX/19 and was told that the only they could do was update the phone number. I have asked to have the fraud alert removed and they have refused. I can not update online as Transunion website says I can. I have no idea what the instructions are since they will not provide that either. when the alert was placed I thought it was to call me and confirm the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Stellantis Financial Services US Corp.
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:
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a cosumer reporting agency can not furnish an account without my written instructions 15 USC 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 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 2022-08-31
Company: FinCo Services Inc DBA Current
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a issue with XXXX XXXXXXXX XXXX XXXXXXXX who was supposed to diagnosis and repair my vehicle for a prior service that was done incorrectly and troubleshoot a power drain. Due to issues with the dealership i disputed the charge with Current internet finance company and they recovered the funds but kept them and never put them back in to my account. The dispute was for XXXX. The whole amount from XXXX was XXXX niether party has refunded money as agreed. Here it has been a number of months no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
I dont know this company never had any contract with them and its saying its open.also XXXX XXXX was paid off and XXXX and still showing on my report would like removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR 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 2018-02-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously had a second mortgage loan with Chase. This loan was unfortunately charged off in XX/XX/2009 and the loan was re-modified through Chase. Chase maintained a lien on the property through the second lien while the first remained current. I have been trying to sale the home and Chase has refused to talk to me about the loan and refers me to XXXX XXXX XXXX XXXX. XXXX has inflated the amount of the originally charged off debt by {$15000.00} with no explanation of charges. I am now in another situation to sell the home and XXXX will no longer speak to me but refers me to XXXX XXXX XXXX. I think this is an unfair practice whereby these companies unfairly inflated debts and hold up sales on the property of debt that is past it's statue of limitation for ANY type of legal action to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING, LLC LOCATED AT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1200.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
from when i orginnaly filed report has been more then 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried multiple time to get all three bureaus to remove XXXX XXXX XXXX account. They keep reporting a lowered then increased charged off balance. Also XXXX XXXX paid/closed account was just updated to past due then changed to paid/closed. These are old bias accounts that I should be removed.

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 2021-07-06
Company: EQUIFAX, INC.
State: OH
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:
Hello for a few years now, I have been experiencing issue with the below information on my credit reports. I've disputed but the bureaus refuse to also comply with Credit Act of XXXX which specifically speaks to removing Derogatory items from my file especially as law states there is NO Contract/Agreement tied to the following. Section 401 is specific regarding these Derogatory marks. 

Derogatory Accounts XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$420.00} Inquiries XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX FIN Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Derogatory marks XXXX XXXX XXXX NOT MY ACCOUNT? /NO CONTRACT Opened XX/XX/XXXX {$430.00} XXXX XXXX A NEVER APPLIED FOR ITEM/NOT MINE/NO CONTRACT Opened XX/XX/XXXX {$420.00} Inquiry details No Agreements to confirm details XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Credit Burea Inquiry from XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, New Inquiries - unauthorized Accounts XXXX  XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Premium XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Derogatory marks COLLECTIONS XXXX XXXX XXXX Contract Opened XX/XX/XXXX {$430.00} XXXX Unable To Discover Contract/ Not My Account Opened XX/XX/XXXX {$460.00} XXXX Unable To Obtain Contract, I never signed/Not My Account Opened XX/XX/XXXX {$580.00} XXXX XXXX Not My Account/No Contract Opened XX/XX/XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CITIBANK, N.A.
State: TX
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:
Two purchases made on XX/XX/XXXX for {$650.00} and XX/XX/XXXX for {$61.00} both with the same company, XXXX XXXX XXXX and paid for with my Gold MasterCard from Citibank group . 

Delivery was promised in XX/XX/XXXX. Then came a series of " oh, we're working on it '' and " we're a little behing '' from XXXX XXXX. Then their web page went dark, their phone stopped answering and emails were no longer answered. 

I filed a dispute with Citibank for the two disputed charges which totaled {$710.00} in late XX/XX/XXXX or early XX/XX/XXXX which was immediately reversed and credited to my account by Citibank. 

I considered the issue closed. 

Imagine my surprise when I open my XX/XX/XXXX bill from Citibank to find that the " merchant '' filed a blank answer to my complaint and the full amount was again credited to XXXX XXXX ( who was no longer communicating in any way to customers ). 

I responded in writing to the issue objecting to Citibank 's lack of diligence and failure to support my position, as their long time customer and in fact, I had NEVER received any merchandise, website closed, multiple, multiple XXXX  complaints on the " merchant '', phone lines dead. XXXX XXXX is a fraud, no longer in business and guilty of bilking unsuspecting customers out of money for products never delivered. 

The dispute is still open as of today ( XX/XX/XXXX ) but of course Citibank will not discuss the matter with me. 

I expect them ( Citibank ) to do the right thing and refund my charges but as time goes along, I am losing faith in the process.

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 2018-08-07
Company: Early Warning Services, LLC
State: NV
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:
XXXX XXXX Contributor : XXXX XXXX XXXX Contributor Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

Dear Sir or Madame, I am writing to dispute the following information listed below, which appears on my credit report. 

It does not relate to any transactions that I have made. It is the result of identity theft. I can confidently assume to be a victim, I did not initiate or approve the transactions. 

I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

Durning that time my significant other added me to their bank account for emergency purposes only ( paying bills etc ) I never used or added any funds to the account. It was strictly In case of emergencies. 

Please investigate this matter and take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After multiple attempt to resolve issues with my Credit report with XXXX through online/certified mail/and phone calls XXXX refuses to remove errors on my account. They also are not investigating my account thoroughly and sending me a letter of their findings. When I dispute my account what is happening now is they will resolve the dispute hours after I submit it. I know darn well they have not contact any company of am asking for this company to remove my personal information out of there system and remove all illegal information from my reports. I know they have not received any documentation in that time frame thats unacceptable. My personal information has been compromised twice with this company through a data breach and they have yet to resolve the issue.

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 2023-08-29
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX I attempted to make a purchase for gas on my AMEX platinum card and they declined the purchase even though the minimum account payment was met on the account, and I had available credit to use to purchase. On the same day they denied my food purchase on my Amex Gold account, and I also had available credit as well. Minimum payment was due XXXX. Before the XXXX I had made some payments on the gold card but was unable to meet the full minimum payment by the due date. They had previously approved purchases after the XXXX. I notified them on XXXX to let them know I was going to submit full payment on XXXX  XXXX and they stated that is when they will lift the hold on both card accounts. Unfortunately, I was not able to make the full payment because I have been going through a Hardship at this time. I notified them again on XXXX to let them know my situation and I asked for financial relief options. The representative said that there are NO financial relief options available to me. They said the program options are provided by the system and that there were none available to me. I was in a financial relief program before and paid accounts in full months early and I am ready to enroll in their financial relief program, and I am willing to make a payment to start which is part of their enrollment process. I just need assistance to get this process started and maintain my relationship with the creditor, but to say I dont have an option is not the answer or an option for me because I know that options are available to me, they just seem like they are not trying to be proactive and help.

Company response to consumer: Closed with explanation