BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: National Credit Adjusters, LLC
State: TN
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 complaint to National Credit Adjusters regarding an account they are reporting on my credit report wrongfully. I have asked the collection agency to verify this debt is valid. They did send me an alleged contract from the original creditor, however the information they sent me further verifies my reason for dispute. This account was opened fraudulently and does not belong to me. The social security number used is not mine. I am attaching proof of my actual ssn and proof of what the collection company verified inaccurately. As you can see from the attached documents, my ssn ends in XXXX, however the contract from the company ends in XXXX. Both the original creditor ( XXXX XXXX ) and the collection agency ( NCA ) failed to do proper and accurate research into this matter. This is unacceptable!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citi refuses to help me via chat, and their phone " help '' is incompetent. I've wasted many hours trying to get this figured out and nobody will help me. Their so-called customer " service '' is pathetic. 

There is a discrepancy between chat Citi says was charged / refunded, and what XXXX claims was charged / refunded. I need to know who's telling the truth and proof of it, and where's my money. 

My credit card XXXX ( card since cancelled ) shows these XXXX charges : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are TEN charges of XXXX, plus XXXX in interest. Total XXXX. ( I don't know why XXXX made XXXX charges of XXXX and XXXX, or XXXX and XXXX. But they add up to XXXX. And the charge of XXXX is actually XXXX charges of XXXX, plus XXXX interest. ) My credit card statement also shows these credits : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( later charged back on my XXXX statement on XX/XX/XXXX, so I'm not including it in the math ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Note that there are XXXX refunds of XXXX ( I'm putting the XXXX and XXXX together ), plus interest of XXXX, that was refunded. Total XXXX. 

So I paid XXXX a total of XXXX, less XXXX, or XXXX. Which is XXXX * XXXX. 

However, XXXX claims that they refunded XXXX charges of XXXX, below : This is the MasterCard reference for the refund of {$1.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$38.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the XXXX reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund of {$39.00} Recon ID # XXXX This is the MasterCard reference for the refund XXXX {$39.00} Recon ID # XXXX Please tell me whether these XXXX refunds, above, were actually made - were there FOUR refunds of XXXX or FIVE? And if there were XXXX, why do my credit card statements only show four refunds? And where is my missing 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 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a letter to Transunion and XXXX  on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried to contact and communicated the company in order to have my credit report to be corrected. I am seeing so many inaccurate accounts, the dates I were tagged late were incorrect, the balances and dates were incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Friday XX/XX/2023 all of my Trust accounts ( 4 ) disappeared from my online banking portal, and I lost access to them. After spending a lot time with my local branch associate, we found out that " corporate '' made a programming improvement that disappeared everyone 's Trust accounts. Now 11 days later I still have no access. Truist has not sent a single email or reached out to me to explain what happened. They're " customer care '' is a total joke, because they have none. This is an outrage! 

I have 6 personal accounts and 12 business accounts with Truist. I am going to start looking for another bank ; one that actually gives a darn about their customers.

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 2023-02-13
Company: EQUIFAX, INC.
State: FL
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:
I sent over 8 faxes and 2 letters to dispute fraudulent inquiries on my credit report and all they did was delete 2 of the 7. They also deleted 3 accounts that I did not dispute. I don't know how they are doing their jobs but clearly, they are not doing a good job. This are the inquiries that they need to delete : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CITIBANK, N.A.
State: PA
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:
I was sent a credit alert on XX/XX/, stating that there were 2 inquiries on my account, one from Citi  and one from XXXX XXXX  XXXX that I did not authorize. I immediately called XXXX and they walked me through what I needed to do. They reccomended that I filed a complaint with you also. I also froze my credit reports.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.

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 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-02-13
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Dating back to XX/XX/2022 someone who works for American Express unlawfully closed all three credit credit card accounts that were under the estate of XXXX XXXX XXXX. Those accounts were not held by the financial institution of American Express. Since, I have been mailed multiple billing statements with the wrong amount. The amount showing on the billing statements are in a positive balance. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading. All three credit card accounts should have a monthly zero balance because your financial institution received collateral equal to the credit amount when receiving application from the estate. Since the unlawful closing of all three accounts, stress and anxiety has been placed on my shoulders. Your financial institution continues to make false negative reports to credit reporting agencies. No one from the estate has granted your financial intuition permission to administrate the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a letter to all 3 credit agencies XXXX XXXX asking them to provide the date of delinquency for an old XXXX XXXX account. I asked them to provide this information because XXXX XXXX XXXX is showing a recent delinquency ( {$3400.00} ) for that same account in XXXX. In essence, they have re-aged the debt which is illegal. 

XXXX provided a date of first delinquency in XXXX. The account was opened in XXXX. However, they are still allowing the Collection Agency to reflect a more current date. XXXX and Transunion did not provide me with the first date of delinquency, rather they are just reflecting the incorrect date from XXXX XXXX XXXX. XXXX XXXX XXXX has not responded to my inquiries. 

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 
I want this re-aged debt entry removed from my credit reports.

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 2018-05-09
Company: EQUIFAX, INC.
State: AL
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:
XXXX  has been notified of my incorrect account balance for a XXXX account which should be showing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi First Credit Collections Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Once the regulations changed and overdraft had to be opted into, I opted out of overdraft at all of my financial institutions. On XX/XX/2020, I submitted a credit card payment to and accidentally picked my Wells Fargo checking account instead of an account at a different financial institution that had sufficient funds. Instead of rejecting the payment, Wells Fargo allowed me to overdraft and charged me a {$35.00} fee on XX/XX/2020. That is not the part that upsets me though, even though I am nearly positive I had opted out of overdraft. When I noticed this on my online account, I decided to ensure I am opted out in the future so this doesn't happen again. However, when I visited the " Add or Change Overdraft Services '' section on the website, there were a few issues that I believe are very misleading and are the reasons I submitted this complaint. 

First of all, there is nowhere in this section to discover your current opt in/out status. How are customers supposed to know to opt in or out if they do not know what their current status is? Secondly, and more importantly, when I clicked to " Remove '' overdraft, it took me to the page to enroll in overdraft. I could not find any way to actually revoke my consent to overdraft. Maybe this screen is supposed to only appear for people who are not yet opted in, but if that is the case then that would mean I had not yet opted in and my account should not have had an overdraft in the first place! My hypothesis is that everyone is taken to the enrollment screen and there is no way to opt out of overdraft. I have a screen recording of this experience that I can provide if there is a way to submit attachments larger than XXXX, though it does capture my first name and the last four digits of my account number in a couple places.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I want to know if Wells Fargo owes me any money for incorrectly charging me fees on my checking 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 2021-09-12
Company: EQUIFAX, INC.
State: TX
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 a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago XXXX is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. Equifax is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees XXXX charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* Equifax also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXX 's XXXX XXXX is a scam. None of the " XXXX '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This company has harassed me from day one. I have asked them repeatedly not to contact me at me place of employment l, and they continue to do so on almost a daily basis. They are putting my job at risk. I explained that the number was listed on my loan app only for verification purposes. They are a nuisance. I need for this issue to be corrected.

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