BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: CITIBANK, N.A.
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:
There is a Best Buy account and a XXXX XXXX account opened under my name that is not mine! I am a victim of identity theft! This is fraud! This same fraudster tried to file a fraudulent tax return under my social security number within the same year! 

BEST BUY/ CBNA Opened : XX/XX/2017 Amount : XXXX XXXX XXXX Bank Opened : XX/XX/2017 Amount : 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 2022-02-11
Company: Experian Information Solutions Inc.
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:
I mailed several letters asking XXXX to remove inaccurate accounts. They have yet to reply to any of my certified letters since XX/XX/2021. I understand they have 30-days to complete their investigation once they received my request. To date, they have not replied or conducted an investigation as required by law under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19 I received a call from capital one XXXX XXXX saying that my account was delinquent for {$800.00}. At closer look XXXX XXXX capital one had reversed my last four payments totally {$800.00} to XXXX/XXXX. I have been on the phone with both companies jointly multiple times since XX/XX/19 trying to get the {$800.00} back to my XXXX XXXX capital one card. I have also filed formal payment investigations twice. Both companies blame each other and no one will take ownership for the problem. I am unable to speak with a supervisor at capital one. I was told to write a letter. I am still out the {$800.00}. XXXX bill pay says they have resent it to capital one XXXX XXXX   and capital one denies it and says they have not received it or that my husbands name is on it although they take payments from this account. I have spent more than 8 hours on the phone with both parties and 2.5 months later the issue remains unresolved. If it was {$100.00} I would have given up but not for {$800.00}. I need help and a voice with these two companies who seem not to care. I called once again tonight XX/XX/19 to XXXX capital one and they told me it was a XXXX issue and XXXX sent a letter today saying it is dressbarn capital one 's issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
if noticed i am a victim of identity fraud with the accounts listed below XXXX   XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX   XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance 01 XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance 11 XXXX Original creditor

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 2017-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have two debts that are over 7 years old. My husband left me in XX/XX/XXXX and I stopped paying our credit cards. The divorce was finally completed in XX/XX/XXXX where they granted him this debt and it is specifically noted in divorce. He moved to XXXX. <P/>I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off. <P/>Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them. <P/>I just received a letter from XXXX wanting the balance XXXX for something that is in a divorce agreement and was back in XX/XX/XXXX. <P/>Also a very ugly company stating they are an attorney, Portfolio Recovery Associates are trying to get a balance of XXXX going back to XX/XX/XXXX which is the last statement they have from XXXX  XXXX. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me. LOL! These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Early this year in 2019 I disputed with all three of the credit reporting agency about an inaccurate report on a XXXX account. The dispute was pretty much ignored, when I notified them last week ( XX/XX/2019 ) that they ignored the dispute they submitted another dispute. I called XXXX they recognized the error and said " sorry. '' XXXX removed it because they realized they'd all made this mistake, I'm not sure what XXXX is going to do yet because I haven't received their reply yet. However, equifax did and update on the credit report instead of removing it for an inaccuracy being reported on my credit report for more than 30 days even after I attempted to fix earlier. The proper response would have been that they remove the inaccuracy because it reported way past the 30-day mark ( like 8 months ) after my initial notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
TJ MAXX Credit card, I went ahead and submitted a request regarding charges from an imperfect produce, the charges were all credited, at the time of the request. A new card was issued with new number. Now here we are 3 -4 mos later and the card re charged all the charges to the new card. Added it to my balance. I have not received imperfect produce, other than the introductory 1 box - which I had explained. And because of that they refuse to remove the charges/ when I call the credit company Synchrony they state they are transferring me to another dept and then I get cut off. Assist please

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 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
These Inquiries are Fraud not Authorized are TRANSUNION. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... XXXX ARE. XXXX XXXX XXXX dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX XX/XX/XXXX and XXXX 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 2018-01-31
Company: National Credit Systems,Inc.
State: IN
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:
This company is reporting a negative account on my credit report, and we don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. And the debt is result from identity theft. 

I tried resolving the issue with XXXX on XXXX, and XX/XX/XXXX. Also, I sent the company a letter o nXX/XX/XXXXasking for a legal contract and there was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX  XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX  XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: EQUIFAX, INC.
State: DE
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:
These Inquiries are Fraud not Authorized are XXXX. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... EQUIFAX ARE. XXXX   XXXX target dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX  XXXX XX/XX/XXXX also XXXX  XXXX  XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX   XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: CREDIT ACCEPTANCE CORPORATION
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:
The Fair Credit Reporting Act is a federal law designed to protect consumers against unfair credit reporting practices and protect credit privacy. The act governs the consumer reporting agencies and those who access consumer credit reports. The general purpose of the Fair Credit Reporting Act is to ensure that these agencies are FAIR, ACCURATE, AND EXHIBIT CONFIDENTIALITY in his or her credit reporting methods. The information being reported on my credit is not ACCURATE in regards to Credit Acceptance, they have committed fraudulent activity based on the contract they sent to me, everything is completely different in comparison to the original contract that i posses, according to the credit bureaus they have to report accurate information and if not they must remove the item from my credit reports, i would like CFPB to verify my original contract in comparison to the made up contract they have, and once it proves invalid request this item to be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Complainant : - XXXX XXXX XXXX SSN : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX Equifax CRA, is reporting incorrect information on my credit file. Additionally, Equifax has advised that they will not investigate the issues I am disputing, and have gone ahead and turned my online ability to dispute any incorrect information. Further, they are not also refusing to accept any documents I forward to them via fax, mail of electronically to support my dispute.
<P/>
Equifax continues to list an incorrect former name on my profile. My name is XXXX XXXX XXXX, with NO generational tags to it. Equifax is showing an incorrect name on my profile. Again please see attached drivers license and ssn card showing my correct name.
<P/>
Equifax is listing a FORMER SSN as being associated with me. I only have one SSN number and do not understand how my profile would have more than one SSN. I have contacted all current and former creditors and they have all verified that they did not provide this incorrect information to Equifax. I have demanded that Equifax either remove this inaccurate information or provide the name of the creditor providing this inaccurate data. They have advised that they do not know who is providing this inaccurate data but will still report it.
<P/>
I have retained the services of an attorney, XXXX XXXX, and submitted a power of attorney to Equifax, to allow them to discuss my account with him directly. XXXX XXXX attempted to contact Equifax on my behalf but they declined to discuss any matters on my account with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Camelot Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Was contacted many times at my work number. I deal directly with the public and always have a client or fellow associate near by. Told XXXX  every time she called please do n't contact me at my work number, but she continues to do so. Last time she contacted me at my work number I was in a meeting with my supervisor and our regional supervisor. I had to explain to them that it was a personal call and what it was pertaining to. I then was pulled aside and given a verbal warning from my supervisor about receiving personal calls at work. These calls are threatening my employment and need to stop. XXXX uses scare tactics when she contacts my husband, she will tell my husband if we do n't call her or make our payment she will be forced to call XXXX at work knowing she 'll get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from Swiss Colony/XXXX with a balance of {$110.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, onXX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-02
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid 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:
Around the end of XXXX, I applied for an American Express delta gold card online. I was approved and upon approval, they gave me a digital card which the numbers were diff where as the digital version didnt have your delta sky miles number on it. So two months later after getting the physical card, I said lrts Use it. and they go declined so after I apply online then applied delta skymiles number called XXXX to put it on my card which they did.after all that, some XXXX XXXX transfers me to no XXXX XXXX or XXXX XXXX from XXXX. So after three min Id usually say to XXXX him off I said but I go can you repeat what you just said to long story short XXXX boy goes theres a question to verification of who I am. And this after temp card skymiles physical card no one called me no one wrote me a letter and god forbid I use constitution as something I go thats not legal. The affordable care act mandates ins companies to give a consumer thirty day notice if they will terminate their twelve month contract. Sure changed contract law so in a court of law my application comined with XXXX ending me physical card = contract. So now I hold to the physical card went to noteary got XXXX motorized proof I am who ya approved card for so XXXX goes XXXX XXXX cancels my card and never told me why. Thats legal have you ever heard of the intelligence identification protection act? When XXXX ever go approved actually cancel w/I bankruptcy being the deal breaker. I didnt charge XXXX dollar who needs tell me my acct terminated?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Good Morning ... I checked my credit report this morning and found some hard inquiries that were once removed from my report but somehow reappeared. I was not giving any notifications that these accounts would be added back to my credit report. I did some research and was informed that Transunion had a glitch in their system XXXX and that 's the reason why all my old accounts were added back to my credit report. I called Transunion this morning and spoke with XXXX who states that she was a supervisor regarding these issues. She could n't explain to me as to why these accounts were added back to my account. She also informed me that some of my inquiries will fall off this month, end of this year, and the beginning of next year. She also informed that I could contact the creditors for letters but I do n't understand why I have to repeat this cycle again? Please help me from being victimize. The accounts that I am informing about are ... ....
<P/>
1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from 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 2017-07-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contact  National Credit  Systems on several occasions in regards to comments on all  XXXX  of my credit files that I want removed. After being told several times that someone would call me back I finally spoke with  XXXX   XXXX  at ext  XXXX  today,   XX/XX/XXXX     who put her  XXXX   XXXX   XXXX , who identified herself as a supervisor. When I explained to her that I have asked all  XXXX  credit bureaus to remove the comments " consumer disputes this information '' from my file since I am no longer disputing this debt and they informed me that every time they remove the comments  National Credit Systems  add the comments back on.  XXXX   XXXX   XXXX  informed me that the only way the would remove the comments is if I paid the debt. I told her I was no longer disputing it and want the comments removed, she again repeated that the only way they would remove the comments is if I paid the debt right now and did I have a credit card handy. I told her I was not paying this debt, but am no longer disputing it. That I 'm trying to obtain a mortgage and need the comments removed and since I was the one the initiated the dispute and am no longer disputing it, I am requesting that they stop put the comments back on when I have them removed, she told me that this is n't going to happen, and again the only way they would remove the comments is if I paid this debt in full right no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: NJ
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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