BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a credit report alert that a dormant account was utilized. In reviewing the account, I recognized the amount charged. The amount was disputed in the prior year ( XX/XX/XXXX ) and the dispute was found in my favor and charges reversed. The merchant recharged the disputed amount on XX/XX/XXXX. I reported this to Brand Source Card and was transferred to various departments. It doe snot seem Brandsource has the appropriate controls ( as I did not receive an alert from them ) to detect that this was XXXX ) conducted on a dormant account and 2 ) the amount was disputed in the prior year. The third party ( XXXX XXXX ) is attempting to collect money that was already resolved under the Regulation Z process from XXXX to XX/XX/XXXX. I attempted to discuss with Brandsource, but kept getting transferred- the fraud department stated disputes handles the claim and the dispute department sends me back to fraud. This is clearly merchant fraud, trying to bypass Regulation Z error resolution requirements by re-charging the disputed amount, resolved in XXXX. I have attached reference to the dispute in XXXX along with my original complaint.

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 2017-12-11
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I have had a Home Depot account nearly two years and NEVER had a late payment ; the payment was made over the phone and the customer service rep. transposed my payment information and it never drafted. I did n't realize it until it was too late because they were mailing my statement to the wrong address. I have called Home Depot on several occasions and have been assured it will be resolved by their Credit Services Dept. I recently applied for a mortgage only to learn through their credit report that the late payment is still reflecting on my credit ( in spite of being promised it will 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 non-monetary relief
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I downloaded XXXX XXXX yesterday for the first time and I noticed had several accounts that didn't belong to me. So I decided to pull my report and notice two accounts that are not mine.

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 2021-06-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I 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 Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 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 please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
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: Account status incorrect

Complaint:
Per Transunion Report, XXXX XXXX XXXX has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, Transunion, and XXXX  ) for the month of XXXX and XX/XX/2019.

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 2023-04-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted several complaints to the Credit bureau and they will not fix the errors and do not reply to my letters that I have sent, I have sent several. It is still reporting inaccurate information and I want this deleted immediately! 

as well as inaccuracies across each credit report. Different dates, different amounts etc. this is by law Illegal! 

There should only be 1 address, 1 name any additional information needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
US Bank had the wrong phone contact and never sent me anything notifying me of a late payment. The first notification was from a paid credit protection service notifying me of two thirty day late payments. My credit score was XXXX prior to this event and has been severely impacted. This was not due to may ability or willingness to pay but rather due to poor customer communication. 
I have made numerous attempts to contact them and submit documentation but the means of contact via fax number they provided have been unsuccessful. 
I am also not receiving mailed documents from the bank that I requested. 
The initial issue stems from a documented theft involving my personal financial information. I had to deal with closing and re-opening several accounts. 
Also : I did receive a mailed document from US bank that may shed light on part of the problem. They are mailing documents that have shifting contents and the address does not show in she clear " address window '' if the envelope. 
Additionally, I have made numerous attempts to fax on multiple occasions and the fax line is busy and transmission does not go through. 
I have been assessed two 30 day late payments do to the banks unwillingness to provide clear communication to me as a customer. Had I been properly notified this would not have happened.

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 2022-11-23
Company: EQUIFAX, INC.
State: MI
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Consumer Solutions Group
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collectors keep calling for an employee that worked for us over 2 years ago. He was terminated in XXXX of XXXX. They have called on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and two times on XX/XX/XXXX. 

The gentleman says his name is XXXX XXXX calling for XXXX XXXX and says that an employment verification is complete and XXXX must call them to prevent an LOI from being sent to his residence and place of employment. He leaves a return number of XXXX referencing case # XXXX. The caller ID on my phone shows the number calling me as ( XXXX ) XXXX. 

I called this number on XX/XX/XXXX and asked for XXXX XXXX and was told he is not available. I told the gentleman on the phone that the company needs to stop calling us because XXXX XXXX has not worked for us for over 2 years. I was told by the person that answered the phone that they would let XXXX XXXX know to stop calling. 

On XX/XX/XXXX, XXXX XXXX left two additional messages, both for XXXX XXXX referencing the same reason for calling and case #. 

I called the number and told the person answering the phone that I already called yesterday to tell them that XXXX XXXX hasn't worked for us in over 2 years and to stop calling. I was hung up on. So I immediately called back and XXXX XXXX answered the phone. I again told him that I had just yesterday demanded that the company stop calling and that he has called yet again. I again demanded that he stop calling. I told him I am filing a complaint with the NV Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I requested USAA to send {$190.00} to my Home Owner Association account # XXXX on XXXX, 2022. See the attachment " XXXX '' which was provided by USAA mailed to me through US Post Office. It shows I requested to send to an account ending with XXXX. 

But, in the receiver 's receipt provided by XXXX XXXX XXXX, it shows this payment was sent to an homeowner ID XXXX. 

Because of this mistake, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) applied {$1000.00} in fines. 

In the past I called USAA numerous times for help resolving the issue. But, USAA was not able to do anything on my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX  / XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX / {$430.00} XXXXT / XXXX / {$0.00} XXXX XXXX / XXXX / XXXX 15 U.S. Code 1681i - Procedure in case of disputed XXXX ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EOSCCA Collection Company has continually send correspondence to my home address requesting payment for a debt that is claimed to be owed to XXXX. I am UNAWARE of this company and I DO NOT OWE XXXX any debt. In XXXX, I CLOSED out an account with XXXX by paying the FULL balance and returning all of its equipment and DO NOT OWE a debt to XXXX. I have contacted XXXX in regards to this matter and was told I needed to speak with EOSCCA Collection Company because they brought the debt and they NO longer have any information pertaining to this debt. This information is totally INCORRECT and I have made several attempts to resolve this issue with EOSCCA Collection Company who stated that there is nothing that they can do. I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. When I requested a copy of the account, I received an OLD XXXX XXXX dated XX/XX/XXXX from EOSCCA Collection Company showing the final payment of {$310.00} that I made to XXXX and then the payment was reversed. It also shows {$650.00} in Equipment that I RETURNED to XXXX and {$67.00} in fees and surcharges that I do not owe. The total amount was listed at {$1000.00}, which is INCORRECT. In addition, this company has placed a COLLECTION ACCOUNT on my credit file for listing the amount owed {$1100.00}. It also indicated that this account was OPEN on XX/XX/XXXX. I did NOT conduct any financial transaction with this company on or about XX/XX/XXXX. My account with XXXX was CLOSED in good standings 4 years ago with a {$0.00} balance. When I contacted XXXX, the company was NOT able to provide me with a final statement or any information stating that I owe any money. 

I have NEVER conducted any financial transaction with this company nor have I ever signed any legal obligation to pay this company any money. This company DO NOT have the legal right to collect any money from me. 

I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. 

I DO NOT have any other Collection Accounts on my credit report and this company is impacting my credit rating tremendously and damaging my credit along with trying to collect a debt that I DO NOT OWE. 

I AM REQUESTING THAT THIS DEBT BE REMOVED FROM MY CREDIT FILE AND NO ADDITIONAL ATTEMPTS TO COLLECT A DEBT THAT IS INCORRECT BE SENT TO ME REQUESTING MONEY THAT IS NOT OWED. 
I am respectfully requesting that you please review and take appropriate action. Thank you in advance for your attention to this matter. Ill await your

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-11-08
Company: EQUIFAX, INC.
State: MO
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:
Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XXXX XXXX XXXXFirst I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 XXXX a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Recently, a payment was made on the account to cover the total balance of the account for the Credit Card issued by Capital One. Capital One refused to make the credit available, citing that they would need to wait up to 9 days in order to verify that the payment cleared through my bank account. After two days, I verified the payment was taken from my bank account. Capital One still will not make the credit available, but they decided to post interest right away on the account. 

I've also reached out to XXXX XXXX who has not responded to my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not authorize XXXX XXXX XXXX ON XX/XX/2022 remove this please and this was placed on the Experian.

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 2021-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To date this year since XX/XX/2021, Wells Fargo has deducted 75 overdraft fees from my checking account at {$35.00} each. The total is {$2600.00} this year. The bank also charged me over {$2000.00} in fees last year. I work in construction and take home less than {$50000.00} per year, so these fees cause me very real hardships. 

I turned off overdraft protection years ago so that charges would just get declined. However the bank still approves some recurring transactions even though I don't want them to. 

I should also note that I covered all of these overdrafts within a week at most. I work full time and have deposited a paycheck every Friday at Wells Fargo for the last 5 years. 

I've also gone into branches many times to request fee reversals. After reversing a few fees about a year ago, the bank has since refused to reverse any more. Last time I went into a branch, a banker read through my transactions and shamed me in front of other customers for incurring the fees. It was humiliating. 

I really don't trust Wells Fargo at this point. They send emails daily saying they're here to help during COVID, but then they charge me overdraft fees everyday. I feel totally manipulated and exploited. 

I just want them to stop charging me fees so I can finally cancel my account and switch to a new bank. It feels like an abusive relationship. I worry Wells Fargo wants to keep me in this hole, which is why I now feel the need to file a complaint. I'm just looking for a way out, and to prevent them from preying like this on other vulnerable people. 

Sincerely, -- 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