BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
First, this is the dispute I filled with Citibank. Dispute case XXXX APPEAL Hello, I am disputing/ case XXXX  XXXX on my debit card ending in XXXX This charge was made on XX/XX/XXXX i n XXXX FLORIDA . I did NOT authorize this nor did I make this purchase. There were 3 changes on XX/XX/XXXX XXXX for. {$68.00} 1 for {$38.00} and another 1 for {$290.00} All made in Florida I LIVE IN CA LIFORNIA and did not make these changes! NONE of these belong to me. Credit for 2 of them was issued back however you are not crediting me back the XXXX.. Please look into this and have this cleared up. If you have any questions please feel free to contact me at XXXX. Citibank will not credit me back the {$290.00}. They claim there is not enough evidence even though the y credited me back for the other 2. all of these charges were at the same place at the same time. 
I am not getting any resolve from citibank. They have been looking into this for several months a nd I keep getting the run around and keep getting transferred from person to person telling me t hey are looking into this and yet no resolve. I went into Citibank on XX/XX/XXXX spoke to a woman name XXXX  XXXX phone is XXXX who told me that she would help and could see the change was obviously not mine. She then went on vacation for 2 weeks, upon return I called her on XX/XX/XXXX S he told me she was in the middle of an audit and would not be able to help me then said I'd have to take this up with the dispute department that she could not help. That is what I have been doing for MONTHS! Please help me resolve this as I can not get help from Citibank. they are not protecting me or my money Thank you, XXXX XXXX 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 2018-02-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed an collection account on Experian report and Experian just updated and didnt even investigate the outcome. I asked for proof of contract and never received it. I uploaded a letter into Experian on XX/XX/XXXX18 asking for verication of debt or contract and all Experian did was update my credit report stating the collection agency verified. The collection has yet to send me any contracts or proof of the debt. 
SECTION 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. I don't believe this account was verified with them. 
I'm enclosing the letter that was sent to Experian. 
XXXX  and XXXX has DELETED 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 2023-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was asleep at around XX/XX/2023 XXXX not knowing my card was stolen along with other vital information I keep on a peace of paper. This has happened to me numerous times before as I live in a high crime area with theft involved. I woke up at XXXX again not knowing my card and information paper went missing. I get a notification on my phone that someone has taken money from the XXXX XXXX XXXX I don't know which one, there is numerous around XXXX. When I saw the message, I immediately check my wallet and saw that my card and paper were missing. I immediately call Capital One Bank at around XX/XX/2023 XXXX to dispute the amount which they have taken {XXXX} sending my account into an overdraft as well. The agent setup the claim for me and offered a new debit card as well. She then told me it may take up to XXXX business days or longer for the claim. The card came XXXX  days later. When I got my new card I had to add money to my bank because it was in overdraft after getting the new card. On XX/XX/2023 XXXX I get an email saying that my claim was denied due to some kind of pattern activity which I disagree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: Atlanticus Services Corporation
State: CT
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:
Aspire is charging me interests on a disputed amount and is reporting me to the credite bureau because I refuse to pay the exorbitant amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I have made several attempts to have this issue resolved. I Certified Mail was sent on several occasions.

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 2020-10-29
Company: CORELOGIC INC
State: IL
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 have reached out to this company several times via mail and no response due to two inquiries I noticed on my credit report in XX/XX/2019. I spoke to a customer representative in XXXX who I indicated that there were 2 duplicate credit inquiries on my credit report from them. They were able to search the system to tell me it was a company that requested my credit report called XXXX XXXX XXXX I indicated to them that my identity had been compromised and my bag was stolen which pertained my laptop, wallet and other personal items. In addition there is a fraud alert on my credit report, that does not allow any one to pull my credit unless I authorize it, in which I did not make no such authorization. I also noted that my identity was compromise and I had a police report. As of now these inquiries are still on 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 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Im writing in the hope that someone can tell me how on earth decisions to lower or raise credit scores are made by XXXX, XXXX, and TransUnion. 

My credit score for a long while was XXXX - XXXX. I have just short of {$85000.00} deposited in two savings accounts, I have ZERO long term debt, NO car payment, NO student loans, NO medical bills, NO overdue bills of any kind. Still my credit score was dropped a full XXXX POINTS over a {$2500.00} charge that was paid off FOUR DAYS after it was charged??? 

I received an XXXX alert yesterday about a transaction on my XXXX XXXX, one similar to charges that Ive done several times before, specifically about {$2500.00} for vehicle maintenance. After a lengthy conversation with an XXXX rep I found that my credit score was about to be dropped a full XXXX POINTS for something Ive done several times before. That {$2500.00} didnt come close to the credit limit of my XXXX XXXX XXXX and last week I initiated a {$3000.00} payment from my XXXX account that posted to the XXXX yesterday leaving a current balance of about {$100.00}. 

How on earth does a charge of {$2500.00} warrant a reduction of a full XXXX POINTS to my credit score? This is not the first time this has happened but is definitely something that should NEVER be allowed to happen.

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My checking account has a fraud alert for XXXX and BofA has frozen all funds in the account. No funds can exit, but funds can still be deposited. 

There is no fraud as I attempted to deposit in money from a linked account in my name, but BofA claims there is potential fraud. 

BofA has then frozen the account, and I am unable to withdraw cash to pay day-to-day bills. It has been over a week and no response/communication from the bank on what I need to do to lift the freeze and I have been calling them repeatedly to get a response.

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 2023-02-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2019-08-20
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is incorrectly reporting to XXXX ; Experian and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus  to fix this, however I have not been successful.

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 2023-06-09
Company: General Motors Financial Company, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
XXXX XXXX XXXX is incorrectly reporting to XXXX ; XXXX and Transunion two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-20
Company: Merchants' Credit Guide Company
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: Account status incorrect

Complaint:
XX/XX/2019 Regarding false collection activity from - Merchant 's Credit Guide XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX I'm filing this complaint today, to bring to your attention, the actions of Merchant 's Credit Guide. This company is a XXXX-based collection agency that has placed TWO collection account actions on my XXXX   and XXXX credit reportsts. As a result, my credit scores have dropped almost 80/50 points, respectively. 

After further investigating these reports, specifically speaking to the company that Merchant 's Credit Guide claims I owe ( XXXX XXXX XXXX ) I've learned from from them there is NO RECORD IF  ME/SERVICES RENDERED TO ME/BALANCE OWED BY ME on file. 

XXXX XXXX XXXX Billing - XXXX, XXXX I've also spoken to the insurance company that paid all of the workman 's comp claim from last XXXX XXXX injury and they stated that they have - NEVER BEEN INVOICED BY XXXX XXXX  XXXX   and that every claim was paid in full. 

This collection company is clearly COMMITTING FRAUD. Not only are they misrepresenting an organization in an effort to try and steal money from me, but they're refusing to correct this matter until a payment arrangement is made. 

I'm asking that you take action against them immediately. I'm also interested in learning what recourse I may have, as a result of what happened to my credit score. 

I can be reached XXXX XXXX. / XXXX XXXX. Central Time, Monday through Friday. XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
OnXX/XX/XXXX, I was trying to purchase a " XXXX XXXX '' for my furnace from a website calledXX/XX/XXXX. The valve was heavily discounted and I need to save money when I can. The web site showed a regular price of {$240.00}, but marked down to {$120.00}. I filled out the card information and made the purchase. After that, I get a receipt stating I had paid a total of {$94.00} to something called " XXXX XXXX. '' {$87.00} of that total went to XXXX XXXX, the balance was a " fee, '' with no disclaimer stating why the fee was being charged. I held off reporting as I waited for some response that my valve was on it's way. Today, two weeks later, I called Paypal, and I find that this money transfer was tagged as a " Friend or Family '' transfer, and because of that, Paypal claims they can not file dispute, nor can my bank. In essence saying, " sorry man, you XXXX XXXX, but we can't help you, ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TekCollect Inc.
State: NC
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:
A collection agency named Tek Collect Inc just reported a {$2400.00} collection account on my credit report. Before this account appeared on my report, I did not receive my written 30-day notice to dispute. By reporting this debt without providing notice, Tek Collect violated the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each oof the inquiries above where done without my permission or knowledge and have ask them to please fix them by removing the inquiries. 
* My name is incorrect showing XXXX XXXX on my file Each of the below are incorrect addresses on my file * XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: PA
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 sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX I did not receive any answer from the credit bureau about my disputes. They failed to notate those accounts within 30 days now those accounts are in violation not reporting 100 % accurate. Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation