BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
When I opened an account with Fifth Third Bank it was a free account with zero minimum account balance and zero service fees. This was in XXXX. On XX/XX/XXXX Fifth Third Bank, ( XXXX XXXX, Michigan ) charged me an XXXX dollar service fee and reversed it on XX/XX/XXXX. They told me they made a mistake then. On XX/XX/XXXX they again charged me an XXXX dollar service fee but only reversed it for the amount of XXXX dollars and only when I told them they were thieves. They said they changed my account 4 years ago but never told me they were doing so. The branch manager, XXXX, said they have a right to change anything involved with their bank and in a loud toned voice towards me. I have been complaining about their bad banking and currently in the process of changing my direct deposit information so I can leave this bank. I think the public should be aware of how they swindled an elderly adult. If this Financial Institution nickel and dimed everyone like they did me they are making a great profit on a persons hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
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:
Equifax is reporting two accounts for student loans with a company called XXXX ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: NC
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2020-10-17
Company: CITIBANK, N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, I am a client of the Master card that XXXX offered me through Citibank, since XX/XX/XXXX an amount of {$950.00} dollars appeared on my invoice, I called to report that I was not responsible, I received after so many calls claiming I received this check send them my driver 's license to verify that it is not my signature and they have not solved anything yet, please ask for help in this matter I also see strange movements that have been charged without justification, if they see now they are {$950.00} the charge of the check, and I ask why it now adds {$4.00} more and they do not give an answer, Here I include the Check, the statement that appears {$950.00}, my license as proof that it is not my signature. 
The account number is XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Thank you!!!

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 2020-06-01
Company: ALLY FINANCIAL INC.
State: WA
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:
In XX/XX/2020 a dealership in XXXX regarding a vehicle inquiry and the salesperson promised that they won't run my credit but within a few minutes I noticed that they made more than 10 inquiries on my credit with my consent I contacted the dealership and the financial institutions many times but they are not cooperating. So I would appreciate if you helped in removing these inquiries from my credit. 

Thanks 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 2023-02-22
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: Their investigation did not fix an error on your report

Complaint:
In accordance with fair credit reporting acXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights XXXX is the amount I'm disputing the company let someone Doc sign for apartment in XXXX Texas 15 u.s.c. 1681 section 602A states I have the right to privacy 15 u.s.c. 1604A section 2 also states A consumers reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Affirm 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: Account information incorrect

Complaint:
The loan with Affirm for XXXX XXXX was charged off in XX/XX/XXXX. I settled the balance with XXXX ( debt collection agency ) on XX/XX/XXXX. Affirm keeps reporting that the account is still open with a balance when there is no balance and the account is closed. They were able to provide me with a loan verification document but continue to submit inaccurate information to the credit bureaus about the loan payments. Please stop this company from further damaging mine and other peoples credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in the summer of 2022 I reached out to Navient to request my master promissory note for my XXXX XXXX XXXX loan. I was told that I could retrieve it online but that was not the case. I asked Navient 's customer service to send me a copy in the mail. The copy that I received is not legible. It also did not contain the rights and responsibilities of the borrowers. I would like to be sent a readable copy along with my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Southwest Credit Systems, L.P.
State: OH
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:
Creditor : XXXX XXXX XXXX Creditor Acct. # XXXX Principle {$170.00} This is not a valid debt. I had XXXX  as my cable, phone, and internet provider for exactly 1 year. 
XXXX XXXX XXXX was the start date and XX/XX/XXXX was the end date. The TV was disconnected on XXXX XXXX, XXXX and XXXX XXXX began. The phone and internet was terminated XXXX XXXX, XXXX. I called XXXX to pay for the extra week on the phone and internet and was given the price of {$43.00}. I said OK and send the bill. 
When the bill came it was for {$170.00} and I immediately called and was told they had just changed there policy and billed only for a full month. I refused to pay and told them I would pay the {$43.00}. and they said no. 
In XXXX, XXXX I received a bill from Southwest Credit. I wrote them a letter explaining this and they sent me a letter on XX/XX/XXXX. This letter stated they had received my letter and they contacted XXXX XXXX regarding my account and did not receive a response from them. The letter from them said they had ceased collection efforts as they were not able to complete their investigation on my account. It was signed XXXX XXXX, Southwest Credit Systems, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}

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 2022-10-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Paypal Holdings, Inc
State: VA
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:
I paid in full through Paypal for a cruise and airfare that was cancelled on XX/XX/XXXX by the travel agency. XXXX XXXX XXXX promised full refunds that originally were set to pay out on XX/XX/XXXX. However, on XX/XX/XXXX, they changed the payout date to XX/XX/XXXX. On XX/XX/XXXX, I received an email that they were still working to process my refund and that I would receive a phone call with a Final Date and payout. On XX/XX/XXXX, after not receiving a phone call, I sent an email inquiring about the status and I have not received any further information. The transaction details are as follows : XX/XX/XXXX -- {$300.00} ( processed via paypal ) XX/XX/XXXX -- {$370.00} ( processed via paypal ) XX/XX/XXXX -- {$300.00} ( processed via paypal ) I am currently in the process of disputing the XX/XX/XXXX charge through paypal. However, the transactions that were made on XX/XX/XXXX and XX/XX/XXXX can not be disputed and were denied due to the fact that transactions have to be disputed within 180 days. The charges also can't be disputed through XXXX as I am outside their dispute window as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-17
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:
To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1.XXXX XXXX & XX/XX/XXXX 2. XXXX XXXX & XX/XX/XXXX 3. XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX  XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX  XXXX  & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX  & XX/XX/XXXX XXXX XXXX & XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My  contact information is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2020-04-08
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX XXXX {$870.00} XXXX   XXXX XXXX {$1000.00} XXXX XXXX {$1100.00}

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 2018-07-31
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has repeatedly called and left numerous messages even after I communicated that I do not owe this debt. It is a medical debt and I never gave them permission to access or discuss my medical information and is a violation of HIPPA. I have ask the company to validate the debt and provide me with a contract between myself and this collection agency and to date I have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: OH
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, I have just learned that my fraud submission for Case # XXXX ( note a second case # XXXX filed on XX/XX/22 at the suggestion of XXXX ) has been rejected. This is my Appeal Letter. I am confounded by the banks denial of my claim. Please take another look at this open and shut fraud case and refund the {$980.00} that has been taken out of my account. 

On XX/XX/XXXX around XXXX ET, I was contacted on my cell phone by XXXX XXXX XXXX the number she used was XXXX XXXX ), who said she was with XXXX. She claimed that I had XXXX pending transactions coming from XXXX against my XXXX XXXX account. Note I have a joint account at XXXX XXXX XXXX which I share with my wife, XXXX XXXX. As an aside, I only recently signed up for XXXX on Citi and have used it only a couple of times it is not an application I am comfortable with yet and am surprised that the caller knew so much about me. 

The first thing I did was conference in my wife in to see if she had used XXXX for the {$1900.00} and {$900.00} ( the XXXX transaction amounts that XXXX XXXX mentioned ). When XXXX said she hadnt, I then went through the steps that XXXX XXXX suggested to block the transactions. 

I as told to open XXXX and put in these digits : XXXX ( which I should have recognized was a dollar amount but didnt at the time ) and put this detail in the notes field : XXXX. I was also provided with a XXXX # XXXX. 

When XXXX XXXX asked me to do this again with a second set of larger digits ( which would have been a larger dollar amount ), I asked to speak with her supervisor. She put me on with a person, XXXX, who said I was at risk and take this next step. He provided me with his phone number : XXXX XXXX. I told him I was uncomfortable with the situation and was going to call my primary bank, Citi, to investigate. 

At this I hung up and called Citi to report the fraud. 

On my call with XXXX today at Citi, I was told that my claim was denied. I am dumfounded by this decision. I am the unfortunate victim of a fraudulent transaction and I expect Citi to stand behind me. I would be glad to get a phone record from XXXX if helpful to your investigation. 

Please call me at XXXX XXXX XXXX if you have any questions for me about this submission. 

Thank you in advance for a thorough and proper investigation, XXXX XXXX Account # 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 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My XXXX year old daughter 's SSN has been stolen. Someone has been attempting to use it and has used it for the last year and a half. They have purchased a car and taken out a loan. It is almost impossible for me to do anything about the problem. The credit bureaus make it extremely difficult to correct the problems or even freeze her credit. They want me to send all of her ( and my ) SS cards, birth certificates and my drivers license through the U.S. postal service to a P.O. box before they will even talk to me. So if someone didn't already have all of her information they probably will now that I have to send copies of it to 3 different bureaus through the mail. It is absolutely ridiculous!! In the meantime, criminals are spending away. And the amount of time I have spent on this issue is absurd. The laws have to be changed so that they aren't in the criminals favor. It's too easy for them and too hard for parents. Thank you.

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