BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/2020, I purchased active wear for XXXX XXXX from XXXX and I disputed the charge for non receipt of merchandise. The shipping department requested that the merchandise be returned. I disputed {$380.00} cents and the matter still has not been resolved. Citi Bank Disputes sent me a letter stating the merchant is willing to resolve the issue with me, however the merchant is stating that the credit card company still has the funds frozen regardless if the dispute is closed. 

I am requesting an immediate refund for this account and fully refunded for non receipt of merchandise.

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 2023-11-22
Company: EQUIFAX, INC.
State: FL
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: MRS BPO, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not know who this company is or why they are contacting me about a XXXX XXXX XXXX. I called and they can not provide a validation of my account or any information but placed it on my credit report. I was told they tried to call in XX/XX/2017 and couldnt reach me at a number I had never heard of. I further asked if I was ever contacted via mail and they said they are not required to mail anything as a phone call is sufficient. This appeared on my report out of no where and I want it deleted immediately! I was told by their rep they are not required to know the FCRA rules cause its a third party collection agency and they purchased the debt and thats good enough for them to say its mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have an XXXX XXXX AAdvantage credit card issued by Citi. I've received an annual membership fee. I do not use the card so I try to cancel. Citi can not find my account even though I clearly can log on and see the bill due. They say they can not help me. I do not want to perpetually pay off this fee, I received an unusual activity statement from XXXX 's credit monitoring tool which alerted me to the fee. If I do not pay this fee it will likely effect my credit. I've attached the statement.

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 2018-04-07
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 have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance

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 2020-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received an email about a non-existent debt from an old checking account with XXXX bank. I still bank with XXXX so the accusation of debt and check fraud is invalid. The email was a gmail account not a business account and the email included my driver 's license number, social security number and old bank account number. I am terrified that someone now has breached my security and has my social security number and circulating it in an email is not safe. The company signature says National Credit Adjustor but the email XXXX XXXX XXXX XXXX using email address XXXX. I will add some safety measures on my credit report but need to stop this from going any further. Hopefully you can help me or guide me in the direction of someone who can help. Attached is a copy of the email they sent me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. XXXX terminated my account when there was an issue withdrawing my payment, and they still report it at 60+ days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due

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 2021-01-31
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XX/XX/2020 I sent money to my brother from XXXX - using Western Union Website- to XXXX XXXX XXXX the receiving bank XXXX XXXX XXXX the money to XXXX  account this a non-profit organization who receive the money on behalf of my brother and then forward to him. Since he was not reachable when the transfer was done, XXXX refunded the money to XXXX XXXX which at the same time forward it to XXXX XXXX XXXX XXXX which is Western Union merchant processor - I have reached to Western Union, they say they would escalate but as of today more than 30 days I have not received a response My brother personally reached XXXX XXXX XXXX XXXX they provided letters reference the money was return to the agent. I tried to reach XXXX XXXX  XXXX limited looking through XXXX but the number doesn't resolve and their contact page doesn't load.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: WI
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:
The credit bureaus XXXX  and Equifax have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX  XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as Transunion, XXXX & XXXX  authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.

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 2023-08-10
Company: Phoenix Financial Services LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the XXXX signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am being charged a {$20.00} maintenance each month and Ive continuously been given misinformation on how to avoid this fee. I was initially told by several employees that a direct deposit of $ XXXX would allow me to avoid this fee, which I did. After still being charged, I reached out to Truist and was informed I had to direct deposit $ XXXX. Ive since increased my monthly direct deposit to {$3000.00} and am still being charged. Ive asked several times for a fee schedule and am being told it doesnt exist. At this point, I can only assume Truist is intentionally misinforming consumers to charge additional fees.

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 2019-02-01
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: Their investigation did not fix an error on your report

Complaint:
I sent dispute letter with my attached proof from XXXX to XXXX  and XXXX  in 2017 requesting them to update my credit report. I got response back from XXXX  in a email stating they only could update my credit report once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They Wells Fargo charged me XXXX for taxes ... for what tax ... I already wrote to you people ... the money that they charged me at the amount of XXXX for taxes ... I've told you people I don't pay taxes ... 
Now you have the paperwork of what they say ... .where they took the money for taxes ... they contradict themselves ... now it's not about taxes is about escrow..that they took the money ... .Mr. XXXX they Wells Fargo did what? Read the papers ... I already paid for wind and storm damage insurance and fire insurance ... so it there was no money collect from Mr.XXXX ... not from me ... 
Read the documentations where they did what? XXXX me over..where these XXXX sit on their XXXX XXXX ... they XXXX  up and they are trying to cover it up ... just give me my money ... 
from XX/XX/XXXX to XX/XX/XXXX ... taxes ... what taxes.. 
I graduated at the age of XXXX years and enlisted in the XXXX I was XXXX years old when I wet to fight ... in XXXX ... and get this XXXX from XXXX..as I said they are trying to cover up their mistakes ... so what if they get fired ... not my problem ... ask the XXXX ... everytime some crooked mortgage company takes over I have to pay more for my mortgage..WHY IS THAT? 
They stated that they sent a copy of the endorsed check..they are XXXX XXXX ... so one is going burn ... not my problem ... they had no right to take my money ... 
They owe me ... no wonder this country that I fought for..is so XXXX up..where XXXX XXXX runs these country ... but don't think for one minute, I that I will give up to these XXXX XXXX XXXX XXXX XXXX ... they play their game and I'll play mine and they will lose ... The corporate office is not far from me ....

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 2022-06-14
Company: U.S. BANCORP
State: MN
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2021-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have filed several disputes for inaccurate information on my Experian report. For the past several years Experian has sent me generic letters stating they have confirmed this information. 

About 6 Months ago, I spoke to Experian and they recommended I contact XXXX and get a letter stating that this information is incorrect. I did and sent it to Experian in early XXXX. 

Again, I received a standard response, " this information is accurate ''

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 2020-10-30
Company: DISCOVER BANK
State: DE
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've written XXXX concerning act # XXXX on XX/XX/2019, XXXX XX/XX/2019 and XXXX XX/XX/2019 the this act did not belong to me. XXXX has refused to respond back and is continues to cause me from getting loans, job promotion etc. 

Pursuant to section XXXX XXXX a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The XXXX XXXX is respectfully demanded and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX XXXX file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the XXXX XXXX of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ] Please remove unauthorized act from my private/personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
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: 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 3 credit bureaus must validate these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : 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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I contacted XXXX  on XXXX to remove my fraud alert. I then received a letter from XXXX  saying my request was forwarded to TransUnion and XXXX. Surprisingly, both TransUnion and XXXX  created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX  because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.

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