BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX I received a debt collection letter from Credit Control. I exercised my right and sent a debt verification request letter to Credit Control located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX. 
Credit Control DID NOT verify the debt despite my emails that I sent them on XX/XX/XXXX & XX/XX/XXXX and a call to verify the debt on XX/XX/XXXX but instead another Collection company named : XXXX XXXX XXXX. located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the debt on all three of my credit reports without informing me whatsoever about this debt or verifying the debt or providing a reassignment of debt to them. 
This is a breach of the Fair Reporting and Collection Act.

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 2020-10-10
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
Someone fraudulently used my American Express credit card number that my son set up for me as part of his account to purchase without my permission four items from XXXX. The items were sent to my address in Maryland. There were two fraudulent transactions. A total of {$92.00} was fraudulently charged to the credit card number for the first transaction on XX/XX/20. A total of {$12.00} was fraudulently charged to the credit card number for the second transaction on XX/XX/20. I did not place these orders. We notified XXXX and American Express of this situation. We were able to return three of the items to XXXX, who acknowledged the return. When I asked for a return invoice from XXXX for the fourth item, they sent a return invoice with the wrong UPC code - a UPC code for an item different from what was sent - and refused to accept the return. American Express has refused to cancel the charges. In addition, we notified American Express of this situation and they canceled the original credit card number and issued a new credit card number. The old credit card number was no longer valid or active. Despite the fact that American Express invalidated the old number, someone fraudulently used the new credit card number to make the last purchase without my permission because American Express linked the invalidated number with the new active number - allowing an additional fraudulent charge. American Express is charging us for items that XXXX accepted for return. It appears that any money was refunded to the person who set up an account that used the credit card fraudulently. 

A piece of clothing was sent ; not lip brushes, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was compromised. I received notification from all three credit bureau indicating that my personal information had been compromised. There were accounts that were not paid with that showed up as collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and delete the accounts which were opened by fraud as per FCRA Section 605B ( a ) : I called the credit bureaus and was told they are working remotely from home. How is this legal for them to have access to my information and they are not being supervised?

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Formerly, I made an investigation regarding some items with inaccurate information and after checking my report I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC 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 2023-10-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Re : Citibank I am adding supplement material about a complain I made yesterday, XX/XX/2023 Complaint : # XXXX I am attaching two on-line banking images of check # XXXX for {$10000.00}. that was deposited & cashed under the WRONG check number : XXXX. The two images of the cashed check is from my online banking, taken this morning XX/XX/2023. These screen shots display the cashed check and incorrect check number. 

For a bank to be so inattentive to an error like this, an error that could cost us the property that we are trying to buy is inexcusable. To not rectify this blatant error in a time of identity theft is beyond belief. To walk into a Citibank and to be sent to a corner to call a string of 800 phone numbers is beyond insulting. This is how Citibanks treat middle-class customers. I'll bet you a nickel that this problem would have been taken seriously for the billionaire class customer.

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 2020-11-15
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: Information belongs to someone else

Complaint:
hello, this is actually my 3rd time reaching out to the credit bureaus regarding these fruadelent accounts and inquires on my credit report. They refused to investigate and correct the errors. These accounts are NOT mine. i have attached the FTC report below

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 2020-12-07
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2023-06-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I closed both my checking and savings. However, citibank reopened my savings and took out XXXX to my other bank, XXXX. I sent it back so they could close it and yet they still won't close it. It's either that they close it for sometime and then it shows up as blocked account now. I can tell because when I call online and put in my Social security and my pin number, it shows a XXXX balance, meaning my savings account is still open. On XX/XX/XXXX, I went to a local branch and tried to get the teller to close my account and I signed a paper. Then, they didn't close it on XX/XX/XXXX, so now I went back on XX/XX/XXXX where they now showed my account as closed after I told them. however, today on XX/XX/XXXX, Citibank shows my account as now blocked but not closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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:
I am writing this due to non-compliance with XXXX, Experian & XXXX. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions

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 2023-06-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, LoanCare, has been holding our insurance claim money in escrow since XX/XX/XXXX when they cashed and deposited our checks. On XX/XX/XXXX their inspector approved our home repairs at 85 % complete and after numerous phone calls they released 62 % of our money saying the rest would be released after final inspection. On XX/XX/XXXX, their same inspector came back and approved work completed to 100 %. It has now been 2 weeks since the inspection and we have not heard anything from the insurance claims department. 
We have worked tirelessly since Hurricane Ian hit us on XX/XX/XXXX and LoanCare has caused us great stress and financial hardship as we struggled to put our home back together. 
My mortgage is current and payments have always been made on time. Please help us.

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 2022-03-12
Company: EQUIFAX, INC.
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:
I came to a agreement to settle the account in full with XXXX XXXX XXXX for a lesser amount than I owed. XXXX agreed for to settled the account paid in full for {$3300.00} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my experian and equifax that I still owe {$3300.00} and I would like this removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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 do not have nor have ever had a XXXX Bank credit card nor bank account. This is an error.

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 2020-01-31
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:
I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.

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 2020-12-10
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I recently called Equifax to temporarily unlock my credit file to turn power on with XXXX XXXX. I provided all my information and was verified. I started my service with XXXX energy in XXXX of 2020. When I called back regarding another matter the representative told me that the information that I provided her did not verify my identity. I know that whenever anyone does a credit check with a creditor it automatically updates you name, address and provided information in their system. I am using a public computer so I don't want to provide my social security number. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I made the call to duke energy, I believe, on XXXX XXXX, 2020. I believe someone has changed my information in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I opens up my Clarity credit report and found multiple incorrect information

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 2023-02-25
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I finally paid off my full student loan to Navient in XX/XX/2022. I did so around the same time another auto-payment was being made causing my account to be overpaid by {$100.00}. I requested a refund in XXXX and they said they processed it and it would be returned to my bank account within a couple months. I never got the refund and have requested another update from them without resolution. What can I do to get my over payment refunded to me? 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Transfinancial Companies, Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transfinancial Companies has been reporting improperly on my credit reports on multiple occasions. After being asked to verify information of the debt the company provided me with the incorrect social information on the debt and the records of validation. The company then removed one of the accounts and left the other account on my credit report in the amount of {$940.00}. I have repeatedly requested that the company remove this incorrect account from my credit reports as it is not mine. The company also placed the same account in the amount of {$940.00} with the same account number as a new account on my XXXX  report as a new account with the company. As it stands on my XXXX  report I have two separate accounts for {$940.00} with the same account information and account number that has the incorrect social security number on them, verifying that the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

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 2021-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 12 accounts on my credit that do not belong to me these are not mine I havve not applied signed or used these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 2017-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have XXXX credit cards with Capital one for about 5 years. A year ago I called to let them know that I was having financial difficulties as my husband had filed bankruptcy. They offered to waive late fees for 90 days, which they did, but told me that was all they could do. I closed both accounts that day. I continued making minimum payments, which covered interest and late fees, for about 9 months, until we were impacted by hurricane Irma. Being self employed and unable to work, I couldnt afford to make minimum payments anymore. I called them to notify them of my difficulties and told them that I could possibly settle with them when I get my tax refund. They never offered me anything. 2 days later, they reported 90 day lates on my credit, dropping my score by XXXX points!

Company response to consumer: Closed with explanation