BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a Citibank Credit card that they allowed multiple fraud transactions to go through in another state ranging from 40-70 each. Citibank failed to notify me and I only learned of their lack of security when I was declined. I called Citibank and was only them informed by them about fraud purchases. I went over with the rep most recent purchases and I disputed all fraud purchases all in another state that Citibank allowed while they declined me. I was told disputes would be started and they would close account and that a new card would be issued. Before I received and even activated the second card Citibank allowed more transactions on new cc. When I asked how this was possible I was told the new cc number was probably a recycled number more like inside job and lack of security. I still wasnt refunded my money and Citibank was giving me problems. I spent over and hour on the phone with multiple reps disputing the fraud charges repeatedly. Ive made 20-30 calls just to get through often times being hung up on, talked over, transferred to close departments or just flat out lied to. Citibank preys on their phone customers not having access to local branches by giving them the run around. After Citibank allowed purchases on a card I had yet to activate I told them I didnt want them to send me a third card, they lacked security and its too difficult to get a resolution or a knowledgeable person on the phone. After some time and more calls My credit account showed fraud charges were reversed but my total balance due never went down. How is that possible? Citibank manipulates the online posts to account. You can go in one day and it shows total different from the next, I have screen shots to prove this.

Also Citibank did not honor the credit card agreement and give me my rewards due based on my spending which usually equals at least a 50 statement credit. 
They also negatively impacted my credit report since all these problems began. Now my credit card has the highest interest rate possible and an amount that was never adjusted. I also successfully contacted the CEO XXXX XXXX via email regarding my credit card and checking account and received an email response from the Executive office saying someone would contact me but like Citibanks response to CFPB that was a lie.not only did I not get a response but when I called no one would help me and told one one person could help me and they werent available and would contact me, another lie. I only received phone calls after complaint to other agencies. It was 3 consecutive phone calls one day with no voicemail. Then they knocking send letters that include lies.

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 2023-02-06
Company: EQUIFAX, INC.
State: NV
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 was apart of a data breach that exposed my personal information. As a result, there have been numerous unauthorized inquires placed on my credit report from fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
These account don't belong to me and or I never made late payments on them.

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 2018-04-26
Company: Credit Protection Association, L.P.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A debt collection agency has repeatedly called me first thing in the morning XXXX waking me up ( I work the late shift ) seeking a debt collection from a XXXX XXXX? I have tried several times to call the number they provide ( XXXX ) to remove my number from their list but it brings me to a dead end and disconnects. I have an old answering machine so do not have a caller ID. Please make them stop. 
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 2023-03-16
Company: Experian Information Solutions Inc.
State: WA
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 requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2021-03-28
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: COMMUNITY BANK SYSTEM, INC.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made several purchases with my debit card : {$11.00}, {$2.00}, {$12.00}. Leaving me {$48.00} balance in the account. Then I had an emergency come up and I withdrew the {$100.00} leaving me at - {$52.00}. They rearranged all the purchases and ran the {$100.00} withdrawal first so they could charge extra overdraft fees on all the others. Is this legal, shuffling all the amounts around from original sequence to set me up for extra fees?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently viewed my credit reports and noticed some inquiries that I didnt authorize. I have sent in multiple dispute letters to the credit bureaus, to resolve this issue. But the issue still hasnt been resolved.which is a violation of the FCRA section 604 since there are inquiries that I didnt authorize.

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 2023-12-07
Company: American Credit Acceptance, LLC
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have perfected a security interest in my private property and American Credit Acceptance is ignoring my Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan account with Santander Consumer USA. I Checked my account statement online for the last 6 months. accounting information regarding my loan is incorrect and shows a higher amount due than what is actually due at this time. possible money laundering and fraudulent activity happening as money is not accounted for based on statements they have provided which do not match my financial statements from bank and accountant. Spoke to FBI to report suspicious activity and was advised to also file a complaint with attorney general of NY and TX including IRS. Also requested all statements regarding my auto loan to be sent via email/ mail and employee stated they " delete files and only keep items for one year" which was recorded on phone line.  Statement given by Santander Consumer states I owe total amount of $XXXX as of XX/XX/2019. Accountant stated I should only owe a total amount of $XXXX as of XX/XX/2019. The amount of $XXXX has been conclusive to not be accounted for that should have gone towards principle amount due. Some statements produced by Santander are blank. Statements also show on several occasions total amount of monthly payment went to interest only. Based on a fixed rate stated in contract that can not be applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Accounts has been fraudulent opened in my name without my consent, I have addressed this issue with the credit bureaus and I have not been able to successfully get them removed from my credit report as I've been in contact with them numerous of times. Further actions will bring suit if these accounts are not resolved and removed from my credit report. I have attached a copy of my police report and FTC identey theft report of the accounts that I am arguing. 

Accounts : 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 2022-08-09
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Navy Federal Credit Union hired a lawyer XXXX XXXX best of XXXX XXXX XXXX XXXXXXXX XXXX  PA to sue me for credit card I have with them that is part of an on going investigation with the U.S. Government for XXXX XXXX & Identity Theft. 

My account/card was purposely frozen or as they have it inactive status due to such actions mentioned above. Credit card and loans were submitted on credit report as a loss XX/XX/2021. As I am am unable to show any activity on creditors or VA Compensation or any government entities until further notice of clearance of said investigation completion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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:
The companies response is that I hired a credit repair company. I sent in the FTC reports andXX/XX/XXXX data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the XX/XX/XXXX data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the XX/XX/XXXX data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this 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 2020-10-25
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My XXXX XXXX XXXX card issued by First National Bank was closed by the financial institution on XX/XX/2020. I did not receive any warning or notification that the account was closed, but only realized it when my card was decline when I tried to use it. When I called in, I was told that it was closed because there was too many recent inquiries on my credit report, which I explained was a result of my two recent back to back refinances on my mortgage to try to take advantage of the declining interest rate environment. Given that this is not an unusual thing for people to do in such a rate environment, and no new debt was established, I requested that the bank reconsider this decision. However, they insisted that this decision is final. I believe that this is unfair practices, and I believe that the bank should have informed me and offered me a chance to explain the situation prior to taking such an adverse action. This account and none of my other credit/loan accounts have never been delinquent, and my revolving debt to credit limit ratio has never exceeded 10 %. I have accumulated nearly 34,000 points through spending on this card and I have now lost access to these points.

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 2018-07-27
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XXXX i sent certified mail experianXXXX XXXX, and XXXX containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.

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: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
All companies listed below have unauthorized inquiries on my credit report, names and dates are included. 

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 explanation
Consumer complaint received 2021-06-13
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: Was not notified of investigation status or results

Complaint:
I have been trying to get updates from off my credit reports. Please remove all unverifiable and unauthorized negative accounts. Or I will have to file for litigation. Please have them update the credit reports immediately. This is against the CFPB regulations and guidelines

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 2020-10-25
Company: Experian Information Solutions 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:
i have been in XXXX for over five years i came out and started to receive collection notices from different companies i filled a police report and sent it in with my dispute info to all 3 credit agency they all did what they were supposed to do except for XXXX XXXX they refused to remove the hard inquiry that were on my file some as recent as today i sent them the police report i filled with all fraudulent account numbers and all fraudulent inquiry they removed the actual accounts but not the inquiries this makes no sense they were all listed in my police report with dates and all they did not give me a reason why when i call them i have to speak to one person whom is in charge of my file and he speaks no English i cant understand him i kindly have asked him many times to transfer me to a different operator that i can understand and they refuse i have written by hand to 19 companies with a copy of police report attached showing this is all done in identity theft and sent them a police they have yet to respond these are all the inquiry that are fraudulent and done by id theft as stated with dates in my police report the only one that was not stated was the one with XXXX done today because i XXXX  received the police report back these are all fraudulent i never authorized any of these inquiry nor did i receive any goods and or services XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry  from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 2022-09-22
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company is National Credit Systems, which is working for XXXX XXXX XXXX.I have filed a dispute. I got a signed affidavit that was also notarized stating this was not mine. It was opened by a name that is not mine and I name I have ever used. It is for an Apartment I never lived in or even know where it is. I own my house, I wouldn't get an apartment. I have filled out an XXXX dispute. I gave them my drivers license to verify signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: LEXISNEXIS
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:
I have mailed several certified letter disputes requesting XXXX XXXX and lexis Nexis to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate information.

Company response to consumer: Closed with explanation