BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On or about XXXX XX/XX/2020 I had to travel to XXXX for personal emergency XXXX Father in XXXX passed away ). I was going from XXXX XXXX XXXX XXXX TX XXXX to XXXX XXXX New Jersey ) to XXXX. I used my credit card for buying some food at XXXX and XXXX. 
It seems that there was a XXXX vending machine which might have done some dummy {$10.00} transactions ( 3 in number ) and none of them were successful. As it is XXXX and personal emergency plus being in XXXX ( away ) from USA - I have no way to contact Citi Master card. I am having this card for at least 5+ years. 
Later I saw that Citi Master card reached out to me and expected to do the dispute for this authorization kind of charges from XXXX. It was expected that if i want to dispute them - I am forced with a new credit card being delivered to my USA address XXXX XXXX TX ). For me it is unacceptable to get a replacement card in USA- I just wanted to continue the services with this little inconvenience ( may be {$30.00} kind of 3 charges of {$10.00} each from XXXX XXXX rather than getting a replacement card being sent to my USA address and I am not having any credit card in XXXX as I am not sure how long I am here in XXXX now ( 3 weeks or 2 months ). 

What i am seeing is that Citi master card blocked my account access. This block means blocking Citi master card as well as Costco Citi visa card. My family is still in USA and they have mine Citi Costco VISA card for costco and other purchases. 

This is so ridiculous that Citi want me to call them in USA ( i can't make international calls ) and go thru some useless IVR/Robot to get nothing out of it. 
Why can't Citi upgrade their Artificial intelligence and machine learning algorithms to do better fraud detection. If a person made some other transactions in that place - why some other failed transactions is an issue.

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 2019-03-23
Company: ID Analytics, 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 have called XXXX XXXX Numerous times, Left Numerous voicemails requesting a security freeze be placed on my file, and for a copy of my consumer report. They refuse to call me back, They haven't placed a security freeze even though I am a victim of identity theft and refuse to even reach out to me. Please review the Identity theft affidavit below, and promptly send me a copy of my consumer report. Also please place a security freeze on my XXXX file as there is fraudulent accounts on my XXXX consumer file that I will need to have blocked, but I have not been able after numerous attempts to obtain a copy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
The company is Toyota Financing. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting Toyota the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: LEXISNEXIS
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I would like to order my full report from LEXIS NEXIS, XXXX XXXX, XXXX. I am having issues with inaccurate information on my credit report that has been reported from one or all these CRA 's. I need my correct information to reflect on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-02-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I started a dispute for a transaction on my account on XX/XX/2018. BBVA Compass says disputes can take up to 10 days to be handled and will notify me if they need anything. 

Today, XX/XX/2018, I created another dispute for another transaction on my account ( from the same company ) and found they denied my previous dispute. I called the number provided asking reasons why it was denied. The gentlemen started reading MY dispute but did not inform me of the reason. I asked again for the reason which he replied he would contact the investigator. After about 15 minutes of this ( asking for reasoning ) he stated there was no evidence to support my dispute. I told him that was correct, there was no evidence why the company would charge me twice in one month for something I don't have. Again, he stated not the evidence for the company but for my side. I informed him that no one ever contacted me for evidence or the contract. This time he gave me an email to send the contract to. I asked for him to open both disputes again and please handle it properly. 

Any other merchant service will dispute directly with the company, BBVA Compass bank does not do this. I don't think they do anything. Their dispute process is completely fraudulent. When I asked for the company 's merchant services so I can dispute directly he refused to give me any information. XXXX won't let consumers directly dispute since everything is handled through the providers ( in this case the bank ). I still don't know the information for the company 's merchant service provider as I could directly dispute with them and they would help I am sure. 

I asked for a new debit card and they refused since they won't consider them fraudulent charges, even though I have never authorized the charges. 

BBVA Compass is not disputing anything, they simply sit on a transaction for as long as possible and then close it with no evidence or support. They won't even file disputes on the consumer 's behalf ( their member ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposit a check through the mobile app on my phone for XXXX dollars and I was told that my money will be available until Thursday XXXX of XXXX and they gave me a hard time over the phone and said they need to verified the funds are legit and Im so sick of waiting and I need my money right away

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud and sending settlements letters to the credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions Inc.
State: NJ
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:
They is a child support report on my credit report. I do not owe anyone child support

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dating back from XXXX of XXXX, I have made numerous attempts to contact Transition via mail in an effort to rectify and have them remove the inaccurate and fraudulent information that is reporting to my consumer report. On XX/XX/XXXX, I attempted to call Transition to ensure that they have received my FTC report and spoke a representative by the name of XXXX who notified me that even though I submitted an FTC report and Transunion did in fact receive this report that they would not be able to remove the items that are showing up inaccurately and fraudulently. I also informed her of the various addresses that do not belong to me, a public record : Bankruptcy that does not belong to me in addition to a collection : XXXX XXXX XXXX that is showing up on my report and two other accounts that are showing up as owed and delinquent : XXXX XXXX XXXX XXXX XXXX and XXXX. I also notified this representative that there were also inquired that were showing up on my consumer report that have hindered me from extending my open-ended consumer credit plan to various corporations including ; XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and US Small Business Administration. After having this conversation I left feeling anxious, overwhelmed and depressed knowing that inaccurate and fraudulent information could show up on my consumer report and possibly not be removed.

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 2022-08-09
Company: Wolf River Development Company
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Was given 2 different quotes on loan. They ended up giving a more expensive payment plan.. I asked if I can think and would call them back each time was different. When I called to ask about I was told a completely different payment option they said I should have taken the first option I was quoted. Everytime I called I've gotten different people and have no idea what is going on. I 3lectronicly signed during email but 8 signed into account to see the contract was not what I thought loan and payments were

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

XXXX shows 3 XXXX XXXX  charged off Accounts & a charged off account from XXXX XXXXXXXX XXXX XXXXXXXX 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 2018-07-30
Company: Nelnet, 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:
XXXX XXXX XXXX is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer Financial Protection Bureau to meeting next month XX/XX/2018 in XXXX with XXXX XXXX XXXX, myself and document expect to look at promise note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is an account on XXXX that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02
Company: EQUIFAX, 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:
I am writing this due to Non-compliance with the Credit bureau Equifax, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Equifax if this account is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On sunday XX/XX/XXXX I contacted a seller on a XXXX   group who would sell me items for a discused amount of XXXX bucks due to paypal fees it would come to XXXX sense then after sending him a confirmation that the money been sent he asked me to send him XXXX dollars to another paypal account when i went to sent it to the orginal one i kept getting error messages. Also he instructed me to list it under friends and family so he could have acess to the money faster. I contacted customers service they said they get back to me in 12 days but also sent the email adresses involved in the disputed transcation to paypal scam alert email address within an hour they had contacted me back saying th accounts were part of a phishing scam but when i spoke to customers servics they said no such emails were exhanged

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One change my billing date with a last minute notice. I call them to ask why my billing date was just change at a last minute. I talk to some one at Capital One and discuss I wanted my date to stay at and on the XXXX  of the month. I was on the phone for 45 minutes back and forth been transferred to talk to some one higher up. I was told that the XXXX of the month to the XXXX  of the month. I called back to ask where is the letter that I was told that would be mailed out. Got the run around on XX/XX/2019 more run around was told no such call I did not call. Capital One transferred me to 3 other people like a cat and mouse game. I called back Capital One Bank Rep was very rude talking all crazy. Capital One Bank seems to have issues one rep telling me her date change and all that has nothing to do with me and is not professional in any way or has nothing to do with my issue is and the date that a rep said was going to be on the XXXX XXXX I have XXXX  accounts and was stated would be adjusted to the XXXX of the month. Call back on XX/XX/XXXX9 and told now it 's going to take 3 months to adjust but Capital one just change it at last minute. One excuse after another 3 months now. Capital One Bank seems to be having financial issues with there credit card clients paying on time so now it appears there just trying to change things for there benefit and give customers the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Report act XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX  : XXXX XXXX XXXX ( XXXX XXXX XXXX ) # 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 non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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:
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 explanation