BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received a phone call from a company claiming to be XXXX. I was advised that someone had tried to hack into my XXXX computer and that I needed to update my XXXX contract. I was told it would be {$200.00} and that I would get a discount with a Citi credit card ( Citi may be in on this ). I received an email indicating that I had been in contact with XXXX. I gave XXXX my CitiCostco credit card number for one transaction. The next day, I realized this was a fraud and I called Citi. I was advised that only one transaction had gone through although several other had been attempted but not authorized. My card was terminated that same, next day, and a new card was issued. I later got a statement saying I owed approximately {$700.00} for charges including three additional charges for the day I called to report the fraud. I called Citi and was told I did not have to pay the fraudulent charges. I later got a letter from Citi ( no appeal process ) stating I " participated '' in the scam so therefore I am liable. I wrote Citi on XX/XX/2019 in a certified letter stating the situation. I never received a certification proof but the post office advised me that Citi received my letter. After hours of calling Citi, I was advised that an investigator had been trying to call me and that I still owed the {$700.00}. I have not heard at all from Citi except when I have called and spent hours on the phone. They continue to bill me and even sent me another credit card!! 

These are fraudulent charges in which absolutely no service or consideration was provided to 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 2021-10-13
Company: EQUIFAX, INC.
State: NJ
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 have tried to send Multiple disputes regarding my credit report with no response. I call and still do not get a response. I sent multiple letters with out a response over 30 days ago.To this day over 40 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
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: Personal information incorrect

Complaint:
They merged my credit file with my brother 's credit file because we are relatives with similar name and same address.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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/2022 I purchased hockey tickets online thru XXXX for the XXXX XXXX. I used a card on file. I immediately received an email from Capital One that the transaction was declined because I was using a cancelled card. I went back to the site where i got the tickets and purchased a new set of tickets. I sldo emailed the merchant to inquire about the transaction that was declined and they ssid that both transactions went thru. When i looked in my credit card app both items were on it. I immediately called Capital One and disputed the transaction that Capital One said was declined. We went to the game on XX/XX/XXXX and only used the second set of tickets. I received a message from Capital One requesting more information. I sent it in. I received another message saying i didnt send what they asked for so they are denying my credit for it. I wouldnt have bought a new set of tickets if it wasnt for Capital One saying the card was declined and then they let that same transaction go thru.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.C. SYSTEM, INC has placed a negative mark on my credit. This collection agency has not informed me of this debt or provided documentation or verification of what this debt is for.

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 2017-10-02
Company: EQUIFAX, 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 personally contacted Equifax, XXXX , & XXXX credit bureau through phone, online, and certified mail. It has been 5 long months. Neither bureau can answer or explain the process that is taken to verify an account. I honestly admitted several times that I am unaware of the accounts Ive disputed but its becomjng more of a problem where I must take matters into my hands and contact my lawyer. We will be seeking legal matters. I have every right as a consumer because you have broken several FCRA laws. Section 609, 605, and others but I want to get to bottom line of this. For the final attempt, what is the verification process? If you cant answer and prove the steps and process correctly by law you must remove the accounts that Im disputing. I have given you sometime to fix your errors but you insisted on being egotistic, and now you must pay the consequences for your actions in the courtroom. I have all evidence of the certified mail, phone calls that were recorded. I have my evidence and Im ready to take this to court and publish online about your company about the credit breach, you leaking my information, placing errors on my credit file, false information, not 100 % accurately verifying credit accounts & accusing consumers. I have contacted the creditors as well and this seems to be problem none are responding and are taking this situation as a joke which displays unprofessionalism total disrespect. Well see who gets the last laugh.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this is on there twice ) XXXX XXXX XXXX XXXX XXXX ( Equifax ) COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: First Technology Federal Credit Union
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Completed application only to be placed in an extended holding pattern for approval in. I provided all documentation in a timely fashion i.e., within 24 hours of their request. I was told by the representative with whom i spoke to that I would receive a response within 24-48 hours of their completion of verifying my income as part of the supporting documentation requested. The underwriting department has had my documentation for over 96 business-hours accounting for holidays and has yet to fulfill their word in which they stated they would be reaching back out to 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 2017-10-02
Company: TENET HEALTHCARE CORPORATION
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 not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . T he loan was through  XXXX   XXXX . In   XX/XX/XXXX  our  daughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the majo r Credit rep orting agencies resulting in our credit score falling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departme nt (   XXXX   XXXX   XXXX   ) a nd were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: WAKEFIELD & ASSOCIATES, 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 not a robot, I am no credit repair company, I am a human being please assure I am not given a generated code from the computer with this investigation thank you. 

To whom it may concern this credit breach has bought to my attention that over the past couple years that these accounts were fraudulently open without my knowledge. I am in total shock, depressed and more so XXXX off for the most part that I didnt receive any alerts over the years. To my knowledge I was never contacted or I never gave any one consent to open up any accounts on my credit. Ive mailed over several certified letters and I havent gotten any responses in more than 180 days. I have contacted the state attorneys office and I have filed papers looking to take legal actions because I was never contacted by no one. By law someone must contact me and get consent from me in order to open any accounts on my credit file. If I am not contacted then either the individual that used my identity nor the creditor has the authority to override any consent on behalf of my name or identity. I would like to know the steps that are taken to verify a consumer? By law it states you must verify correctly 100 % before an account can be placed on a credit profile. It puts the creditor at fault and several FCRA laws has been broken in this case. I have contacted my lawyer as if yesterday and we are taking legal actions considering what response we receive and the outcome of this situation. If this isnt fixed or I dont receive a response I will have my lawyer file legal documents immediately following this message response. I also contacted FTC & BBB. I am allowing 5 days to come clean and remove the accounts. Please look at the attached photos. 

Thank you for your time.

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 2017-10-02
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
i disputed the charges and still no actions yet

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 2022-04-08
Company: EQUIFAX, 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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSWORLD SYSTEMS INC
State: NY
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:
Transworld Systems contact my cell # on XX/XX/19, XX/XX/19 ( two times each ) XX/XX/19 again asking for someone other than me ( that I do not know ). I asked them to please stop calling. they were recording this conversation so that should have been the end of it. today XX/XX/19 they called again XXXX in the XXXX ( outrageous ) disregarding previous requests to stop contacting me - they have the wrong number. Now they are harassing me. I do not have any debt. I do not know the person they keep asking for. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Thursday, XXXX XXXX I was notified via email from XXXX  that a new account was opened in my name using my date of birth and social security number at JP Morgan/Chase bank . I immediately called the bank using the phone number supplied by XXXX. JP Morgan confirmed that a inquiry was made and that a application was made using my past name ( ex husbands last name ) XXXX XXXX XXXX and my ssn with my correct DOB for a credit card on XXXX XXXX. JP Morgan is aware that this is a fraudulent attempt at opening an account. I question how this would happen as my credit is locked on all three credit bureaus. I have Now, as of XX/XX/XXXX put a fraud alert on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a item on my credit report via mail on XX/XX/2019 to Trans Union and I received a response today indicating it was verified. Yet, I did not receive requested details and clear explanations on how the information was verified as I requested in my dispute letter. In the results it list information was verfied through the court, yet I reached out to the court and they do not release information to credit bureaus. So it is believed the verification results from Trans Union is inaccurate and I requesting the information to be removed from my credit profile asap.

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 2019-10-11
Company: WELLS FARGO & COMPANY
State: GA
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:
XX/XX/2019 I filed a dispute with Wells Fargo regarding a {$5000.00}. charge dated XX/XX/2019 as this purchased service was not as advertised. Wells Fargo contacted me on XX/XX/2019 to say that medical services can not be disputed. They disconnected before I could explain that this was elective not medical and that I was disputing the fact that I did not receive the service expected. Clearly Wells Fargo did not know how to handle this type of dispute.

I used two separate accounts to pay for the service. XXXX had no issues with returning the funds due to the dispute.

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 2019-02-22
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:
XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # 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 2022-04-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO 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