BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When after-quarantine shopping on XX/XX/XXXX at Macys I was advised by an associate that I may get extra 25 % saving first day shopping if applying for Macy 's credit card - then I've applied and the application was immediately denied with remarks that I will get an explanation, which i got - see attached. It says that " my previous relationship with Citi affiliates ( sic! ) they decided do not serve me more. When I saw " Citi ( ank ) " I immediately reveal the case : I've had my IRA with Citi Bank for more than 10 years until XX/XX/XXXX, when I got a letter from IRS saying that Citibank reported that in XXXX I've pull out from my IRA $ XXXX and did not pay taxes on that owing to the IRS about $ XXXX on back taxes. As a matter of fact on medical emergency I've took out $ XXXX, but according to IRS rules returned $ XXXX back to my Citibank IRA in 50 days ( less than 60 days required by the law ), while reported the $ XXXX as my income in XXXX tax year. I contacted IRS, they requested the statement from Citi on the return and its dates-attached, and recommended to contact Citibank to correct their iRS reports. I've called Citibank and was told that '' Citibank did everything correct and I am wrong, not Citibank. Then I've contacted the IRS again reported on the conversation : finally the IRS fixed the issue and I am no longer responsible for the Citibank error. Eventually, Citibank had been reprimanded and punished for its wrongdoing and it became the issue that " Citibank affiliate decided to " punish '' me with Macy 's credit card that it manages. If I knew about such Citibank attidude would never shop at Macy 's. But taking into account such an attidude I've decided to complain : there is no other reson to deny : I have credit score 750+, own a house, employed and never was late on any payments for 35 years.

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 2023-01-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
my name is XXXX XXXX this is a complaint for wells fargo i have XXXX checking accts with wells fargo everyday and XXXX  wells fargo sent me letter stating that they will closing both accts on XX/XX/XXXX however to this date XX/XX/XXXX the accts are still open however wells fargo fraud dept has holds on these accts prevent me from access history transaction, on XX/XX/XXXX mt attrny wired transferred XXXX into my wells fargo everyday checking acct and i transferred XXXX to my wels fargo checking acct by XXXX the money was gone according to wells fargo however on my wells fargo prime checking acct statement for XXXX the balance according to the statement was XXXX howeve it was XXXX funds in both accts, wells fargo XXXX XXXX completed a claim for me resulting in XXXX being transfered to between both of these accts meaning if it is not in XXXX it should be in the other, i still have not received my XXXX check for this claim, all of my online bank transfers were transfers from XXXX wells fargo everyday checking to wells fargo prime checking acct, these accts are suppose to be closed meaning i will have XXXX yrs acces to my history transcation on all closed accts that is my right, i dont access because these accts are still open but have a hold on them preventing me from avcessing history transaction proving that wells fargo XXXX my XXXX settelment money in 30 days, and since these accts were never closed i am suppose to be receiving monthly statements i havent got XXXX since XX/XX/XXXX it is XX/XX/XXXX, i had over XXXX pending claims that wells fargo mishandled but i will submit another complaint for that issue, i want access to my accts and the hold remeoved also i had XXXX transfered from my prime checking acct to my everyda checking acct on dates XX/XX/XXXX through XXXX  i never received the money after completeing the transaction, and XXXX transfer from everyday to prime was taking out of my prime acct but never put in my everyday acct, that is why wells fargo do not want me to see history trasnaction through online services they cant alter those transcations

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 2020-10-17
Company: CBC Companies, Inc.
State: IA
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:
33 out of 66 months from XX/XX/XXXX to XX/XX/XXXX have different monthly reporting across XXXX, XXXX, and XXXX. 

I have already filed a dispute though CFPB, I have contacted XXXX probably over 20 times. No one does anything about it. 

QUOTE DIRECTLY FROM XXXX " After reviewing your inquiry, we found no instances of misguidance. We reviewed your loan for payment assistance according to our lending guidelines. We found no inaccurate credit reporting for your loan. '' How is it possible to have 33 out of 66 months different between 3 credit bureaus? How is this accurate reporting? How has XXXX done numerous and numerous investigations and have found that they are reporting accurately when there are 33 differences? How is this possible and how is this legal to continue to lie and say its fair credit reporting? 

What good is this CFPB, If you contact XXXX and they say they report accurately and then you close it? Take 5 minutes and look at reports and it shows 33 differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Recently I change my cell phone carrier and my Cell phone number. I tried four times to submit information my photo ID to the credit card company each time they seem to have a problem getting my information and it has been two weeks of trying unsuccessfully to get my information updated. On every occasion that Ive contacted the credit card company Capital One theyve had an excuse for why the information can not be updated but offered no solution. Capital one is denying me access to my account information via my online service. Im hard of hearing so its extremely difficult for me to try to do things on my regular phone cell service since my XXXX with my hearing. After several requests I opted to go ahead and cancel his credit card because of the nonstop issue an ongoing frustration that Ive had with trying to communicate with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
REVENUE ENTERPRISES for the amount of {$340.00}. I was mentally not capable of making decisions on my own. I'm currently on XXXX for poor mental health. My care giver at the time did not relay the message to me when I had become aware of my surroundings. As far as I know, I never received a bill to be able to dispute. Even if I did get a bill I was not competent to make a decision. I also believe I was covered under some form of insurance through the UNITED STATES PROBATION OFFICE.

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 monetary relief
Consumer complaint received 2020-04-09
Company: AMERICAN EXPRESS COMPANY
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:
I have called American Express seven times explaining that I can't make my monthly payments due to hardships from COVID-19. But I seem I don't have a voice because I can't pay my bill on time. The stress from American Express is so bad I am having panic attacks. Maybe if I drop dead then my problem will go away. Account Ending XXXX Past Due Amount : {$6000.00} and Account Ending XXXX Past Due Amount : {$780.00} on the second account. 

Any help would be nice. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to the XXXX XXXX on XX/XX/2020 via certified postal letter # XXXX. I have attached that letter in which I asked for the following, The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

I was then sent a 50 page account of text and incoming/outgoing phone calls Made on the account. It said the last payment was made on XXXX XXXX. There was no contract between myself and the original creditor Included, no application For the account bearing my signature Included, no copy of the agreement between the original creditor authorizing convergent outsourcing to collect on XXXX behalf Included. The form they sent with their License to collect in states did not have Florida listed. I live in Florida. No proof that the statue of limitations to collect had not expired in my state. After contacting XXXX  the account was deleted from my credit report but is still active on Experian and XXXX. How can the debt be validated without this information? This violates my rights under the fair credit reporting 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 2023-04-03
Company: Convergent Resources, 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:
I was notified that there was a collection on my credit report from XXXX XXXX. The collection company is Convergent Outsourcing in XXXX XXXX. I have never used XXXX XXXX. The collection company gave me the account number, the address and email that was used. All of those were not mine. They did use my old phone number and somehow had my last 4 digits of my social security. I do not know how they got those but I did get a new phone and phone number around the same time back in XXXX. The collections lady said maybe they got my old phone number and were able to obtain the info. I only know that it was not me. I never lived at the address given. I never had an XXXX account. I did not have the other phone number used to set up the account. The address given was XXXX XXXX XXXX XXXX IL XXXX. The XXXX account used was XXXX. The email they used is XXXX. The other number attached to the account was XXXX. I have lost a loan because of this issue and can not get this removed from my account without an FTC claim. This charge is NOT mine. I pay my debts. I never opened this 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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide. Based on their lack of response in the time frame allotted and lack of investigation results they have not abide by the laws.

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 2018-08-28
Company: National Credit Adjusters, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls multiple times a day, never leaves a message, never names who they are looking for or what the debt is. Refuses to mail me proof a debt is owed, ( I have nothing in collections. ) Really just needs to stop. If something is in collections is owed, report it, and mail proof, not call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies 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 explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$110.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$4400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-14
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:
This is my other 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 items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2020-07-10
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I'm applying for an apartment and a report came back that i have an eviction on my record. I have lived in the same complex for 2 years and have not been evicted.

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 2023-06-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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