BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone call Citibank to get a new card in my name that went to another address my phone number was also changed Debitcard was send to a new address and a new phone number XXXX XXXX XXXX. 
On XX/XX/XXXX someone took money at XXXX XXXX XXXX, XXXX XXXX NY XXXX, XXXX  XXXX, XXXX, XXXX. 
On XX/XX/XXXX XXXX from my saving from Branch XXXX XXXX XXXX XXXX XXXX my XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX at the same place XX/XX/XXXX XXXX  at the same place XX/XX/XXXX XXXX  at the same place A card was issue on XX/XX/XXXX delivered on XX/XX/XXXX my Phone, email address and home address via phone to customer service and I was charged a XXXX fee for them to send out my card to that address the bank never notified me until my money was gone the bank never alert me about the problem and another XXXX was taking from my savings due to Citibank negligence a lot over 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 2019-07-05
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 paid

Complaint:
The debt has not been paid however, the debt is not owed. I broke my lease with XXXX XXXX XXXX due to being stalked/harassed. I communicated this to the property management and they informed me the only way to be relieved of owing the remaining rent and/or 2 months lease break fee I would have to supply them with a police report. The police report was provided to their corporate office. Despite me providing the police report the account was transferred to National Credit Systems , Inc. My wife and I have been attempting to work with XXXX XXXX on this matter to get it resolved but we aren't getting anywhere. I have/will enclose the documents to show that this debt should been removed from my XXXX report as well closed and not sold to any other creditors or debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the Experian and the XXXX  reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both Experian and XXXX  still shows it. XXXX did remove it. Even though XXXX of XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREPORTED AS CHARGE OFF UNPAID. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-07-10
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I disputed with the CFPB the XXXX XXXX XXXX account that was reflected on my credit report. XXXX XXXX XXXX at that time responded by informing me that they had instructed the credit reporting agency to delete the account. To date, Transunion has not not deleted this entry. This was over 15 months ago. See attached credit report that reflects this account that should not be listed on my credit report. Transunion must DELETE this entry immediately and provide me a copy of an updated credit report that reflects such deletion. 

Further, in XXXX XXXX XXXX response on XXXX, they stated ( see  attached ) that I would not hear nothing further from them in regard to this matter. See attached letter they sent me dated XX/XX/XXXX. I am considering this harassment and they owe me remuneration for violating my rights as well as explicitly stating they would not contact me again but yet they did. Both Transunion and XXXX XXXX XXXX are blatantly violating my consumer rights and should be held accountable. This erroneous, inaccurate entry that is still reflecting on my credit report has intentionally affected and impacted my credit worthiness and both companies need to pay.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: IN
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 letters asking for verification and proof of verification. They keep sending me stall letters. My reports havent changed in the last 2 years. 

If after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on results of the investigation They have wrong dates for last updated, inaccurate dates for payment history, dates of derogatory events, inaccurate close dates, inaccurate dates of last activity

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 2020-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I am still trying to resolve fraud from XX/XX/XXXX. I have no on line access due to a XXXX  XXXX. Phone reps refuse to speak with me on fraud so old. See attatched. ( Just Learned ) XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX. A year 1/2 Later I am told ** Adjustment Purchases Temporary Credits MUST BE ( MADE PERMANET ) to apply. See attatched Adjustment Purchases XX/XX/XXXX Temporary Credits NOT MADE PERMANET YET. USAA uses every Adjustment Purchase Temporary Credit NOT MADE PERMANET yet to ** Create CREDIT REVERSALS.If USAA credit not given how can they use that as a 2nd credit to CREATE CREDIT REVERSALS and an additional new purchase charge? XX/XX/XXXX Statements Lists {$2.00}, XXXX CREDITS NEVER APPLIED they are all credit reversals. Total credits XX/XX/XXXX were {$910.00} and SOMEHOW THEY TURN INTO CREDIT REVERSALS AS WELL when merchants just paid. I have fought this for over 2 years now. I do Not believe this is ERROR. I believe it is done to AVOID PAYING FOR FRAUD and MAKING DOUBLE PROFITS charging 2Xs. It has gone on too long to be a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I requested that IC system validate an debt, after viewing my XXXX  and XXXX  credit report, that responded on XX/XX/XXXX stating the debt was unverifiable, how is this company allowed to report debts to Credit Reporting agencies before being verified? Thats a clear violation according to the FCRA. How did XXXX  and XXXX  Credit Reporting agencies verify the IC System accounts, when IC System stated that they could not.

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 2019-07-05
Company: EQUIFAX, INC.
State: IN
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:
XX/XX/2018 I closed my account with XXXX XXXX, the continued to bill my credit card for them regardless of the closed account. 
Received a bill on XX/XX/18 to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX showing amount due of {$170.00} ( who is XXXX XXXX XXXX. 
XX/XX/2018 they turned me into a collection agency for XXXX XXXX for {$170.00} would not give any statements unless I paid {$5.00} each. 
On XX/XX/2018 received an email bill from XXXX XXXX showing a credit on my account on $ XXXX no credit issued. 
XX/XX/2018 received from USPS an actual bill showing a credit amount of XXXX. 
XX/XX/2018 I received an email from XXXX showing my balance as -XXXX-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: MA
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:
Dear XXXX and Equifax ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a XXXX credit account in " terminated account status '', which I've called both Equifax and other credit reporting agencies along with XXXX that I have no knowledge of this old XXXX account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the Equifax report. However, i spoke with XXXX  and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done! 

I do have an active account with XXXX right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, 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 never had a relationship with XXXX XXXX XXXX original creditor ). XXXX XXXX XXXX is reporting a collection account of {$1200.00}. I have contacted XXXX XXXX to inform them of a fraudulent account and was informed there is nothing they can do given that XXXX XXXX XXXX is collecting on this delinquent debt. I contacted XXXX XXXX XXXX  immediately following my call to XXXX XXXX. I was transferred to a voice mail and my call never returned after leaving detailed information. Equifax and XXXX  refuse to remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX submitted my XXXX form payment history was partially updated. A form was mislabeled as duplicate. I called in the beginning at XXXX and was told it would be resubmitted. We are in XXXX and my payment account has still not been updated. 

I also want to remove past in school deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc #  XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because : 1. STATUS OF LIMITATION OF THE ACCOUNT # XXXX. Disclose copy of Notice Default letter dated XX/XX/2007. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: OH
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:
A company called XXXX XXXX performed a hard inquiry on my Equifax credit profile on XX/XX/XXXX. I do n't know who this company is or how they have my information if they even have my information. I emailed at XXXX them on XX/XX/XXXX upon realizing they had pulled my credit report and told them to please contact Equifax to have the inquiry removed. They have not contacted Equifax and have not responded to my email. 

Based on the inquiry, the creditor contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CITIBANK, N.A.
State: CO
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:
In XX/XX/2020, I open a dispute ( XXXX ) regarding a purchase which I was overcharged due to insurance being added to my rental without my authorization. The citi FAILED to do a investigation within the fair credit and billing act. They automatically closed my dispute without a proper investigation and sided with the merchant.

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 2020-07-18
Company: EQUIFAX, INC.
State: MA
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:
All three credit reporting bureaus, Equifax, XXXX, and XXXX, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: ME
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of XXXX. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX XXXX XXXX account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct 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