BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: CITIBANK, N.A.
State: CA
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:
Regarding Citibank XXXX XXXX card ending XXXX XXXX I received a text message from Citi Fraud department regarding a charge for {$690.00} at XXXX XXXX. They asked me did I attempt that charge, I responded - No - I did not. 

XX/XX/XXXX - On my statement that there was XXXX unknown charges XX/XX/XXXX - there was XXXX charges to my account XXXX and XXXX XX/XX/XXXX - there was XXXX credits XXXX and XXXX XX/XX/XXXX - XXXX charge finally went through but I did not make this charge. I have repeatedly disputed this charge. The bank keep on putting the charge back on my account. 

On XX/XX/XXXX, I spoke to a supervisior at Citibank and he reopened the dispute for me. 

XX/XX/XXXX - I received a letter from Citibank stating that I will be charged for XXXX and provided me with the merchant phone number. 

XX/XX/XXXX - I called the merchant XXXX XXXX and spoke with supervisor XXXX, he was extremely cooperative. He stayed on hold while I contacted Citibank for my credit card information. I did not have that on me. I borrowed someone else 's cellphone to call citibank and got XXXX from the fraud department so I managed a XXXX way call on a recorded line. With my permission XXXX provided the XXXX digit account number of my credit card ending in XXXX. With that information XXXX was able to look up information for me. He clarified that a person by the name of XXXX used my credit card to charge for a service to XXXX something on the internet. I indicated that I never gave out my credit card information to anyone and I do not know XXXX. XXXX did not provide me with personal information of XXXX. XXXX told XXXX of Citibank that the money XXXX was already charged back. He also provided the order number for XXXX at Citibank. Before the call ended, the agent from Citibank told me I should be getting a refund or credit on my account. 

XX/XX/XXXX - after my phone call with Citibank on XXXX, I received an email stating that they will investigate my situation. 

XX/XX/XXXX I received a noticed from Citibank that they will still charge me for XXXX. I do not believe they did a thorough investigation. XXXX- the merchant with the retailer is proof that I did not make that charge. 

I am ready for legal action.

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 2022-08-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX ( 2 hours ago ) to me, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX Hello Customer We notice unauthorized transaction from your XXXX account, If This Transaction Is Not Made by You Then Kindly Call Us for Cancellation of this Order Otherwise, your {$630.00} will be charge today Youre Order Information Description Quantity Unit Price Total Price XXXX XXXX ( XXXX XXXX {$630.00} {$630.00} Total Amount will be charge : {$630.00} Items Ordered : 1 youre Billing Information Your order number : - ( XXXX ) Transaction Id : - ( XXXX ) Thank you for your recent order with us. If you have any questions or want a refund for this order, please call our If you want to cancel this order, give us the Thank You XXXX XXXX XXXX XXXX 

Helpline Number : XXXX ( XXXX ) XXXX ( DO NOT COPY THE NUMBER I do not have an " unauthorized transaction. '' I have not placed an order. This email is similar to others I have been receiving for weeks seeking to fleece someone based on a transaction that does not exist, that the sender has divined. Notice that no company name appears.

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 2022-09-30
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In accordance with the fair credit Report act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX Balance : {$660.00} ; 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 XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX If XXXX credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Reporting of inadequate loan XXXX which occurred interest and lowered XXXX XXXX XXXX XXXX prior from XXXX to XXXX noted Observing XXXX XXXX credit score everyday XXXX XXXX does not own Student Loans XXXX which appears on his Transunion Credit Account XXXX XXXX does not own student loan XXXXPlease provide the contract and signed documents also the closed loan. 

XXXX XXXX only has 2 student loans which both have been paid off for. 
XXXX XXXX 's current credit report is XXXX XXXX points has been subtracted unfairly off of XXXX XXXX credit score. 

Please update XXXX XXXX credit report and score fairly. 

Please stop adding past accounts as new Transunion when XXXX XXXX credit score increases ... and please update XXXX XXXX XXXX score in a timely manner as it is being built and reported. 

XXXX XXXX credit Builder accounts are not being reported fairly and timely as they are being paid off every month to his credit score. 

XXXX XXXX credit report is being stifled by Transuninon with improper Grade. 
from A to B of Credit age when his oldest account is XXXX XXXX XXXX and should be 6 years to XXXX XXXX XXXX Transunion left Inquiries on XXXX XXXX account which is now Grade B. 

XXXX XXXX credit mix moved from A to B now C to impact his credit Score please fix XXXX XXXX credit mix Transunion. 

Transunion Left Delinquency on XXXX XXXX credit statement which is detriment to XXXX XXXX good standing All of XXXX XXXX student Loans have been paid off in full and loans closed or being paid for. 

Transunion has nothing on Credit Usage when I have credit builder loans and credit builder accounts please fix this the correct way Transunion is retaliating against XXXX XXXX credit score because XXXX XXXX is reporting inconsistency of Transunion credit reporting and bad credit understanding of what Transunion is doing as credit reporting. 

Transunion keeps blaming its computer Algorithm and refuses to take responsibility and credit report fairly.

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 2021-10-02
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: Was not notified of investigation status or results

Complaint:
There are fraudulent inquiries harming my credit report and my life. I have called several times to dispute this information and Transunion has continued to errantly inform me to file an FTC report ; however, the FTC does not allow reports to be filed for credit inquiries not linked to a fraudulent account! 

The fraudulent inquiries on my report are as follows : XXXX XXXX from XX/XX/2021 XXXX XXXXl from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX  XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX  from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 Members XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXX from XX/XX/2021 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 2022-10-24
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a bank account online with my name, address and used my social security number. I am unaware of how they were able to access my information. The bank called me to ask if I need help with my new account that was created on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, XXXX XXXX sold it's XXXX Card credit card relationship to Marcus ( Goldman Sachs ) in early XXXX. While the transition commenced after closing in XX/XX/XXXX, I did not actually receive my new credit card until XX/XX/XXXX. During this timeframe, valid charges and payments were made using my old XXXX  XXXX card and ACH payments through our bank ( XXXX XXXX  ) were sent to XXXX  XXXX, which forwarded the payments to Marcus. 

A balance of {$3300.00} for two valid transactions was due in XX/XX/XXXX. This balance was subsequently paid three times ( {$3300.00} on XXXX, {$4000.00} on XXXX and {$3300.00} through two ACH transactions and one EFT directly from XXXX XXXX  ). These payments were made through multiple means to ensure receipt by Marcus as their po box on our XXXX ACH payment through XXXX XXXX  was inaccurate. 

Marcus then returned {$7000.00} on XX/XX/XXXX via check and reversed the third payment in the amount of {$3300.00} resulting in a payment due of {$3300.00}. Marcus then levied a {$48.00} interest fee and {$29.00} late payment fee on our account, despite being paid three times the amount due. 

Upon receiving our XXXX statement, I noticed additional fees for the amount due and that the payments were never accepted. I immediately contacted Marcus to inquire about why they returned our payments and then charged us fees and interest. I also sent a personal check in the amount of {$3300.00} to cover the outstanding valid balance which posted on XX/XX/XXXX. I have filed two complaints requesting reimbursement of the fees ( {$77.00} ), but they have been rejected for no apparent reason. 
This behavior is clearly inconsistent with Goldman Sachs values and a means of generating fees and interest. Transition errors, delays and inability to deliver statements should not be used as a basis for charging fees and interest on customers with clean payment histories. I recommend that the CFPB take immediate action to investigate this matter and any other similar situations for XXXX Card customers that have experienced similar irregularities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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:
This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below is the account from my credit report : No Category XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to Resurgent. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : - XXXX XXXX  ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance {$810.00} XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance : {$29.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00}.

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 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-25
Company: Direct Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The following account is listed on my credit report and is being reported in violation of 15 U.S. code 1681, 1692 and 623 ( A ) ( 1 ) ( B ). XXXX XXXX XXXX XXXX This account was disputed directly with the creditor under 15 U.S. Code 1692 : 809 ( b ). Not only did the creditor ( collector ) Direct Recovery Services fail to comply, Also the required notice of dispute was not within 30 days of my dispute. section 623 ( a ) ( 1 ) ( B ) states that if a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing the notice of dispute. Accordingly, any reporting of this debt is a violation of 15 U.S. Code 1692 : 807 ( 8 ). 15 U.S. Code 1692 : 809 ( b ) requires a debt collector to provide written validation of the debt upon request by the consumer. During this time the agency must also " cease collection of the debt ''. if they do not comply within the time frame, any reporting of the debt thereafter is a violation of the law. Direct Recovery Services fail to comply with the law by not validating this alleged debt and they're still reporting it. Neither are they following the rules that were put in place to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX 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 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 antedate 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 2022-08-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XX/XX/XXXX ( XXXX $ ) XXXX ( XXXX $ ) In the matter of 2 weeks they hit me with all these fees no one can tell me why bank of the west hung up on me. It doesnt matter if theres money in the account or not every day I wake up and some type of new fee there. Id like a criminal investigation done

Company response to consumer: Closed with monetary relief