BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a deposit with XXXX XXXX XXXX using my Citi XXXX XXXX card ending in XXXX for {$200.00}, with monthly payments of {$35.00}, up until full payment and to now I have paid {$300.00}. I read the Legal Cruise Contract for XXXX XXXX before booking ( my booking # XXXX ) and it stated full refund up 61-days prior to sailing for 2, 4, 5, etc. day cruises. At that time I searched for Cruises to XXXX, there were no cruises available on my specific dates. I later found the same cruise ( booking # :XXXX ) for a longer duration and paid the {$150.00} deposit. I tried to cancel the first booking and so after I paid, THERE IT IS, if you want to cancel, you will have to pay {$49.00} per person totaling {$100.00}, however when you are booking the cruise nowhere can you find this information a total entrapment. When you call the agents, they tell you its on the website, but for the consumer it is very hard to see how much you will be charged. I looked and looked until I found a cruise contract. I am booked for two cruises in the same year XX/XX/XXXX to XXXX and XXXX is refusing to assist me with moving the {$300.00} over to ( booking # :XXXX ) so I called Citi to assist with a dispute and Citi has really made it worse. Yesterday I was on the phone several times trying to get assistance in opening a dispute, however Citi gives me a {$35.00} credit for one payment to XXXX and opens a dispute for the wrong cruise even though I made it clear to the customer service agent I was speaking to. I called again this morning the customer service agent gave me a credit for {$1.00}. I opened a dispute that Citi doesn't understand why. XXXX XXXX needs to stop the misleading advertisements. I have cruised several times and this was the first time I have seen misleading advertisement about canceling. It's just not clear and Citi made it worse.

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 2017-08-13
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was issued this loan in 2007 the initial release of funds to the school was just over 9000 dollars now the balance has ballooned to almost 25000 dollars. I dont see how its fair to have to pay back that much money for credits that i can not transfer to a decent school. I have just recently been dicharged in bankruptcy and am still struggeling to get back on my feet financially. I am a single parent of XXXX children, a XXXX united states veteran and can barely afford to feed my self after i pay my immediate bills. I have dealt with Navient/ XXXX XXXX in the past and they are the worst company and worst customer service you can deal with. This is the first notification that I have actually received since before i filed my bankruptcy and it tells me i am in default and my full balance is immediately due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 submitted disputes to Transunion in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not know I owed these amounts until they hit my credit report. I called the company and paid them all in full so all the balances are XXXX. I have asked the company to remove them from my credit report as opposed to paid derogatory and they have not. When I called again to ask, they told me they could only mail receipts showing paid. When the representative read my address to me, it was not correct. They were still continuing to use an old address. I never received notice from them. Some of the amounts were as little as {$2.00}. I need these removed from my credit report. 
credit coll/usa. XX/XX/XXXXacct : XXXX. This was paid. Has not been deleted credit coll/usaXX/XX/XXXX acct : XXXX. This was paid. Has not been deleted credit coll/usa XX/XX/XXXX acct : XXXX. This was paid. Has not been deleted. 
credit coll/usa XXXX acct : XXXX. This was paid. Has not been deleted. 
cred coll/usa XXXX acct : XXXX. This was paid. Has not been deleted.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: OR
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX XXXXACCT # XXXX XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME THANK YOU.

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 2017-08-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX keeps calling me even after I have asked them to stop on a recorded line. Furthermore, they will not give me access to my online account so that I may pay my bill. The access issue, as I 'm a  XXXX citizen has caused my account to go past due. Due to the late mark, I am now unable to finance my medical needs. I am requesting that XXXX removes the negative mark and accept payment for the account, but to please give me online access so that I may make the payment. XXXX XXXX 's offshore agents have been less than helpful and seem to have limited access to any helpful information and are hard to understand. Please communicate by mail only. RE : Account ending in 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 2018-11-30
Company: BARCLAYS BANK DELAWARE
State: MI
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 has been non-compliant with removing the unverified account BARCLAYS BANK DELAWA Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK DELAWA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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/XXXX I placed an order of several white dresses for my XXXX birthday white out party and paid a {$10.00} 2 day delivery fee. I did not receive the dresses till Sunday XX/XX/XXXX and requested a refund for my {$10.00} and Macy 's declined to provide me a refund. 
Additionally, a dress for {$39.00} was never received. I returned all the dresses that were ordered since I bought a new one on Saturday from another store. After returning the dresses and waiting for the XXXX statement, I was able to reconcile the purchases/returns. I called today XXXX and Macys customer service will not return my {$10.00} shipping fee or the {$39.00} dress that I never received. She stated that I have 30 days to file a complaint. In accordance with XXXX XXXX dispute time frames I have 60 days to file a dispute with my credit card company.

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 monetary relief
Consumer complaint received 2022-08-03
Company: LEXISNEXIS
State: FL
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 received letter in mail from Lexis Nexis with a case number and consumer number. The report said they were going to report me to the FBI in Washington DC I was very concerned and called them It took me 35 minutes on hold with them while they transferred me to 3 different people. Then they disconnected me Then I called again and held on for 15 minutes..Then then told me there systems were updating and could not tell me. They told me to call them later in the day they would not call me..This is a threat against me and caused me stress and concern and I cant get any answers.. 
This should be a crime ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: AZ
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:
On or around XX/XX/18 my identity was stolen and the criminal was using my name and information to try an open accounts online. While trying to open these accounts multiple hard inquiries were placed on my credit score with multiple credit reporting agencies. Of the three reporting agencies, Equifax, has been the only agency which refuses to remove the fraudulent hard inquiries. I have had to file a previous complaint with the cfpb regarding Equifax not removing a fraudulent hard inquires after multiple attempts contacting them. Equifax, in that case, and in this case, refuse to acknowledge they have received appropriate documentation from the company which requested the inquiry, even though the company had sent multiple requests Equifax to remove the inquiries. My previous complaint ref # XXXX-XXXX. 

I am having the same issue with getting Equifax to remove the fraudulent inquiry that was placed on XX/XX/18 by XXXX. XXXX has sent multiple requests to Equifax to have this inquiry removed, Equifax claims they have not received any documentation. After multiple phone calls back and forth between Equifax, who claims they didn't receive anything, and XXXX, who claims they have sent documentation 3 times, I called Equifax to voice my concern, the representative requested that I send a fax into Equifax with my police report and a letter indicating the situation, the fax was sent on XX/XX/2018. 

It has been over 90 days and I still have no resolution. I personal feel Equifax is the company dropping the ball, as they were the reason for previous inquiries not being reomved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: First Data Corporation
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
First Data ( FDR ) Potential Fraud Our Company XXXX, ran a Company Visa Card from our customer XXXX XXXX for training and consulting services which have already began. The XXXX XXXX Visa Card was run on XXXX XXXX XXXX XXXX at XXXX, and was successfully batched for {$9900.00} and sent the Credit Card Processor First Data- ( FDR ) the proper information to fund the XXXX XXXX Account XXXX 
I have been in contact with XXXX since I need the funds to make pay roll. 
I have called FDR Risk Management over 15 times and sent emails with the information they required. I have only received 1 call back after I tried to contact the First Data CEO ( XXXX XXXX ) from an XXXX in Risk Management ( XXXX ) and she wanted me to send numerous documents and even XXXX Bank Statements. I complied with her request have left 5 messages and still have no response and no resolution. 

XXXX said the First Data " holds funds '' in case there maybe a charge back from the customer. I said you hit my customers Visa Card on XX/XX/XXXX so where are the funds? I asked her how many others are they " holding '' processed funds, I said it could be millions of dollars and she did not respond. 
The XXXX Merchant Account is 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 2019-02-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls are way too frequent and collector refused to hang up when asked not record and didnt hang up after cease and desist demands. They called another number of mine without my permission. I called before and basically was accused of faudeltly obtaining the account I wanted to pay with. Very demanding tones and refusing to listen to my situation. Why call and say we can work something out if they demand money first and then they will listen. It feels like harassment.

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 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX XXXX XXXX XXXX This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX XXXX XXXX. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.

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 2017-08-13
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report from the reporting agencies, I found an account from Pro Com with the original creditor being XXXX 's. I 've never purchased anything from XXXX 's. This account is negatively affecting my credit, and it 's an account that is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My father has a Capitol One account where he is the primary and I'm an authorized user on the account with my own card. I could not get into the Capitol One app, so I called the number on the back of my card to check the balance and find out when a payment was due. Majority of the time, it would tell me that there was not a due payment. Because of the high credit limit ( {$3000.00} ), I made payments 2x a month ranging from $ XXXX {$350.00}. 

Two weeks ago, I was finally able to get into the Capitol One application and it said that our account was restricted. I contacted Capitol One customer service XX/XX/XXXX and the rep would not provide an exact reason why, stating that it was in a letter my father should have received. My father had just moved from XXXX XXXX XXXX and believed that was the reason. She did not confirm or deny, but stated that to resolve the accounts, we needed to fax personal security documents such as birth certificates and social security numbers to a fax number she provided. I looked today and saw the accounts are still restricted, so I contacted Capitol One customer service again. 

However, this customer service rep says that they CAN NOT fix the accounts and there's no way to reinstate them because there were possibly delinquent payments. Prior to the call, I called to check the balance and it said a payment was not due until the XXXX of XXXX. I asked her why the other representative needed those documents as though that would fix it and she did not explain. Worse than that, there is no documentation of the conversation we had on the XXXX with the rep, my father and I and the whereabouts of where he faxed his personal information to is unknown. The representative stated that she would make a report about it but at this point, I don't know if I can trust that as it's become very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
I've tried to review my credit report with all three credit bureaus and the only one I'm having success with is XXXX. XXXX and Equifax will not allow me to review my credit report or file online. I provided correct information when verifying who I am and its still not working, I have sent identification, ssn information, utility bill to XXXX and Equifax. These two companies are not following the rules. Also, I requested in writing to have ALL the fraud alerts removed from my credit file immediately and it has not happened. I would like for this to happen immediately. Please and thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22 I visited the Nordstrom rack in XXXX Colorado. I had a larger purchase and they asked if I wanted to apply for a credit card to save {$40.00} stupidly I agreed I started entering information and the sales clerk said oh our machine is down youre going to have to do this over the phone so she makes a phone call and puts me on the phone with someone who starts asking all sorts of personal information income, Social Security number and date of birth, etc., I started getting very very uncomfortable and told the lady on the phone I was getting very uncomfortable with this conversation and I put the sales clerk back on the phone and the person on the phone told the sales clerk she is not approved for a credit card I said thats fine. I dont want one. Now a few weeks later I get a credit card in the mail from Nordstrom, so they tell me that Im not approved for a credit card and I say I dont want one and then they force one on me anyway, this is extremely concerning

Company response to consumer: Closed with non-monetary relief