BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit report there is a line item under the section titled " Hard Inquiries '' from a Company called XXXX, dated XX/XX/XXXX ( to be removed by XX/XX/XXXX ). I had to look them up because they were the only hard inquiry on my report that I did not recognize. They turned out to be XXXX. I do not have any XXXX credit cards nor have I ever applied for any XXXX payment arrangements. I sent a letter to Equifax because my credit score is fairly low and any help that I can get will benefit me, but I have not heard back from them yet. Pease provide me with some assistance with this issue? Again, any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XX/XX/XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be awarded XXXX XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. XX/XX/XXXX, my husband called Citi to inquire about the status of XXXX points and was informed that we had met all the requirements and the claim had been setup while the process would take up to three months to complete. XX/XX/XXXX is the date we should call back for the final result. 
On XX/XX/XXXX, my husband called to follow up. After spending more than half an hour waiting and explaining, he ended up with a lady who said she needed to confirm some information with someone and would call him back in one hour. We waited and waited and waited ... 
After more than two hundred and forty hours of waiting, we knew nobody would call us back and realized it was a scam from first place. On XX/XX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XX/XX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. If that is true, why did citi post an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} AA points or refund me {$90.00} and apologize for wasting my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: HOVG, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this  service. 
2. What services I am being charged for.

3. What the cost of each service I am being charged for.

Furthermore, I did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this  violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Remitly, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a transfer with Remitly and within 40 min I canceled the transaction. This happened Sunday XXXX the XXXX and now they are telling me that it will take 10 business days to get a refund from them. I spoke to my personal bank ( XXXX XXXX ) and they are telling me that once the funds are refunded they immediately deposit it into my account. So, XXXX not my banking institution that is holding my funds. Is Remitly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have made several attempt s to get AFNI to verif y this debt through  XXXX . They continue to send me a copy of a final bill from  XXXX  disregarding any of the other information I requested per my right to get validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
There is information on my TransUnion and XXXX credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.

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 2016-05-24
Company: Trident Asset Management, L.L.C.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been continuously disputing an account with Trident asset management and XXXX credit bureau. Both parties have failed to provide proof of debt other than replying with my name and address which is obtainable via the public. Tridents set management have not replied to two letters I sent them which violates the law. Both the collection agency " trident asset management '' and XXXX credit bureau has caused me XXXX with the back and forth about this account that they have failed to prove is mines for the past 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-15
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigations results

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 2022-08-27
Company: Experian Information Solutions 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:
There is information on my XXXX and Experian credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.

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 2022-08-27
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had phone services with XXXX XXXX for about ten years and decided to switch providers in XX/XX/2022 to XXXX XXXX paid off the remaining balance on XXXX of my devices. i am now getting collections letter from XXXX stating that i owe them {$1100.00} for nonpayment when they agreed to port all my lines over from XXXX to XXXX. I kept the same numbers as i had with XXXX. the only way they would allow me to do that was to pay off my last bill, which i did, and were able to keep my phones and numbers. Now they are trying to charge something that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Citibank , N.A . services my Best Buy credit card ending in XXXX. I noticed a fee titled " XXXX XXXX '' in the amount of {$23.00}. I used the instant message with Citibank to see what this was. I ended up calling the number provided. This is a credit card add on debt protection program apparently. The program pays your minimum payment for 3 months if you lose your job, move, divorce, etc. I asked how much I had inadvertently paid to this ridiculous program. I was advised since 2011 I have paid {$530.00}. I have no recollection of signing up for this program. Furthermore, the fee does not appear on the online portal. You have to physically open up your statement to see this fee. This is totally unacceptable. I want all that money back and applied to my card. I 'm now facing promotional deferred interest that is about to be applied to my card. This {$530.00} would cover that. Plus, who knows how much money I 've paid in additional interest. Citibank just got fined by the CFPB for this issue and was supposed to reach out to me to reimburse me. I 'm having to go through the CFPB to have them reimburse me which seems like a violation of the consent order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26
Company: SYNCHRONY FINANCIAL
State: MA
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:
On XX/XX/2020, I noticed a fraudulent pending charge on my PayPal Mastercard administered by Synchrony Bank for {$63.00} from XXXX XXXX XXXX. 

The card number must have been stolen since I still have the physical card. I closed the account and demanded that the charge be removed since it was fraudulent. 

Later on XX/XX/2020, the charge from XXXX XXXX XXXX was broken into two ( 2 ) transactions, one for {$19.00} and the other for {$43.00}. 

I notified Synchrony Bank that both charges were fraudulent and demanded that both be removed. 

Synchrony Bank refused to remove the {$43.00} but did remove the {$19.00} charge only after I harangued customer service. He told me he could only remove up to {$25.00} and that it would take 60 ( sixty days ) to do an investigation. 

Synchrony Bank is in violation of the Fair Credit Billing Act. Both charges should be removed immediately and no interest charged. 

I sent Synchrony Bank a letter demanding this and they have refused. 

Kindly see attached letter.

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 2022-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CITIBANK, N.A.
State: SD
Product: Credit card
Issue: Rewards

Complaint:
I contacted Citibank through their Customer Service line for credit cards @ XXXX on XXXX XXXX, XXXX in order to resolve a long term issue : I have a Dividend Rewards Credit Card offering 1 % cash back on purchases. I requested to redeem multiple checks for dividend dollars earned. XXXX of these checks have never arrived, XXXX dating from XXXX of XXXX. I received an e-mail stating " We 've placed a stop payment on your refund check We sent you a refund check for {$360.00} dated XXXX XXXX, XXXX, but our records show that you still have n't cashed it. For your protection, we applied a stop payment to it. '' However I never received this check, nor the other dividend rewards checks that I had requested. I requested new checks multiple times over the past 6 months but have yet to receive them. I have verified and re-verified my address with Citibank and they are able to send me new credit cards as well as mailed offers but I have yet to receive the checks I requested. 

When I contacted Citibank on XXXX XXXX, XXXX the agent stated that they would, instead of sending another round of checks, apply the check amounts towards my credit card balance. I agreed and they stated it would show up on my next statement. I contacted them again today XXXX/XXXX/XXXX. They stated that they could not apply that amount to the balance and that they could only send a check. I asked to speak with a supervisor. They stated there was no supervisor available, to wait 3 days. I asked to file a complaint or to have a number for the executive office. They stated they could not provide a number, that anything else I required would have to go through a supervisor who was not available. I spoke with employee ID NUMBER XXXX. 

Since I am unable to receive the rewards entitled to me by the credit card agreement for my dividend rewards card my only other recourse, besides legal action is to submit this complaint, in the hopes that my issue may be resolved in a timely manner. It has been 8 months since the original check amount above was issued but never received and over a month since requesting the check again as well as the other checks I am entitled to. The amounts have been deducted from my dividend rewards without redemption.

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 2022-08-27
Company: Experian Information Solutions Inc.
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:
This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights under 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. 

Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # 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 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have not received a Capital One Bank Menards Big Card credit card. I have been waiting for 30 days to receive a replacement card with a new account number, but I havent received any replacement card as of yet. There is currently {$3200.00} in fraudulent charges/transactions listed on my Menards Big Card credit card. All of the charges are fraudulent and not my charges or transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
XXXX is reporting fraudulent information on my credit file. XXXX  is reporting bank accounts from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. All of these accounts are not mine and some have a negative balance. XXXX  is also reporting names that I have never gone by and associating me with different last names of other people that have similar birthdays as mines. XXXX  is also reporting addresses that I never lived at. I believe XXXX has compromise my credit file with anothers persons that have similar information as mine. Ive made several dispute with them however they continue to keep the fraudulent accounts on my XXXX  file.

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