BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 non-monetary relief
Consumer complaint received 2016-08-19
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX, my husband and I lost our backpack with both our wallets with State Driver Licenses while on a trip with a group of people when it was accidentally left somewhere during a walk, which was near XXXX XXXX CA. In XX/XX/XXXX we learned for the first time of a fraudulent debt collection on our XXXX and XXXX credit reports from XXXX Creditors on behalf of XXXX XXXX, which appears to be an apartment complex but we have no knowledge of this business or ever resided there. It appeared from the credit report that this collection was initiated sometime in XXXX but we were never aware of it until XXXX XXXX and never received any letters or calls from anyone about the fraudulent debt. Fidelity Creditors says they have a signed lease with copies of our IDs, which appears to have unmet terms by someone who fraudulently used our driver license identifications with XXXX XXXX and fraudulently signed a lease with them, which is not notarized and is not ours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am placing this issue in the Consumer Protection Agency as my previous XXXX call to Macy 's Finance on this as the person handling the call was disinterested. I was given no reference #. The CSR heard " divorce '' and demonstrated no patience from then on. 

I ask : Why should one divorced spouse 's late charge card payment damage the other spouse 's credit? 
In XXXX XXXX, my former spouse, years after divorce, made a late payment ( 30 days past due ) on her Macy 's card ( XXXX ) an oversight on her part ). I had no idea my name was still associated with the account. Macy 's placed this late payment on my credit report, even though I do not receive, pay or have access to my divorced spouse 's bills. How could I possibly know enough to be responsible for this payment? My name was to be removed from this account as part of the divorce. 
Even further, though I have excellent credit and on-time payment history, including for any number of charge cards, I was turned down for my own Macy 's card based on this one item. For decades, Macy 's has been my favorite store. Why turn away good customers? On principle, though reluctantly I avoid shopping at my long-term favorite store. 
I ask Macy 's to consider how unfair and harsh it is to ding a person 's credit report when he is divorced, has no access to the bill in question, and was told his name was being removed from this charge card years before this charge occurred. 
I ask Macy 's to : a ) Remove my divorced spouse 's XXXX XXXX late payment from my credit report b ) Confirm my name is no longer associated with the Macy 's account ( as I had originally requested. 
I greatly appreciate Macy 's consideration of this issue and my request.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXXXXXX ] Account INQUIRY  DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. INQUIRY ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2016-08-30
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On or around XX/XX/XXXX, I found out after our account was negative {$5000.00} that my daughter was a victim of a scam / fraud. She was offered what she thought was a job by a friend of hers she trusted, and who claimed to also have this job promoting a clothing company in XXXX IL using social media. She was to post about the clothing line / products via XXXX - " XXXX '', which she did. She received payment totaling around {$8400.00}, deposited into our custodial account in which both our names were listed. The individual she was dealing with called to inform her she had to pay a XXXX % " marketing fee '' on her income. After several very persistent texts, he had her withdraw and wire the {$2000.00} " fee '' to him. He said to tell anyone who might question this she was sending money for funeral expenses. Then he told her to avoid XXXX XXXX charges on future income, he could withdraw the funds from her account directly. Obviously this was a scam on a kid who was trusting and naive, who saw a 'get rich quick ' opportunity, and trusted this " friend '' who lured her into this mess. The friend turned out to be a stranger who forged a XXXX account, and my daughter never knew it until afterwards. Our account had transactions from XXXX & ATM withdrawals in XXXX, we live in XXXX XXXX, MO. She never gave permission for XXXX transactions or ATM withdrawals, she thought that she 'd only be paying once she received future paychecks. The charges were as follows : XXXX at XXXX for {$1000.00} each, ATM withdrawals of {$400.00}, {$100.00}, {$300.00}, {$83.00}, and a small charge at a gas station for around {$4.00}. We contacted the police, and they agreed she was a victim of fraud. They allowed us to file a police report, then we took the report info and disputed these charges with UMB, but they denied crediting our account back, claiming the charges were valid, since she gave account info. My daughter had no idea this person was a fraud at the time and was scammed into divulging the account info, was trusting of a person she thought she knew, and as a result, they went on a spending spree, stole money, and UMB closed the custodial account and applied those charges to my primary checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
First, I have XXXX Citi Credit Cards. XXXX was under a debt management program for well over 2 years and was paid off in XXXX of 2016 so its listed as a closed account.One of my XXXX existing cards was set to expire XXXX/XXXX/16 and I received a notice in the mail on XXXX/XXXX/16 ( letter was dated XXXX/XXXX/2016 ) stating they are not going to issue me a new card being that I have an account in a debt management program. I understand they can close the account at anytime they feel, however I have 2 issues with regarding this. 1 ) The excuse that they are using ... If the issue was because of another account that I have with them in a debt management program, then why did they continue to let me use the card for well over 2 years before deciding to close it out. Plus, why did n't Citi inform me of possible consequences because I enrolled in a debt management program on another account. 2 ) I have earned XXXX reward points on my card and was using them only when there was something worth using them on. Based on their items and reward options the point value is XXXX = {$1.00} which means my reward point value is equal to {$6300.00}. Due to the fact they are closing my account out, they have informed me that I will lose my rewards points once the account is listed as closed. I have repeated my issue several times on the phone as well as thru the message portal with very little attempt to resolve the issue of the fact that I would be losing my reward points.

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 2015-08-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015, when I went to my credit card 's website to pay the monthly bill, on the date it was due, the website was down, and I was not able to pay my bill until the next day. This made my payment XXXX day late. 
The credit card company then added a late fee to my XXXX bill. 
In XXXX, I payed the monthly bill on time, paying the minimum amount that would have been due without the late fee, because I believed that the company should not have charged a late fee, when their website had been down at the time that I tried to pay my bill in XXXX. I expected the credit card company to have realized that their website was down, and to drop the late fee. 
Now, the credit card company is claiming that my XXXX payment is past due, because the wrongly assessed late fee is past due. And they are adding XXXX late fees to my XXXX bill. 
My complaint is Twofold : A ) The credit card company charged me a late fee for a bill that I was unable to pay on the due date because their website was down ; B The credit card company is charging me a late fee on a late fee, when I paid the regular minimum amount due on time in XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian is not showing any credit history or score for me. I have been denied a mortgage twice in the last 6 months because of the missing information. XXXX and XXXX both show an extensive credit history and scores. I have spoke with my lenders and they are reporting to all XXXX bureaus. I believe this is against my rights as a consumer. Please help me resolve this issue. Sincerely -- XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
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: Information belongs to someone else

Complaint:
There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX XXXX {$1000.00} XXXX XXXX  - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX  - Acct # XXXX XXXX {$67.00} XXXXXXXX XXXX- Acct # XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I decided to give Citibank a try on XX/XX/2016 due to the " Reward your drive '' promotion. This promotion promised a {$400.00} credit to all new customers to open a Citibank account, deposit at least {$15000.00}, and keep a minimum deposit of {$15000.00} for 30 days. I did all of this. I was supposed to receive the credit within 90 days of opening my account. I contacted Citibank because I heard nothing from them on when they plan to deposit this credit. Citibank then has the nerve to tell me I 'm not enrolled in this promotion because I did n't verify my email address ( This is a lie, I have verified my email several times ) and then they claim I need to provide them a promotional code. This too is a lie because the promotion states nothing about providing a code. I found a code for the promotion and send it to Citibank, then they " investigate '' why they have not honored the promation while they let the promotion date expire!! This is complete false advertising. I complied with all terms and conditions of the promotion. I even enrolled in it and opened the account from the link on Citibank 's website. They know I am due the {$400.00} credit but the entire promotion is a scam, they are not going to honor it!! If all of this is n't bad enough they refused to allow me to pay my water bill the first month because they claim I needed to verify that I had received the check I gave the water company. I have over {$20000.00} in this account but they will not allow me to pay my {$40.00} water bill! I now have to pay a late fee and credit card fee because Citibank decided to " Freeze '' my account without telling me because they want to verify that I want to spend the {$40.00} check I gave the water company! I did fax a signature to verify that I received my checks before trying to spend one. However I had to contact the corporate office to get someone to check the fax machine!! Citibank is the worst customer service on this planet and needs to be shut down!

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 2016-06-30
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold account with Citibank. I signed up with a promotion that gave XXXX XXXX for meeting certain requirements on said account. After I had met the requirements, I sent a message to citibank through my online banking and they confirmed that the offer was attached to my account and that I had met the requirements to get the bonus and that my bonus points would post in a certain time frame. Screenshot is attached. I messaged Citibank again to see why my points had still not posted and I am being told now that I was not targeted for this offer while the opposite has been confirmed many times over chat and secure message. Screenshot of new message is also attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
It started on XX/XX/XXXX, I contacted XXXX XXXX XXXX, also known as XXXX XXXX XXXX, about them reporting an account on my credit report and which I had no knowledge about. I mentioned I was a victim of identity theft in the past and continues to happen. They told me to contact the dealership who reported it to them, XXXX XXXX, who I have contacted. They claimed I had originally asked about a XXXX XXXX and my business was denied credit but did not state any vehicle was in my name or purchased. I called back XXXX XXXX, and they kept on insisting they could not do anything and I would have to contact the dealership. They also stated I would have to make payments towards this account, or my credit would be showing late payments. I have been making payments since due to my construction business and I use my personal credit to obtain loans and could not afford to allow any late payments on my credit. On XX/XX/XXXX, I spoke with a XXXX, XXXX XXXX, and stated he would put in a request to investigate this matter. I was told I would receive a Identity Theft Affidavit, which I filled out and notarized and faxed to XXXX XXXX on XX/XX/XXXX. I have yet to hear anything back and this account is still reporting on my credit report. I will stop making these payments as for over 6 months now, XXXX XXXX has done nothing and ignoring my requests to remove this account from my credit report. 
I've also emailed XXXX XXXX a Federal Trade Commission Identity Theft Report, reported on XX/XX/XXXX. XXXX police have also been notified of this situation. On XX/XX/XXXX, I called to check receipt of the Identity Theft Affidavit, i talked to a XXXX, who gave me an email address to send copies to as she did not see that in the system. XXXX hung up the phone on me after stating she would go look at what i emailed her. I have sent 2 emails to her since and no responses at all. I do not own a XXXX XXXX nor ever purchased one from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
Macy 's is charging me a {$2.00} " Minimum Interest Charge '' fee on a XXXX balance credit card account. They charged me the {$2.00} fee on XX/XX/XXXX and when I notified them in writing, the customer service agent advised I had a XXXX balance. Now the account shows as 30 days past due and they charged another {$2.00} fee on XX/XX/XXXX while the balance was still XXXX except for the {$2.00} fee from XX/XX/XXXX. I do not owe this and do not want this to negatively affect my credit rating.

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 2016-09-23
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called CitiMortgage to make a payment on a demand letter I received XX/XX/XXXX. The letter stated I needed to call to make a payment of approximately {$3600.00} on my account on or before XX/XX/2016 to prevent further foreclosure action to begin on my loan. I called that day and a gentleman answered. I was on the phone for nearly 30 minutes and he had no idea what he was doing. I explained my situation and he could n't find the demand letter to understand what payment I was trying to make. The gentleman obviously worked out of XXXX. I asked on multiple occasions to transfer me to someone who was knowledgeable to ensure that my payment was made on time. He finally agreed to take a payment, and transfer my call. Upon " taking my payment '' he proceeded to transfer my call. The line disconnected and I could n't stay on the phone another thirty minutes so I did n't bother calling back that day. About a week or so later I noticed the funds had not been withdrawn from my checking account so that prompted the additional call bck to citi mortgage. The lady I spoke to proceeded to advise what I would need to do to take care of payments on my loan. She stated based on my loan payment not being processed before the expiration of the deman letter my loan had been pushed into pre foreclosure status. I called to make a payment, I should not be penalized because of the gentleman who did n't know how to do his job. I want any subsequently delinquency notices to be stopped and negative reporting to be corrected.

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 2023-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, XXXX, EQUIFAX, ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSUMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. Nor could these accounts be reporting on my credit report because they did not stem/originate from a credit transaction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief