BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX ( XXXX  ) offers on its website, open Citibank MasterCard Acct, pay for this flight with Citicard. If youre approved {$200.00} credit, plus XXXX points, free checked bag, no fee first year, etc. They claim they will provide a number to use for immediate use of this offer. I fell for it. I applied, I was approved, BUT Citicard wont tell me my number, so guess what, XXXX  only hold flight 24-48 hours, so its useless to use their offer, and now Im stuck with another credit card. Its a scam. I have contacted XXXX, Citibank, etc. with responses of oh we are sorry.,. Would like to send you screenshots. Thanks!

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 2023-06-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On or about XX/XX/2023, I applied for an XXXX XXXX XXXX  online which is administered by the financial institution mentioned in this complaint. An XXXX credit report was pulled, my credit score is in the XXXX 's. I was approved for a {$10000.00} credit line ( see attached proof ). On XX/XX/XXXX, I was on a trip in Maryland. I attempted to make a purchase at a retailer that accepts this card. Unknown to me, the account had a block on it, with a request to verify my identity. I provided my valid State Driver 's License and a Visa card issued by XXXX XXXX. An attempt was made by the bank to verify my identity by sending me a text code to my phone. The system at the bank malfunctioned and could not send the text. The cell phone number of : XXXX has been my number for 17 years through XXXX XXXX. I have received numerous text codes without any issues whatsoever in the past. My background is as follows : no negative credit information is reported by any major credit reporting credit repositories, a credit utilization ratio of 13 % and over {$170000.00} in available credit amongst my credit cards. I have no fraud alerts on any of my credit reports. I attempted to call the financial institution at the customer service number on XX/XX/2023 for clarification of the issue. The business was of no help to me and could not provide an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: LA
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 previously sent a letter to XXXX, XXXX, and Equifax XX/XX/XXXX, XXXX its been well over 30 days, I still have received anything back. 

According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: SC
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:
I need clarification as to why you are reporting certain information on my credit report. Please review the following : ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? ALSO, THE ACCOUNT IS NAMED XXXX XXXX ON EQUIFAXS REPORT, WHILE XXXX IS LISTED AS XXXX XXXX. DELETE THE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

After you have finished my request, send me a copy of my credit report reflecting these changes. 


In the past XXXX years, I have written and sent letters to all credit bureaus in regard to this particular account and to have this particular account removed, but this account is still listed on my report. I also recall making payments online with these particular accounts and paying the balance off. Though, after learning about this information on my credit report, I returned to the company site to gather more information and receipts of payments, but the information was no longer there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Equifax and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are a possibility this account belong to me I 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXX 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 2020-05-29
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX {$270.00}, XX/XX/XXXX {$990.00} XX/XX/XXXX {$1000.00}, These accounts are result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: AmerAssist A/R Solutions, Inc.
State: NC
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:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. DP OF EDUC Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Account Number : XXXX Please remove it from my credit report. 

8. Identity Theft Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: IL
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:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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 want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: DISCOVER BANK
State: AZ
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:
I received a statement from Discover card in XXXX that showed a charge from XXXX in the amount of {$160.00}. I called Discover at XXXX and got their fraud department. I explained that I had not ordered their virus protection and would never pay that much for such a program and they told me the charge would be reversed & nothing else needed to be done. Shortly thereafter I received in the mail a letter saying a dispute case had been inititated by XXXX. I responded stating that XXXX had my name & credit card # from a purchase made once before but their so called evidence had me living in the wrong state, had an incorrect IP address for my computer, had sent sample invoices & sample e-mails that did not contain my name. Actually showed two invoices ( neither with my name on them ) for {$39.00} and for {$160.00}. Discover card then reversed the charges which did not appear on my following statement. Around the end of XXXX I received the same exact evidence and letter stating they were putting the {$160.00} charge back on my credit card. I responded by sending them a letter on XX/XX/23 disputing the charge once again and showing why each piece of their evidence was not valid. I have not heard from them since. For the last 40 years I have had an excellent credit rating and this really upsets me. I am a retired XXXX and living on fixed income I WILL not ever pay a debt other than my own. Your help is truly appreciated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I made a payment for my Lowes credit card I received my confirmation email stating I had made my payment. On XX/XX/XXXX I received an email stating that my payment was processed. My bank statement reflected the payment was processed. On XX/XX/XXXX I received a call from the company that I had NOT made my payment and it was now late. I tried to reason with the company letting them know I had bank proof and email proof to show I made my payment on time. They were unable to help me and I was forced to make a second payment for the month of XXXX. On XX/XX/XXXX I once again made my payment and received my email confirming my payment. On XX/XX/XXXX I received a email stating the payment was processed. This morning XX/XX/XXXX I noticed they charged me again and an email stating I was enrolled for autopay. When I saw this logged into my synchrony account and ONLY used the chat box to ask for the customer support number to give them a call. I tried explaining all this to customer service agent and verified everything I mentioned above. The agent was unable to help me and so I asked for a XXXX. The XXXX continued to insinuate that I made those extra charges and auto pay enrollment. I mentioned to her OVER AND OVER AGAIN that I did not make to authorization which is why I was calling in the first place. They were unable to help me either or give me any explanation for double payments and enrolling me without my consent to autopay.

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 2022-10-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to drop my mortgage Insurance since XXXX of 2022. Each time I call they tell me that someone will contact you within the next 30 days to set up an appraisal. However 30 days passes and nobody calls when I call the Mr.Cooper to see what happened they tell me that they do not have any record of me calling. Incidentally I have a letter from Mr. cooper that was sent to me in XXXX of 2022 that it says they did an AVM and it shows that I have more than 20 % Equity in the home. In addition I have spent more than {$70000.00} in upgrades and I have all receipts to show. However with all the requests that I have asked them they refuse to drop he Mortgage Insurance or send an appraiser. I need help Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Credit Bureau is reporting an unverifiable public record on my credit report. I have submitted disputes along with documentation indicating this removal from my XXXX consumer file, yet the Credit Bureau is refusing to remove it. I have repeatedly requested the method of verification have not been provided it.

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 2022-11-09
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:
Despite the XXXX previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your XXXX investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXXXXXX XXXX XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$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