BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or around XX/XX/XXXX, I received an email from my credit card provider, Citi, that a payment had been made on my account that covered the entire balance of the card. After a week, the balance did reflect that payment being made. I did not make that payment, I called Citi to question it and they said someone called and paid off the balance on my credit card. I did not further question this, I just assumed it was a gift. Shortly thereafter, I transferred a balance onto the card and made some purchases. After 3 weeks, the person who was allowed to mistakenly pay my credit card reversed that payment. Citi put the balance back on my card and is now making me pay anything due over the credit limit by XX/XX/ or they are going to terminate my current promotional balance and completely ruin my credit because i will be unable to make this payment. 

I called them and told them there is no way I could make that payment and it'd be 5 months before I could come up with that kind of money, but they did not care. They do not believe that they did anything unethical. They allowed someone else to pay off my credit card, took away my entire balance, then reapplied it all without my acknowledgement. I have no issue paying back the full amount. My issue is that Citi is now trying to charge me the entire amount over the limit due to their mistake and will not work with me on this whatsoever. This will ruin my credit due to Citi and someone person mistakenly paying the wrong credit card & them allowing it to happen in the first place.

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 2023-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX Currently here fraudulent accounts and inquiries Appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I utilize Experian as a credit monitoring service. I typically leave the account status as " frozen '' in an effort to deter identity theft ( of which we have been an attempted victim ). 

On XX/XX/23 I " unfroze '' my account and submitted an electronic application to XXXX for their XXXX XXXX XXXX ( I am looking to take advantage of their bonus mile program ). 

Upon submission of my application, I received an immediate message that my account was " frozen '' and to first contact Experian to unfreeze the account and then call XXXX to advise them. 

I called the Experian number provided ( XXXX ) and found myself in an endless loop of prerecorded menu options - I was not offered or able to speak with a customer service rep and my only option was to freeze my credit report or go to the Experian web site to unfreeze my credit ( which we had already done ). 

I also called another number that I found in a XXXX search for a live agent at Experian. That number ( XXXX ) also resulted in a pre-recorded menu option list and no ability to speak to anyone. 

At this point, similar to my prior attempt to obtain this card, I am unfairly and inappropriately being denied the ability to obtain and utilize a financial vehicle of my choice. 

I need assistance in unfreezing my account.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2022-11-04
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX discriminated against me when applying for the Sony Rewards Visa card & is attempting to cover up that they discriminated against someone who has/had their income derived from XXXX ( which is illegal to be taxed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a capital one card in the mail on XX/XX/XXXX I never requested nor do I even have an account with them after they made an inquiry on my experian account on XX/XX/XXXX. I never requested this inquiry either so they opened a credit card without my consent and brought my credit score down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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:
these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX Equifax too out of my XXXX XXXX XXXXXXXX for balance decrease when XXXX gave XXXX points. 
On Friday XX/XX/XXXX they took off my XXXX XXXX XXXXXXXX points for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BEAL FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I have a predatory loan.My interest rates keeps going up every 6 months. I try to get loan modifications and they have been denying me for years and my balance on my principle loan hasn't gone down in 25 years. I bought my house in 1998 for for {$100000.00} with an XXXX $ down payment and today I still owe XXXX. As of today Ive paid over XXXX. 
I am on XXXX now. And Im on a fixed income. With the help of my daughter I am just barely able to make payments.I know they are trying to take my home and I will not let them. I have worked too hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX currently have a Fruad account on my credit report and XXXX inquiries. 

Accounts 1. XXXX XXXX XXXX XXXX {$56000.00} Inquiries 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX 3. 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-09-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I have XXXX XXXX  on XX/XX/XXXX several XXXX  for XXXX. Theres XXXX XXXX on XX/XX/XXXX there not authorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX of those on XX/XX/XXXX flagship XX/XX/XXXX some that are XXXX XX/XX/XXXX XXXX I got preapproved to buy a car from XXXX  XXXX. I went to the dealership and with my preapproved letter and now Im seeing several Auto inquiries on my account, which I never authorized, and I mean there are, not just a couple I mean lots of inquiries from auto dealerships and after pulling my credit I had bought a car a year over year previously and I also had a preapproved letter from caXXXXital XXXX and I see that they did the same thing at that time I have probably like XXXX inquiries on my account Where they know where I was trying to do a credit card and I did authorize you know for them to pull my credit and one time is what I was you know authorizing and I see where they pulled it like three times when I authorized one time and I have like hundreds of these on my credit report And Im being denied credit because of all of these. I did have incorrect addresses on my report that I have been trying to get corrected. I contacted several of the companies and they said if they are in there then I requested 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 explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/16 I am a victim of ID theft and my information was used to apply for account which resulted in credit inquries on my report. I have contacted Equifax and told about this issue and they have not address it. 

Fraud Inquiries ; XXXX ( XXXX ) XXXX/XXXX/16 XXXX XXXX - BRANCH XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX/XXXX/16

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Nelnet, 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: Account status incorrect

Complaint:
Department of Education states that my loan was transferred to ( Nelnet ) and that any delinquencies would be deleted off of my credit report. I have a letter from XX/XX/XXXX showing these corrections will be made and now we are in XXXX of XXXX and they are still showing on my account. Can you please help in getting these removed from my credit. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit report that are not mine includingl : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A FTC report has been submitted and accounts were not blocked. I di not fall Under the guidelines Im to reject any accounts remaining or the 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
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 need to resubmit this complaint to EXPERIAN. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 

According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number 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 2023-11-27
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Issues started in XX/XX/2023 when I applied to the SAVE plan. 

Well, I still make my monthly payments. I payment my XXXX payment. So my next payment was going to be in XX/XX/2023 for the sum of XXXX dollars. 

On XX/XX/XXXX, I receive an email that my loan is in forbearance. 

I log into my account on XX/XX/XXXX. Now the amount that was due in XX/XX/XXXX is showing that it is past due. Mind you I had already made my monthly payment and no payment was due for XXXX. 

And now they have my XXXX due as XXXX dollars with a a past due for XXXX. 

Now am wondering, am I getting weekly payment dues? Tried calling no one picks up. I do not care if my payment due is XXXX but how can you decide that what was due in XXXX is now due in XXXX when a monthly payment has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone has been using my information to open fraudulent credit card account without my permission and or knowledge if you will. This was done without my consent and done against my will. The time and dates stated below are as follows. 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 XXXX XXXX XXXX These applications for credit WERE NOT SUBMITTED MY ME I DID NOT AUTHORIZE FOR MY CREDIT TO BE CHECKED RAN ETC, and for anyone to do so. SOMEONE HAS STOLEN MY PERSONAL INFORMATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
Amount of {$79.00} from XXXX was a service not received! No business exists. XXXX guilty of fraud. Capital One purposely trying to irritate this customer. Capital One has sent various secure upload links that do not function. Fax most recently sent To Cap One disputes on XX/XX/2022 with supporting documentation.

Company response to consumer: Closed with monetary relief