BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-24
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:
XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX  XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove both acct. ( never had this acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A refund check was sent on my behalf for an online payment I previously made through the citizens bank bill pay service. The company ( XXXX XXXX XXXX ) sent the check to XXXX XXXX in order for it to be deposited back into my account. This check was cashed by XXXX XXXX on XX/XX/XXXX. However, the funds were never deposited back into my account. I have been calling and calling and speaking to manager after manager with a promise of the money being deposited within 2-3 business days. The money is never deposited and I never receive any follow-up calls. This leaves me to call yet again another time with no satisfaction and no resolution. I have provided all of the details of the cashed check to multiple representatives that included the check number, date cashed, routing number, amount etc. 
The calls that I have on record to have been made are as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice in the mail from Capital Accounts on XXXX, which is dated XXXX, to respond to the validity of a debt that I do not owe them. This debt was written off and already paid to the original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX. However, this strange company illegally obtained personal medical records that I have not authorized to share with 3rd parties. This is a direct HIPPA violation. 

Also, the company prematurely added their account to all of the credit bureau without validating that they have and own the rights to collect on this debt, license and bonded to collect debt in the state of Georgia, or an original contract. Ive already responed via mail on XXXX, but was ignored. I DO NOT wish to do business with this company, and I want this account REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY! 

My next course of action is to seek legal advise, and file charges against Capital Accts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a credit card with Citi Bank which I decided to close ( because frankly they XXXX ). Six months later after account closure and no activity a charge appeared on the closed credit card. Long story short, since it was a " subscription based '' merchant, Citi allowed the charges even though the account was closed and the billing address did n't match to merchants charges ( mind blown ). 
I expected Citi to credit my account and apologize for allowing the charge to go through. INSTEAD after spending hours speaking with multiple representatives and Managers and being forced to fill out and submit a " claim dispute form '' I still have a {$150.00} balance on my " closed '' credit card. 
Any advice on how to handle would be appreciated.

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 2015-10-10
Company: Credit Protection Association, L.P.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a collection account on my credit for {$290.00} for service I never used.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: TX
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:
So I Sent a Letter Off On XX/XX/2022. Here is my reference # XXXX. To Remove Personal Information That I Don't Want On My Credit Report. According To The Fair Credit Reporting Act 15 USC 1681. I Have The Right To Privacy. Also According to 15 USC 6802. No Financial Institution Is Not Supposed To Share my information to third party people.

These are clear violations of my Federally protected consumer rights.

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 2021-03-12
Company: U.S. BANCORP
State: FL
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:
On XX/XX/2020 I went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX XXXX, FL, for a COVID test. On that day, I provided my health insurance card because they were in Network and my copay should have been {$20.00}. They told me that I was out of Network and they charged me {$150.00} using my XXXX XXXX XXXX XXXX ( XXXX XXXX ). In XX/XX/2020, I contacted my Insurance Company ( XXXX XXXX XXXX ) to inquire about my coverage and was told that XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) should have only charge me a {$20.00} copay. The insurance company paid XXXX XXXX XXXX {$110.00} in network provider fee. I contacted both the XXXX XXXX XXXX and XXXX XXXX to get reimbursement because my credit card was overcharged in the amount of XXXX. Please see all documentation showing that XXXX XXXX was paid {$100.00} on the " Explanation of Benefits Form '' on XX/XX/2020, and was paid Electronically. XXXX XXXX denied my claim to get my {$130.00} overcharge. XXXX XXXX claim that the case had no merit. See attached all correspondence regarding my complaint. Please reach me at XXXX if you need additional information.

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 2016-04-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been trying to contact Navient for the pass 3 to 4 weeks to try and get a pay off of my student loans that I have with them. No one has contacted me to help out in this matter. I 'm trying to make a payoff agreement to pay my original loan balance minus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
We have a Citi credit card that is affiliated with the XXXX program. Earlier this year, Citi asked us to upgrade to a new level of card and, at that time, said that using the card XXXX would not subject us to XXXX transaction fees. However, we received an e-mail message from Citi today, where they said that communication regarding no XXXX transaction fees was in error. I have a trip to XXXX planned for XXXX, 2015 and had planned on using this card on that trip for the very reason that I would not be charged XXXX transaction fees. I called Citi today XXXX XXXX XXXX ) and spoke with a customer service rep who said the only way I could continue to get no XXXX transaction fees on this card was to further upgrade to a card with a {$450.00} annual fee. Given what they told me when they asked me to update to my current card, Citi should honor that statement that I would not be charged XXXX transaction fees, particularly because I relied upon it in deciding to stay with this card rather than switching to a different card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To Whom It May Concern : REF : Violation of the FCRAI have received denial notice 's from different business informing me of their decision was based in whole or in part on information obtained from Certegy Check Services , Inc. XXXX. XXXX XXXX, XXXX, FL XXXX toll free at XXXX Who provides authentication and risk management services to merchants and businesses nationwide '' .I have sent a previous letter to Certegy, by mail, and spoken to customer service representatives over the phone requesting that I would like to file a dispute on the information that they have on file and Certegy have XXXX to do so more then year. According, to Certegy employee XXXX ( Floor Leader ) have given me inaccurate, misleading information different from other Certegy employee XXXX ( Floor Leader ), XXXX, and Al who both are customer service representative, stated to me that Certegy did not do a investigation of my dispute, when I made demand for one, and offer to do a investigation now after more then a year went by. XXXX ( Floor Leader ) informed me that there was a investigation done on XXXX XXXX 2014 and respond from, the ( XXXX ) to denies my claim on XXXX XXXX, 2014 that I did not complain about the product they gave me was misleading and I did n't wanted the product and they can not confirmed any calls, and conversations. XXXX ( Floor Leader ) demand that I pay the debt and debate against me of filing a complaint against ( XXXX ) to return the money back to Certegy, and repeatedly apologize for the others employees given misleading information on my account. Certegy, who did not notify me of ( XXXX ) respond and violated the Fair Credit Reporting Act by ignoring my requests to investigate the items according to XXXX others employee. My previous letter and phone calls -- all stated my reasons for an investigation and these reasons were not frivolous in any way. If I have to, I will file a civil suit in for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I also ask that there be investigation and that CFPB monitor this company practices. 

I anticipate your response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. The accounts I am disputing are : XXXX XXXX XXXX Acct : XXXX XXXX XXXX Bank Acct : XXXX XXXX XXXX Bank Acct : 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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.

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 2016-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX - Arizona Routing XXXX Acct last XXXX : XXXX Never owned personal bank account in XXXX or XXXX. 
never had XXXX Account with bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
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:
Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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 one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX {$900.00} Called made a complain. My case was closed without notifying me. File a police report. Have all the information needed. Its now XX/XX/XXXX still havent been refunded. This is my direct deposit account. I am behind on all my payment s. Why did they allow 14 unusual activity to take place on 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 2022-10-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
LVNV Funding LLC has been constantly harassing me from different numbers after I have told them to stop contacting me. They are also not licensed to collect debt in Alabama.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: MD
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:
I am assuming that the bureaus have been busy and haven't had a chance to review my dispute letter yet its been over 60 days I sent in my dispute regarding inaccurate items on my report and I still have not received any response yet. To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the Equifax data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: CITIBANK, N.A.
State: GA
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 pulled my credit today ( XXXX/XXXX/16 ) through my XXXX XXXX account and noticed that XXXX credit inquiries had been made against my account through the creditor " CBNA. '' They made XXXX hard credit inquires on my account that occurred XXXX/XXXX/16 & XXXX/XXXX/16. I never once applied for any new lines of credit, nor did I approve any creditors to run my credit for any reason during XXXX 2016. There should be XXXX credit inquiries made against my account during those dates in XXXX 2016 so I have no option but to assume this was a fraudulent act.

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 2020-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
See attatched Credit Report USAA account XXXX opened XX/XX/XXXX TRANSFER/SOLD date closed XX/XX/XXXX USAA REPORTED XX/XX/XXXX * INACURATE REPORTING. PER MY RECORDS I HAVE NEVER HAD THIS ACCOUNT XXXX USAA SOLD TO COLLECT. Send my Original Written Signature of this debt of XX/XX/XXXX Reported Sold XX/XX/XXXX OR REMOVE IMMEADETLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe nor is aware of this debt.

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 2020-03-14
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX with false and inaccurate information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Clarity Services XXXX, A part of XXXX gave a report to a lender I was trying to obtain a loan from. Due to the information in the report my loan was denied. When I tried to get a copy of the report and my score this company stated they couldn't verify my identity. I have an account with XXXX and pay monthly for my 3 credit reports. I was told by the representative because XXXX is a subsidiary company under XXXX they do not share information. I would have to send a copy of my social security card and driver 's license either by mail or fax. This is unreasonable and risky if the mail does not reach it's destination. I can't believe a company like this has no problem sending my report to a lender if requested, but I was the consumer can't get a copy without taking extra steps. I asked to speak with a XXXX but was told they can forward a message and get back to me within XXXX hours. There are steps that can be taken to verify people, like asking information only the consumer would know. My personal information has been compromised in the past and I would like to know if anything is on this report that is fraudulent or inaccurate. When I asked about putting a freeze on the report they stated they can't do that until I'm verified. Please help!

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