BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: Automated Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone, unknown to me, purchased from XXXX 's XXXX XXXX. In the process of their purchase, my cell phone number was given or was entered incorrectly in XXXX 's system. I have verified with XXXX 's customer service that the account in question is not in my name nor did I cosign for it. XXXX 's turned the account ( with my cell phone number ) to collection via Automated Collection Services , Inc . 
ACSI has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have ACSI stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to XXXX 's XXXX nor ACSI. 
( 2 ) I have requested them to stop contacting me. This has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: NJ
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:
I was miss-charged by a company on my XXXX XXXX credit card. The company was taking excessive time ( over a month ) to correct the issue. I filed a dispute claim with XXXX XXXX for a fraudulent charge. XXXX XXXX corrected the matter with the company and I was charged the correct amount ; which was less than 1/3 of what they originally charged. The overcharge caused my credit score to drop by about 30 points because it almost maxed out my card. I informed Experian of the matter, by opening an electronic dispute. Their system says that the dispute is open and closed ( resolved ) at the same time. 

I can not get in contact with them. There is no email ( which they use to have active ) and every number you call doesn't allow you to speak to someone, without paying for the membership service. This is hurting my score and I can not apply for my VA refinance of my mortgage until it is corrected. How can they cut off all methods of communication to them when there are issues with their system and with them? 

Can someone please do something to fix this for everyone, as I know I am not the only one with issues with them.

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 2015-12-13
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed money on Citibank/Home Depot card and I settled to pay the Citibank N.A . XXXX -debt collection agency {$1100.00} to settle my account as paid and settled. However, they are reporting to the credit reporting agencies like XXXX that I owe an additional {$1300.00} to be paid at {$25.00} per month. I paid them XXXX as a final payment to settle account with no monthly owed. The company is trying to get me to pay more money and refuses to report a zero balance owed to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt for the past 10 months. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! Their claim is Hearsay according to law so I don't understand how they get away with putting this on my credit ... No proof. The credit bureaus have not supplied any documents and seem to support XXXX XXXX XXXX even though they are not following credit laws. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$3400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: KY
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:
Equifax should have reported the security breach when they first learned about it instead of leaning on it and seemingly allowing top employees to benefit by delaying the news. It is unacceptable that the data thieves have had access to my and others ' information for such a long amount of time before we were made aware and able to take steps to try to prevent or mitigate any identity theft. They should also have obviously invested more in their cyber security division. Equifax is a credit report that US citizens are forced to use due to the credit-driven nature of our society, and lives are easily ruined by identity theft and the compromising of someone 's credit. Though they are victims as well, they should be held somewhat accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} CB XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: NY
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:
Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$100.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Equifax XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX  XXXX Balance : {$100.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$46.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My concern is with Citcards XXXX Score information on their website. Their website is showing an inaccurate XXXX Score, they state that two situations impacted my score which are, late payments and missed payments and oldest account is to recent. Citibank receives this information from XXXX. I pulled my most recent credit file from XXXX and it does n't show any late payments nor missed payments, also my oldest account is XXXX years old. I called XXXX and they said I ca n't dispute anything because there is nothing to dispute and told me to call Citibank, Citibank tells me that they ca n't do anything because the information is from XXXX and that I need to dispute it with them, my credit file has nothing inaccurate to dispute, also other banks provide similar service and their scores are totally different for example ; XXXX score is XXXX, XXXX XXXX score is XXXX, but Citibank is showing XXXX, this problem has impacted my APRs on my credit cards from Citibank from 9 % to 16.24 %.

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 2016-10-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my {$450.00} / year Citi XXXX XXXX XXXX card 51 days ago. I called today and to ask why I have not seen a check for the annual membership fee in my mailbox yet - the first rep I spoke with told me that it would take 2-3 billing cycles and that I 'd have to wait. When I said some time had passed he sighed and said 'yeah yeah, it can take some time ' as if I were his fraternity brother, not a premium card customer. Upond repeatedly requesting to speak to a supervisor, I was transferred to XXXX ( rep ID XXXX ) who informed me that I had closed my account 3 days too late to get my annual fee back. When I shared that I was not told that I would not get my fee back, he said that, unless someone had explicitly told me I would get my money back, then there is no issue and nothing he could / would do for me. I have not been advised that I am forfeitting XXXX XXXX when I closed the card - had I been told that, I would either have requested an exception or kept the card open. As it stands, Citi has taken my money, closed my account and essentially is retaining money for services not rendered - without informing me of this. I would like to have my fee back from Citi, I believe a reasonable request as my card is closed and I am not using any services. I was also not told that my fee would not be reimbursed. I appreciate your help in this 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 monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXEquifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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:
There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only Equifax deleted these accounts from my credit report. I have followed up with XXXX  and XXXX with follow suit letters with still no response. I am requesting that XXXX and XXXX follow suit of Equifax and delete the six XXXX XXXX accounts from my credit report. XXXX and XXXX can confirm by reaching out to Equifax to confirm this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Payment XXXX. Deferred XXXX. Missed XXXX due to issues. Between my phone and spouse, they call XXXX times a day. Even once or twice when we were two days past due date, they start their XXXX phonr calls a day. They have been asked not to call XXXX phone during working hours and still do. They called work phone once or twice after asked not to. 

On XXXX phone alone, XXXX phone calls since XXXX XXXX, 2015. Saved for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Oh, dear. Where do I start with USAA BANK and all its products. If you want to work with a company that likes to commit major regulation violations, break laws, and ruin consumers lives, this bank is for you. Usaa Bank after being idenity theft and being provided paperwork they not only closed my accounts down illegally they held on to my money for over a month and when it happened they would not give me explanations, they had none. If you are a consumer, RUN! Do not trust them. If you are a federal or state official or work with any government agency you need put them on your hot list.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: Diversified Consultants, Inc.
State: VA
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:
I tried numerous times to close an account with XXXX after I moved out of an area in which my cell service worked, which is a legitimate reason to close an account by their policy. After repeatedly calling for three months, and being left on an endless hold numerous times, they agreed to close my account and remove all charges from my account because I was always on roaming cellular service, and I was not receiving the service I was paying for. I moved in XX/XX/XXXX, and they closed the account in early XX/XX/XXXX. I now have two different collections on my credit report, for two different amounts, but both from sprint and they are destroying my credit score. I do not owe this money and no one from XXXX will give me a clear answer to why this account went to collections, much less why there are TWO accounts for XXXX in collections. Also, no one has contacted me in the past year to let me know I owed this debt, I just so happen to see the collection accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: MD
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX MD XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXO XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$2800.00}

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 non-monetary relief
Consumer complaint received 2019-12-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 2016-05-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Last week, I deposited a check that someone had endorsed over to me. I then withdrew an amount of cash from an ATM. USAA immediately put my account " under review '' and never told me. I did n't receive a call or an email. I logged in that night and my account balance was " unavailable ''. I called and was told it was a " back office '' review and the customer service representative could n't tell me anything for 3 business days. I called back after 3 business days and they still could n't tell me anything. A manager said they would fast track the review and I would hear from someone within 24 hours. That was over 48 hours ago. No one can tell me why this happened or how to resolve it. I do n't even know why it was put under review. I just want my money back so I can move to another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with explanation