BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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:
I recently disputed an account that is listed on my Equifax credit report, but Equifax continues to claim that it is my account, even after an " investigation. '' I have tried to contact the credit card company directly ( XXXX XXXXXXXX ) but can not get through their system because I don't have the full account number and they don't recognize my SSN ( because it is not my account ). I was unable to get through to a live person at XXXX XXXX. The account that is listed on Equifax has a balance owing of {$7600.00} and a credit limit of {$14000.00}. It was opened XXXX XXXXXXXX XXXX Payments on this account are being made by someone, not me. I want the account removed from my credit report and I want XXXX  XXXX to clarify/correct the contact information so it does not get mixed up again. I would also like to know how this error happened and if it is someone who shares my same name, or what exactly has caused the error. Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$380.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a victim of ID theft. I have a account with Navy Federal. My account is currently restricted for things I do not have any knowledge of. There was disputes going on with other consumers that I do not have any knowledge of, and for that particular reason Navy Federal placed my account in security. I sent Navy Federal copies of police reports so that I could continue to use my account and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ATTN : XXXX Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ) XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database E-Oscar search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$620.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
XXXX. ACCOUT NAME : FIRST PRMEMIER ( XXXX ) XXXX BAL : {$680.00} This account was charged off listed with wrong balance please delete error XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$460.00} no proof of contract collection trans error please delete. 
This account is duplicate listed multiple times.

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 2017-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hello CFPB, thank you for taking the time to review my complaint. On XX/XX/XXXX I went into a Wells Fargo branch and worked with a bank representative to close my Wells Fargo Checking account, Savings accounts ( XXXX ), and Credit Card account. I received notification that my checking account and credit card were still active and intact in XX/XX/XXXX, despite the fact that wells Fargo told me the accounts had been closed. In response, I returned to the bank on XX/XX/XXXX to close these accounts again and explain that there was an error and the accounts were supposed to be closed two and a half months prior. Today, on XX/XX/XXXX, I received word that my Wells Fargo credit card account is still open. I am frustrated with the misinformation that Wells Fargo has provided me twice now, concerned that more Wells Fargo accounts remain intact in my name ( despite my repeated attempts to sever my relationship and close my accounts with Wells Fargo ) and so I am filing a formal complaint in the hopes that more consumers are not misled by the bank. 

Thank you, 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
Consumer complaint received 2017-01-12
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a Macy 's credit card with a {$300.00} limit and zero balance. In XXXX of 2016 Macy 's let someone call and report card lost or stolen and sent them a new card to an address in Florida. Next the credit limit was raised to {$2200.00} and immediately the card was used in XXXX, XXXX XXXX, and macys.com. In XXXX 2016 on a trip to XXXX XXXX XXXX I tried to use the card and it was declined. Upon my return home I received a phone call from Macy 's asking for payment on the card. I informed Macy 's that I had not reported my card lost or stolen and I did not live in Florida. I filed a police report and the necessary paperwork with Macy 's Fraud Investigation Department. Macy 's has now sent me a letter saying they did not accepted my claim as a fraud claim and sending my account to an collection agency. This is unacceptable!!! Macy 's has significantly damaged my credit score and my ability to obtain credit has been diminished. They have also reported false information to the credit reporting agencies and now all reports are inaccurate.

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 2017-05-30
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:
I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. XXXX reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account. This is a violation of the FCRA because they are reporting INACCURATE information on my 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 explanation
Consumer complaint received 2022-02-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$260.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response

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 2022-02-27
Company: Experian Information Solutions 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:
On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting on my credit 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 explanation
Consumer complaint received 2016-06-24
Company: Credit Central Holdings, LLC
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The company calls me non stop back to back and when I do talk to them they threaten to have warrants put agianst me and they threaten to have the police come to my house to arrest me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XX/XX/2021 company opened a collection. 
Account # XXXX {$230.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have spent hours attempting to resolve the issue. I have even gone to a XXXX  office. On the phone all people that I have spoken to have been out of the country. I had given XXXX  a credit card number to pay for the service. When the phone was never connected successfully, I contacted my bank and it took XXXX XXXX 3 months to obtain my money back. 
Now I have a letter from Credit Collection Services stating that I owe {XXXX}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Nelnet, Inc.
State: CO
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:
My sister and I have the exact same social security number with the exception of the very last digit. While going through my credit report recently I found several items on my credit which I did not open and I am positive that it was due to my sister using my social for her accounts. There are 7 student loans taken out in 2009 alone. There's no way that they all belong to me. I would like to see about researching which ones belong to me and which ones don't and see about removing the ones that do not belong to me from my credit report. 
My sister was working for XXXX XXXX a little more than a year ago and during that time her student loans were not reflecting negatively on the credit report because the company has a repayment program but a year ago my sister left that company and now all of a sudden I have all of these extra student loans that have hit my credit report and lowered my credit almost 200 points. 
I have been trying for months now to be able to figure out where the student loans are being held how much is being held and when they were open so that I could figure out which ones I needed to dispute but every single loan holder that I have called has no record of my accounts existing at all. 
I am at my Wit 's end and I don't know what to do from here and I would greatly appreciate the assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Block, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorized ATM withdraw Gas station {$280.00} XXXX XXXX XXXX XXXX  ATM Cash app/ Square cash XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Other

Complaint:
I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with Citibank and XXXX with XXXX XXXX. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want Citibank and XXXX XXXX to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.

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 2022-05-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These inquiries are fraudulent! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.

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 2017-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Dispute unfair billing practice and billing error since XX/XX/XXXX been in dispute since back and forth with Citi Bank Sears Billing @ billing about credit never added back to account after numerous attempts to solve these issues. Credit that was given back for the months of XX/XX/XXXX, Through XX/XX/XXXX and XX/XX/XXXX through now XX/XX/XXXX has not been added to our account.proof of credit that was apply was put back in purchase for those months which explain our over payment to Sears Credit Card ( Citi Bank ) who refuse to investigate the unfair billing error and refuse to fix the problem and refund our over payment to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Sun Trust checking account was first hacked into by ATM withdrawals and was done at locations I didn't use.XXXXSun Trust refunded the funds.My only deposit I get is Social Security..they replaced Debit Card and new Pin Number..I explained how my cell phone and tablet was stolen and all my vital info was on these devices.They should have closed my account totally down..In XXXX there were withdrawals again from ATM machine, I filed a dispute which you wait a minimum of XXXX up to XXXX for their off shore Fraud Department to process the claim they denied the claim..I send a rebuttal denied..I live only XXXX XXXX Social Security..its close to $ XXXX, then on the morning of XX/XX/XXXX I get a call from Sun Trust there is suspicious activety..well they used at XXXX an app. called XXXX XXXX.deleting close to $ XXXX Trust reimbursed me immediately..They never suggested to close my account down..they have the person 's name who did Cash Out..he has taken over my phone I'd and passwords..Why are they refusing to give me my money..Trust me its well needed..I 'm a XXXX Person and the past year recovering from XXXX XXXX followed by XXXXXXXX XXXX..I have been a Sun Trust for XXXX. they never had a problem with me..They know it was hacked and just refusing to give me my funds..I was applaud that the Branch Manager told me to go to a XXXX XXXX..and it's my fault that I need to protect my account better. She then precedes to tell me she doesn't use a Debit Card..or Online Banking or Auto Pay..because they are not safe..Please I need my money..Thank You and God Bless

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