BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: SC
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 was made aware of some inaccurate and erroneous items on my credit report in XX/XX/2020. Over 60 days ago I disputed these inaccurate items and to this day no response. I feel like Im being ignored of my issues, and there is nothing I can do. I detailed in the previous letters why they were inaccurate. I was also affected by the Equifax data breach and now Im thinking my information had got into the wrong hands. The items are harming my credit report and demand they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Account status incorrect

Complaint:
As of XX/XX/2022, Equifax is reporting that I have 2 closed accounts with balances from XXXX and XXXX XXXX and XXXX. These accounts do not show up on my XXXX report. Equifax has failed show any signed contracts that I have for these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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: Information belongs to someone else

Complaint:
These are not my accounts. I did not authorize these credit pulls. There are addresses where I haven't lived, and there is a name that doesn't belong to me.

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 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I opened a savings account in XX/XX/XXXX for a security deposit for a tenant in the amount of {$1300.00}. i called the bank in XX/XX/XXXX to find out what the balance was and was told it was {$470.00}. i was selling my house so i needed to let the buyers and attorney know how much security deposit should be transferred to the buyers. i went to the bank to find out what happened to the money. i spoke with XXXX XXXX and she called the online research dept from the bank while I was there. i was told the bank records go back 7 years and they have no record of the account beyond seven years and therefore could not tell me what happened to the money. upon the sale of the house i had to give the buyers {$1400.00}, the amt the security deposit should have been for all those years. now Im out {$1000.00} because the bank doesnt know what happened to money. i need to find out what happened to money and how can I get my money back from the bank

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 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.

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 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Trans Union needs to report this account as settled, closed and remove the comment about it being in dispute.

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 2020-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These are not my accounts. I did not authorize these credit pulls. There are addresses where I haven't lived, and there is a name that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX   XXXX   is trying to collect on a debt for a MasterCard account via Orchard Bank. I do not recall ever having a  MasterCard  and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX  bearing my original signature.  XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XXXX  and  XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened is against  Federal  Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had unauthorized purchases made to my account on Thursday, XX/XX/XXXX. I submitted a dispute to my bank with the amounts of {$120.00} at some online retailer called rosatees.com. There was another charge made to XXXX for {$52.00} as well. Neither one of these charges were made by myself and I dont know what evidence there couldve been to say that it WAS me. Apparently when doing the investigation, both retail sites confirmed that it was an authorized transaction. My card was stolen, and Im not sure how they couldve been authorized charges when I can almost 100 % guarantee that the charges made had none of the same information such as my address, phone number or any other information given to the retailers with the exception of my name and card numbers. I never use XXXX services or even hardly ever make XXXX purchases. I have apple products and dont use anything google related. Ive never even heard of this website called rosatees before either. I can guarantee that someone is using my name to use my money and get away Scott free! Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I spoke with XXXX XXXX regarding a debt that Midland was attempting to collect that was beyond 7 years old. He advised me the account was open in XXXX & charged off in XXXX. I advised him that it is now XXXX and that under state law the debt is no longer valid. Additionally I received no notice from them regarding it and it is also not showing on my credit report. When I ask for proof of the debt he danced around the question several times attempting to talk me out of it before he finally consented. He also danced around disputing the debt. 
They have also not attempted to reached me at my registered phone number and have instead been harassing my parents at both their home and work numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
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 Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to the tool made available by Equifax Inc. my information has been impacted by this cyberattack, including my SSN, date of birth, address, and possibly my driver 's license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2016 I recieved " true & certified '' copies of alleged mortgage documents from CitiMortgage via a Qualified Written Request ( QWR ). Upon reviewing the documents CitiMortgage ( acct # XXXX ) sent me the signature on the promissory note is not my signature and I did not sign the promissory note. This is forgery and fraud. Not soon after making complaints to various agencies I get a notice of the alleged loan being transferred once again to XXXX account number XXXX 
I received notification in the mail from Citimortgage an ACT XXXX NOTICE. This notice was addressed to me and my ADULT children. Notice XXXX instructing each one of us to seek a Consumer Credit counselor to apply for a HEMAP within 33 days.. or face Foreclosure. 
The issue at this juncture is the alleged loan being TRANSFERRED or FORECLOSED. 
How can Citimortgage get way with forgery/fraud and reap the benefits of such actions against consumers such as myself and others..Please HELP This is totally confusing 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
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the month of XX/XX/2020, I was charged a {$39.00} annual fee. This is a 1 % cash back card which has a {$400.00} credit limit. I called XX/XX/XXXX as I had a {$110.00} balance and I anticipated only having a {$79.00} charge. XXXX from capital one said I was charged annual fee. I told him to close my account and waive the annual fee as I would no longer use the account and that I had never requested the annual fee waived. I also added that due to my credit limit of {$400.00} the 1 % cashback would not benefit me since my cash rewards would only be up to {$40.00} which the {$39.00} annual fee would take. He said that the annual membership fee benefits me but could not explain how. He continued to say that there were no offers to credit the fee and said sorry. I would like the CFPB to look into UDAAP unfair abusive practices for this card as i feel it does take advantage of a consumer with this low of a credit limit as the annual membership fee will take up the 1 % cash back anyway. Additionally, the highest amount of cash back I have ever received was {$13.00}. My request is to close the account and waive the annual membership fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. XXXX XXXX XXXX XXXX XXXX claimed that they bought the credit card account from Citi Bank and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX XXXX? This is hurting many working families in XXXX XXXX and I feel that it is causing more damage than the XXXX XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.

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 2022-03-21
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Filed a complaint in XXXX regarding fraud on my HELOC account at Huntington. Complaint ID XXXX. The fraudulent balance was removed but the interest it accumulated was not credited back to my account as promised. In Huntington 's response I was told it would be taken care shortly. However I've followed up with Huntington 's representative numerous times and the matter has still not be resolved. From no less than 20 times of me reaching out him he has only responded 1 time. In his response he informed me the interest charge would be resolved in a matter of days ... that was weeks ago. He is no longer returning my numerous voice mails or follow-up emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The loan is paid off I just don't see why the company the acc is close but still have a debt showing in my credit report want to clear this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX AV XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX  XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$21000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00}

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 2018-05-31
Company: Experian Information Solutions Inc.
State: MA
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:
I would need to file multiple complaints again against Experian based on being able to only choose one reason for this complaint on the previous screen. Experian, again, has incorrect information on its credit report on me. Why this foreign company is allowed to do business in the US is  beyond me as both American companies, XXXX  and XXXX  do not show the false negative reports against me. 

Today, XX/XX/2018, I applied for a student loan refinance with XXXX. I was denied because they use Experian and on the Experian credit report there are 3 patently false negative accounts listed for me. 1 is figment of their imagination ( made up ) and the other 2 are wrong. 1 was a car loan for which I was not the primary borrower that was paid off over a year ago. A XXXX XXXX XXXXXXXX account that is non-existent and an XXXX account that was paid off almost a year ago.

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 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, 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:
capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
capital one - XX/XX/XXXX - I didn't authorized or apply. 
XXXX XXXXXXXX XXXX - XX/XX/XXXX - I didn't authorized or apply. 
XXXX - XX/XX/XXXX I didn't authorized or apply. 
XXXX ( card service ) - XX/XX/XXXX - I didn't authorized or apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Albert Corporation
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my whole account was hacked, somebody took all the money out of my account, they also ordered a new card to whole nother state, they didn't even send a message that any of this was happening. I tryed to login to the app and it wouldn't let me, that's the only way I knew something was wrong, 4 days later they finally let me log into the account only to see all my paycheck was gone! I disputed the transactions, not even 4 hours later they tell me the dispute was denied.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
After filing a complaint with the CFPB, the debt collection agency said to contact them directly to work out a solution. However, there has been no response to mailed or emailed contacts. I have yet to receive the information requested from either the original credit card company, Citibank or XXXX XXXX ( Law Offices of XXXX XXXX XXXX, XXXX, XXXX, GA ). I think that the paperwork I requested will show that the accounts was closed prior to the date reported and at a lesser balance. Please help. I made efforts to pay this debt and am still being penalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, 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:
My credit score dropped 21 points in one day XX/XX/2021 even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. This happened because my professional association was promoting a private student loan refinance company known as XXXX XXXX, owned by XXXX XXXX, and included a link to calculate an estimate of the interest rate one may obtain with XXXX XXXX should they refinance with them. This was promoted as a finance tool however when I used it, it resulted in a report to the credit bureaus of a hard inquiry as if I had applied for an actual loan.The purpose of the promotional email was to encourage members of my professional association to research if they could first possibly qualify for a better interest rate, BEFORE, submitting a formal loan application.

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