BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
For my Citi Card account, I never gave authorization to go paperless. But Citi stop sending paper statements from XXXX 2014. As consequences I missed a payment of {$69.00} then being charged late fee of {$130.00} in following months. I request that you to investigate this issue, and Citi should refund the {$130.00} and remove related information for my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have already disputed the account XXXX XXXXXXXX XXXX from opened credit cards accounts on all my credit reports XXXX, XXXX, and XXXX last year of XXXX. I noticed my credit being ran in XXXX XXXX on XXXX XXXX I contacted XXXX XXXXXXXX XXXX and told them no I did not open this account. This account was opened in Mississippi, XXXX is the county I think. I have never lived any where other than XXXX address 's or XXXX XXXX. They proceeded to ask me if I had an authorized user on the account and I told them no. I asked them who it was and they said XXXX XXXX who is my ex-husband of XXXX. This person is a con artist with no credit and has stolen my info. I have no communication with this person and did not give them any permission to open any accounts in my name. This was disputed and closed But then put in collects on my credit report as they sold the account to Midland credit management. I called them again because I thought this was cleared the first time. they asked for my address and then proceeded to change it on the account saying all info is correct when that's not true. I want the account removed from my credit reports and future reports on XXXX, XXXX and XXXX. Thanks you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have disputed items on my credit report with Equifax. When I contacted them in referenced to the dispute, most of the information they had and what I requested was incorrect. While inspecting the disputes they dropped my credit score drastically and when I asked " why '' was told because they are investigating disputes. Asked how they can do this when the disputes have not been resolved and everything remains the same and all of my accounts are paid on time, no satisfactory answer. Even though I dispute items, they still remain on my credit report., i.e., one account I never opened, received in mail that I have a approved credit with this company which they then reported to the credit bureau. I never used this account, there are no monies on this account and asked to have this removed. Equifax refused to remove this from credit report and told me basically to call them and get it resolved even though it is obvious the account was never used. I requested my mortgage to be added to my credit report as I have never been late with mortgage payments and would help my credit score sufficiently, they refuse to do that as well. Which I should have the legal right to add positive items to my credit report, showing payments and etc., not just a statement. They are terrible to do business with and very difficult to understand. Bottom line, I disputed items, nothing basically has been done and my credit score went down!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed the incorrect accounts with Equifax multiple times now. They were included in a charged off bankruptcy and Equifax is the only credit agency that will not report them correctly even after sending them the bankruptcy paperwork to prove they were included. I called them multiple times and they make me sound like I am lying about the accounts. XXXX and XXXX XXXX report them correctly but Equifax does n't seem to care. This company has a duty to report my credit file correctly and has the power to make or break my credit. Why is it so hard to report my file correctly???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I made an uniformed decision that is causing damage to my livelihood on XXXX XXXX XXXX as there was no instant proof of debt offered to me when I initially engaged in this consumer credit transaction. After, reviewing the contract, I discovered that there was ambiguous, unclear and inconspicuous information that was not presented clearly and left me unaware of my alleged obligations. This lack of clarity prevented me from making an informed decision. I was pressured to make a decision without having access to complete pertinent facts, evidence of indebtedness & information on informed use of credit. They keep reporting to CRA 'S when the agreement should be null & void.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Capital One runs Capital One XXXXXXXX- a website providing members with rebates on certain purchases that are paid out via gift cards. 

In XX/XX/2022, while I was shopping online, I received an offer from Capital One Shopping for 24 % off an item I had previously viewed. I activated this offer and purchased the item from the partner website. The calculated rebate amount is {$400.00}. 

I subsequently noticed that while the shopping trip was recorded in my Capital One XXXX account, the purchase and expected rebate amount was not recorded ( i.e., it saw that I visited the partner website but did not register the purchase ). As a result, I sent an email to help @ XXXX ( the only way to contact them ) describing the issue and providing a comprehensive set of documents evidencing their offer and the completed transaction. It has been three months and despite several follow-ups to this email address, there has been no meaningful action to resolve this matter. In most cases, they simply do not respond. 

I am owed a {$400.00} gift card from them and believe this to be a bait and switch incident that is also unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello., I disputed through the BBB XXXX accounts by a company called XXXX on my credit report thinking there would be no problem with them being removed. XXXX and XXXX removed them all as unverfiable. Equifax to the BBB that they verified the accounts, but I dont believe so. The information Equifax gave me was the exact contact information that was on my credit report. They did not give me names of representatives. Nothing. I am just very confused why they havent removed them. The other XXXX credit reporting agencies did. I also have XXXX more collection that is on my account that is reaching the seven year mark. I would kindly like it removed if possible. Its from a company called XXXX XXXX. I really did not want to open a dispute with them through the CFPB, but knowing the fact that XXXX and XXXX removed them all is really alarming to me. I am attaching XXXX documents showing that both these agencies did indeed delete them.I also would NOT like a message to the CFPB saying " we are working '' on it and making me wait a lot longer. I want this derogatory information removed upon receipt. Also Equifax has blocked me from opening a new dispute. In there dispute center. I put it in about 10 times and submitted. I have XXXX confurmation numbers saying these accounts are under investigation, but in actuality. I XXXX back into the dispute center and the dispute is if it has never happened. I would like this practice by Equifax investigated as well. I can provide all those dispute numbers in the future as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I check my credit report and found that it have wrong information on there, so I contact equifax to let them open a dispute and told them this debt is not mines.They did the dispute, and inform me that they can not remove the debt from my report, because the company that put it on my report send them proof the debt is mine.I said to equifax to please provide me with your proof, equifax send me a document that did not have my name on there, I ask for a next dispute, after 4 dispute I ask for a supervisor, I told the supervisor of equifax the debt is not mine and I have been trying to get the company who is XXXX XXXX who put this false information on my credit report to send me some kind of proof that the debt is mine, the person at XXXX XXXX continue to give me the run around, I call left messages for day no call back, then this lady call back and said she will send me proof by email, I give her my email address, and I ask how long before I get back the info she said seven day, I said are you mailing it she said no it 's coming by email.I waited for 8 day no email just run around I reach out to her again same thing happen.I call back equifax and told them the problem they said they can not help me its up to XXXX.I said to the supporvisor you will allow a company to keep false information on my report and you did not see proof it 's my debt? Equifax said they ca n't help me, I would have to continue to reach out to XXXX. Equifax and XXXX have handle this station very poor in my book.Equifax allow XXXX to put fraudulent information on my credit report.The supporvisor said it nothing they can do to help me everything is up to XXXX.That is not fair at all and something needs to be done these big companies give the run around so you give up, not good on equifax and XXXX.I will up load information they send me that do n't have my name.Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit score with Equifax went down XXXX points without any apparent reason. I collected all available information online and there was nothing. Apparently getting a copy of my credit report will not provide a credit score. I pay all my bills on time 100 % of the time. This change in my credit score could drastically affect my ability to get a mortgage. The entire process of credit scoring needs to be much more transparent to the consumer in order to be disputed. Knowing the rules of the scoring game in order to increase a persons score is extremely confusing. I believe that any change more than XXXX points to a person 's score should require a 60 day written notice in order to be disputed by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The credit reporting agency has been compiling my information into some other person 's credit report and they tell me that I do not exist in their system when I give my social security number, name and address. The account that I found out about, is showing in a relative 's credit report for only XXXX credit reporting agency and the other XXXX credit reporting agencies are not having this problem at all. Among myself and my relative, we discovered that this particular credit reporting agency has been mashing our credit information together in a file under my relatives report and showed my name as " formerly known '' with current address and name, a similar name with spell in-corrections and all other sensitive data that was creating false extra credit towards my relatives credit history. Myself and my relative have called the credit reporting agency together and discussed this matter, to separate our data and they gave my relative a credit dispute file. The credit reporting agency representative also told me that they were creating a separate file with my information, since myself and my relative were both giving the agency separate and accurate information about our credit data. After 30 days, my relative 's credit dispute was acknowledged as complete. When I called the credit reporting agency, they ( the credit reporting agency ) told me that I do not exist in their system at all and I will have to call any company that I am involved with for credit data to re-report any credit data all over again or for myself to send in personal sensitive documents including : social security card, payment bill showing information, driver 's license, etc ... .., in which I have never had to do this for any credit reporting agency that I am aware of. I have been working on this issue for quite some time and it has really been hard on myself when it comes to getting any financial credit in good standing when I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These personal information are not mine please update everything!

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 2015-08-03
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was required to pay {$25.00} interest each month on my student loan. I missed a payment so was in arrears by {$25.00}. So i logged into the Sallie Mae website and set up an auto debit of {$50.00} per month so that I would clear my arrears and start paying down my loan by more than my minimum. When the auto debit came around instead of taking {$50.00} out of my bank it just took {$25.00} leaving me in arrears. I then got phone calls and messages from Sallie Mae telling me I was in arrears. When I checked the auto debit was still set up for {$50.00} per month but despite that Sallie Mae only took the minimum {$25.00} out. When I phoned up to ask why they told me that that is the way the system works and that I could not set up an auto debit for more than the required minimum. This is despite the fact that there online system allowed me to do this, still reports that I have a {$50.00} per month auto debit and above all else should allow me to pay down my loan faster than the minimum. When I challenged them again they told me that the only way to pay down the loan faster was by one off single payments. 
My frustration was that at no time was I told that I could only pay off the minimum amount of {$25.00} through the auto debit system, and that by not taking out my {$50.00} payment it kept me in arrears unintentionally on my part. 
I should be able to pay down my loans faster if I want though the auto payment system and if this is not possible Sallie Mae should have notified me when I set up the auto debit and not then complain when the arrears payment was not taken out by them. 
For students learning about how to handle financial management the system in place seems to only help Sallie Mae not the student. In helping to keep the student in arrears even when they tried to pay off the loan faster than required. 
Even there new look website is poorly designed mixing interest with payments in the same column so its harder to see how the loan balance is going up or down based upon the loan servicing. Why oh Why does the loan statement not separate additional charges and interest into its own column separate from the payments made to pay down the loan. This would give students a much clearer idea of how there loan is progressing rather than having to read down and across for each number to understand its meaning. Once again a missed opportunity to make it easier for students to service there loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently checked my XXXX credit report and found negative accountings on my account that should not be there. The one to which i am currently reffering is my mortgage with XXXX XX/XX/XXXX- XX/XX/XXXX. I was covered under the SCRA law during this time and have enclosed the orders as well as the law for you to correct this mistake as soon as possible. I also have several other issues including XXXX, XXXX XXXX, XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX XXXX. I was covered under SCRA starting XXXX XXXX XXXX XXXX XXXX and a year after that as well as, XX/XX/XXXX- XX/XX/XXXX and a year after that, as well as, XX/XX/XXXX- XX/XX/XXXX a year after. Attached are all of the orders for these dates and all negatively affecting credit reports for said dates should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I as well as the Original Creditor sent documentation as proof the account has been closed -Settled in Full. Equifax still refuses to report the account as a Closed collection on my credit report. The account is currently showing as an Open Collections.I as well as the creditor have reached out to Equifax to update their Database accordingly. Multiple disputes have been initiated with no resolution. I am not asking the account be removed. I am only asking that my credit file report it as a closed collections account, instead of an open collections Account as per the Document from the Original Creditor. Please see attached document as proof of account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I faxed a ID theft affidavit with a police report to Equifax claiming that I have no recollection of XXXX trade-lines that appear on my credit file. Equifax did not provide any information to confirm that they followed the procedures to conduct a reasonable investigation, specifically in a case involving ID theft, nor did they forwarded the documentation in this case to XXXX or XXXX. I am demanding that this Credit Reporting Agency follows the procedures as per the FCRA to assure that the information on my credit file is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 I contacted this company for a debt that is not correct. I do not owe this company for no sort. Never signed a agreement with this company to do business. & the amount they say I owe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I would like for Equifax to contact XXXX the original credit card company who gave me a card back in XX/XX/XXXX, my first delinquency on this account was XX/XX/XXXX. The account was sold to XXXX debt equity on XX/XX/XXXX. Continuous disputes with XXXX to see my XX/XX/XXXX first delinquency dates have gone unanswered. I e contact XXXX numerous of times about inadequate information in my credit report. I 'm holding Equifax accountable for their lack of verification of my first delinquency date in XX/XX/XXXX. Verification : is sworn testimony. Third party is insufficient '' XXXX. First hand knowledge. First someone verifies but do n't have first hand knowledge then it 's not verification, it Hearsay. And hearsay is inadmissible and the court says its incompetent. FCRA 603 ( 0 ) ( 5 ) ( A ) ( I.iii ). I want to know Tge person name Equifax verified the dispute with and documentation used to verify the dispute. According to the FCRA, the reporting agencies are required to forward the disputed information to the furnished of the account ( original creditor ). XXXX, but the credit reporting agencies only forward the two digit code according to their automated E-Oscar sustem ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I want this tradeline deleted or I would like to sue sue Equifax for non-willful compliance of the FCRA. The item is scheduled to come off in XX/XX/XXXX with Equifax, I want this item off today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: DISCOVER BANK
State: UT
Product: Credit card
Issue: Other

Complaint:
i received a telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.

Company response to consumer: Closed with explanation