BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
I made 2 online purchases of phone refill cards for XXXX that were represented to give me 6 months of phone service for each card. I did received 2 phone cards but they were never activated /paid for by the seller. In other words I paid for 2 cards with zero value. In order to use the cards, I would have to pay the money all over again. I disputed the charges but Citibank denied the dispute since I did not return the cards to the seller. The seller never responded to my request for a return so that option was not available to me. XXXX confirmed that the 2 cards can be used once they are paid for as the seller never paid fr these cards at XXXX. The total amount lost was {$420.00}. I do n't understand why Citibank would not support my claim.

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 2022-05-26
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX Account Number : XXXX and XXXX  Account Number : XXXX have violated my rights. 

15 U.S.C 1681 section 602 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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/2017, attempted to use my Kohl 's credit card, and was advised they showed my social security number was being used by another party. This is after five years of credit at Kohl 's, using my social security. Their solution was to restrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MN
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 have 5 unauthorized inquries that need to be removed, I never filed for XXXX  XXXX and the courts say they don't report this to credit bureaus and it should be removed and I have an account that was paid off satisfactorily and never late. I also want to validate 2 accounts I do not recognize, all of these items are detailed in the letter enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
marked as improved account then days later marked as chargeoff account when account has been settled and paid since XXXX 2016 which keeps causing my credit score to drop. There is only an issue with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have sent multiple letters to XXXX XXXX to resolve the issue on the collection account which is not mine. After several months the account still shows on my equifax credit file. I again started to dialog with them about why the account still shows up on equifax. they have not sent the requested documentation nor responded to any of my requests which is against the FCRA. My last letter, third in the last 90 days, dated XXXX was returned to sender. 

I have sent duplicate letters to the three addresses listed for them which includes the one on my credit report and they have not responded in any fashion. 

The addresses include : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX I received one return to sender and zero correspondence. 
I have called the associated numbers and have been told someone should back to me and non-one ever does. this is effecting my credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
We canceled the time share within the allotted time based on our contract. XXXX XXXX and Equifax both stopped reporting the XXXX tradeline ( after several rounds of credit bureau disputing ) however, Experian is still reporting it. Additionally, Experian is reporting the debt as currently past due with brand new lates each and every month. The true date of last activity was back in XX/XX/XXXX. This is causing us to not be able to close escrow on our home. We just extended escrow 30 days but, must have the incorrect current lates removed and the account removed all together from our credit reports by XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
2 weeks ago I called Experian to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected 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 2022-05-26
Company: CITIBANK, N.A.
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:
This problem is with XXXX, In XXXX I had a account with Best Buy that is held by best buy, This account was opened XX/XX/XXXX They say charged off as it was going through Bankruptcy they started this XX/XX/XXXX, at this time my credit took a point loose. Then in XX/XX/XXXX they marked bankruptcy, They although tried to hit my cerdit report with saying I claimed bankruptcy in XXXX of this year my score dropped XXXX points had to get XXXX XXXX to help prove no new bankruptcy. Now this week in XX/XX/XXXX they are reclaiming charge off and my score fell XXXX more points this should not be reported again was once reported charge off XXXX then in bankruptcy, XXXX is telling me I can keep having my score drop from this same account till it comes off account. I have tried calling Citi bank no help I wrote to the in XXXX and sent in Discharge papers And I believe a problem may be Citi bank changed it to a collection agency with new account number and then back to bankruptcy number

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 2020-10-01
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled out a debt and the remark on my credit file still states I owe minus the amount I settled for which was not the agreement. This error is causing me issues. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Im having a very trying time dealing with my private loans. Theres no plan to effectively delay them. The income based repayment plan that I was on is terribly high. With everything going on with COVID and my precarious financial situation I often times find myself extremely overwhelmed and I feel that there is no one at Navient to empathize with my situation. The constant calls and the distressing lowering of my credit report has put me in such a mentally fragile time. I write this to get some guidance and assurance because Im not comfortable with Navient and feel like there is no way to reach a justifiable conclusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filed an complaint with Citi Cards XXXX on XXXX, I advised Citi Cards that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I provided information to Transunion and XXXX from the XXXX XXXX  court of Michigan. Which read as follows we do not report any information to credit bureaus. I sent all proofs they refuse to remove. No 3rd party reports allowed on 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 non-monetary relief
Consumer complaint received 2017-02-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Arbitration

Complaint:
I canceled a previously booked room in XXXX XXXX more then 45 days before arrival. 
The company XXXX XXXX XXXX tried to say it was not refundable even thought they advertise full refund if cancelled more then 45 days in advance. 
Citibank originaly credited my account after I filled a dispute with them on the charges. 
Then XXXX XXXX XXXX sent them paperwork telling lies. I sent Citibank supporting documents showing the lies and they contacted XXXX XXXX XXXX. Since they never responded back Citibank closed the case with me not recieving any refund.

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 2015-11-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
my credit line was reduced from XXXX to XXXX after a lump sum payment I recently made of XXXX my payment history has never been late since its inception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
The credit bureaus stated all my accounts was 100 % correct and accurate and investigated properly but how is that possible when the open date is inaccurate, the date last active is inaccurate, and last reported is inaccurate this is ground for removal and they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH a ACCOUNT WITHOUT MY WRITTEN CONSENT

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 2015-04-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I 've been victim of credit card fraud and identity theft. I call Citi about my credit card and they treat me rudely every time I call them. They wo n't help me at all and I feel discriminated because XXXX is n't that good. Worst customer service I have ever encountered. I am a victim but they do n't help me. I do n't feel like paying them after being treated like a second-class citizen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Sears at XXXX XXXX, XXXX NC : POLICY for all cashiers as per management ORDER to maintain employment, is to offer customers a discount and withhold all information that this discount comes contingent with the approved application of their credit cards. They are also told to hold back the written material relevant to the credit card and application process and tear off the signature and scan page only for customer to see. This is rationalized as ok on the basis that the customer.. usually XXXX or English not first language or young and inexperienced individuals, and EVEN those that have STATED they do NOT WANT A CREDIT CARD, have given their social security card so it 's their problem. This is devious and I presume illegal. This has been going on to my knowledge as an employee since 2008 with ALL NEW HIRES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been a paying member of Experian since XXXX, paying more than {$20.00} per month for that period, for a total of approximately {$1000.00}. This was a result of signing up for the " free '' credit report, and failing to monitor the ongoing fees. This is my oversight. On XXXX XXXX XXXX I discovered this issue and acted to cancel my account. I called Experian to cancel, and was told that I would have access to my account for the duration of XXXX XXXX. The representative refunded me the amount of 1 month 's fee. Ten minutes later I logged in to my account to download my credit report. Since I paid {$1000.00} dollars to Experian, and I was told that I would have access to the account through XXXX XXXX, I chose to obtain a copy of my current credit report. Once I logged in I discovered that my account was locked. I called Experian and was told that the account was locked because I closed the account and received a month 's refund, and they refused to send me a copy of my credit report. The phone representative and her supervisor XXXX acknowledged that I had paid {$1000.00} to Experian, the call timing ( the call being approximately 15 minutes after the previous call to close the account ), and the fact that the first phone representative told me the account would be open for the entire month. Yet I am denied a copy of the report because of company policy - once the account is closed, no access. This is capricious and rigid. I have been a paying customer for 5 years. I was provided guidance by the company representative that is wrong, yet I am punished for the incorrect information. The representative and the supervisor were both unwilling to make remediation : send me a credit report. This is highly disappointing and unreasonable. 
Lesson learned : do not, under any circumstance, contract with Experian.

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 2016-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: AmeriCollect
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:
Amerocollect collection agency put the same amount in my reports 6 times I have been disputing it for about two years XXXX. Amount of {$1100.00}. XXXX on my XXXX report 6 times 3 times on XXXX. Both credit companies agree that it is fraud on amerocollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I called into Synchrony Bank when I noticed an unauthorized transaction on my card. This happened on XXXX XXXX, of 2016. They said they would close my account for fraud and issue me a new card. They did issue me a new card, but I never got a credit on my account. When I called them back, a month later ( XXXX16/ ), they said that they had lost my info and would reprocess my fraud claim, which would take another 30-60 days. During this time I spoke to several representatives from synchrony to make sure they did n't lose track of my claim. But THEY DID!!! Can you believe that I called them on XXXX/XXXX/2016 and they said that the fraud claim was not filed and it would take another 30-60 days to process my claim. A month later after several phone calls to Synchrony, I got a letter saying I benefit from services ... this letter was dated XXXX/XXXX/2016. I was very confused at this point, because I explained to the bank that I did n't know the company, and never gave them authorization to charge my card. What benefit did I get from them? This was an unauthorized transaction and I thought that maybe they misunderstood what I had explained to them. So I called them back and said they must have misunderstood, and that I had no dealings with this company, and that in order for me to benefit from the service they had to sell me something. Which could not have happened because I DO N'T KNOW WHO THEY ARE. So they told me they would give me reconsideration ( XXXX/XXXX/2016 ). On XXXX/XXXX/2016 they sent me a letter denying me again, with the same boxed checked. I benefitted from services. No explanation. Nothing. They have a {$0.00} fraud liability protection, I do n't understand why they are not adhering to their own policy.

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 2022-05-26
Company: Credit Card Acquisitions Group
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is stating amount is {$12000.00}. This debt is over 10 years old.The account has been re-aged and I would like it removed. They re-aged account to 2021 which is false.I ask the company to validate debt and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On or about XX/XX/2022 Fair Collections and Outsourcing ( FCO ) called and informed my mother, XXXX XXXX, on her personal cell phone that they were attempting to collect a debt in my name in a specific dollar amount and demanded that she provide the FCO representative with my phone number and told her I was in trouble.

This is a direct and severe violation of consumer and privacy rights. FCO is an abusive third party debt collector and I have provided a letter disputing the accuracy and veracity of the debt they claim to be collecting.

FCO is located at XXXX XXXX XXXX XXXX XXXX, XXXX, MD 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