BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
Applied for a Macy 's account in store. The representative assisted me with applying for there Macy 's XXXX. Got a receipt showing that it was approved for {$600.00}. 

When I called in to discuss the credit line ( which was substantially lower than any other card I have ) I was actually only approved for the store card, and someone can not get approved for a Macy 's amex before they open the Macy 's store card and that my application was not submitted for the Amex. They did offer to apply for the Amex over the phone, but that it would be a separate account. 

I feel like this is deceptive marketing tactic. One should not be required to open a store card in order to get a co-branded card. I also feel as its deceptive to print out at the register a receipt that says you approved for something you applied for when its a different product with out informing the customer or it reflecting on the receipt that a different product was opened than what was originally applied for. 

I also do not like the fact that the credit line can not be re-assessed by anyone manually. I was told it 's all done systemically, and based on debt to income ratio 's. my next lowest credit line is {$4500.00}, {$600.00} is just simply to low of a credit line for me to carry in my wallet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
NOT THAT ANYONE ACTUALLY READS THESE COMPLAINTS, BUT AMERICAN EXPRESS HAS ALWAYS BEEN DIFFICULT TO DO BUSINESS WITH AND CONSIDERING THEY ARE NOTHING BUT TROUBLE TO DO BUSINESS WITH : CLOSE MY ACCOUNT AND STICK THE CARDS UP THEIR XXXX. 

THIS COMPANY SUCKS AND SHOULD BE ALLOWED TO TREAT CUSTOMERS IN THE NASTY WAY THEY DO AND THEN EXPECT PAYMENT FOR SAID NASTY SERVICE AND TREATMENT! 


When I was given credit by American Express my physical address was on my application & account. American Express CHANGED my physical address using the Postal Service National Change of address update system to my PO Box on their own. I was forced to obtain a PO Box when my mail was stolen from my home address. 

The USPS requires several ID verifications before granting a PO Box , so my ID was confirmed along with my physical address per the Patriot Act. 

American Express restricted my credit account even after I called them on XX/XX/19, when they assured me my account was ready to use and my card was valid for purchases. 

I then went shopping later that very day and was declined because American Express in fact lied to me and had restricted my account because THEY CHANGED MY PHYSICAL ADDRESS on my account to my PO Box thru their use of the USPS address updating service.

Even after calling them yet again, American Express refuse to fix the problem and refused to unlock my account which apparently had been locked for MONTHS.

American Express and their credit reporting service Experian should be investigated by the Dept of Justice, FTC, Federal banking commission, and state regulators for deceptive and unfair business practices, along with discrimination against military customers & veterans for their targeting military customers for use of APO & PO Boxes.

Additionally since American Express owns and operates one of the largest credit reporting services, they are very much aware of my physical address which they use often and should have fixed my account months ago, but elected NOT too.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: EOS Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX I was attempting to acquire a landline telephone service from XXXX XXXX XXXX ; spoke with " XXXX '' in which a temporary number was issued, XXXX ; stating {$34.00} monthly waiving the activation fee. A few days later XXXX telephone wires arrived in the mail. I wanted to KEEP my existing old number ( XXXX ). Time passed, my " old '' number was not ported out and completion of the order was not finished leaving me without any service. I obtained WI-FI with a different company. I called XXXX XXXX XXXX and informed them I did not have service with them when months later they sent a {$100.00} bill. Afterwards, several collection agencies were demanding the amount of the bill. I contacted both XXXX XXXX XXXX & the collecting agencies and informed them the debt was invalid. XXXX XXXX XXXX told me it was with a collection agency & the collection agency told me to contact XXXX XXXX I spoke with " XXXX '' on XXXX XXXX -- collecting agency XXXX ; and " XXXX '' on XXXX when he stated " no longer has account ''. I asked them to remove the debt from all three credit bureaus which has harmed my financial status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
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:
On XX/XX/XXXX, I entered XXXX XXXX to purchase a vehicle. It had been negotiated and paid for by wire transfer. 

I was requested to fill out a " worksheet. '' I asked if it was a credit application because I was paying cash and would not consent to a credit inquiry. I was told it was not. I asked a second time based on the info requested on the form. I repeated that I don't consent to a credit inquiry because I am paying cash. After I completed its, I repeated for a 3rd time that I objected if a credit report was ordered. 

Shortly after I left the dealership with the vehicle, I received an email that a credit inquiry was made by the dealership. 

The dealership was deceptive and abused its power to order the report. I don't know why it was done since it spent 45 minutes verifying my identity. If they told me the information necessary in advance ( for example as CA DMV does for Real ID ) I would have brought it with me. This delay tactic is abusive since they have been paid {$43000.00} so it made it difficult to leave or complain. I was there so long that I left without being paid for a trade in. Initially, they behaved as if it was a common practice. When questioned they reluctantly admitted a signer was not available. I no longer believe that and it seems just a technique to negotiate better terms and pricing on the trade in and to take my focus off objecting to the credit report. 

It may be discriminatory. I am XXXX XXXX. Am I being treated the same as other all cash buyers or the subset of those buyers who object to a credit report? If they find ways around it for other buyers, why did I not receive that option? The appointment was set up 2 days in advance. I very clearly objected to a credit inquiry three time while at the dealership. The report was not ordered until after I left the dealership. When rules are discretionary or made up, it is common for minorities to be subjected to shoddy behavior like this. I didn't deserve this treatment and others like me don't deserve it either. 

The credit agencies need to be on formal notice and can be accountable for the rogue and abusive practices of your customer, XXXX XXXX. It has used your agency to order a report against my will and without my permission. It called the credit application a " worksheet. ''

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 2017-01-27
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Numerous times I tried to have Navient do an income based repayment plan since both my husband and I had lost our jobs. Each time they put my loan into forbearance instead. To get caught up they finally let me start a payment plan but it was to pay the full amount of my loan but they only set it up for one loan and failed to tell me causing late payments and fees. They have XXXX on multiple years of loan debt die to the forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been trying to refinance my home due to various reasons. I understand completely what the information is supposed to be portraying about an individual or a company. HOWEVER, the current reporting system is extremely flawed and biased. 

In this complaint I was working with your organization to correct things and somehow thought I had paid my mortgage. While speaking to the representative she advised me I had missed a payment. I immediately paid that payment and the current payment and asked her for a 1 time forgiveness of the late payment. ( Basically I had to qualify for the 1 time forgiveness ) So now in reviewing my credit report from the last update Experian gave me it shows that I my account is past due. I tried to dispute the error however t he choices did not include my problem. When I tried to use something different to submit it Experian says they can't reinvestigate something that has already been submitted. This is a different issue with the same Predator Lender. They can report on the same company but I can't complain about the same company and they are affecting my CREDIT.

Again, now I want MONETARY damages from the Bureaus. I am going to report every detail I believe I have been damaged by their reporting so I have an audit trail.

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 2022-10-06
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inquiries have violated my rights.

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

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CITIBANK, N.A.
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer through Citibank to XXXX in the amount of {$18000.00} in order to purchase a land in XXXX on XXXX. It took almost 1 month and the fund was never received by the beneficiary. I got answers that the transfer takes up to 5 day,10 days, and 20 days ... every time I called. Citibank is supposed to contact me if there is anything wrong but they never did and instead, I contacted Citibank almost every week since the transfer was made. Citibank promised me that I will get full refund and fee if the transfer is not made. So the last time that I called them was on XXXX. XXXX, XX/XX/2015 and I was told that the fund was returned because the account number that I provided was not correct. I also contacted the bank in XXXX to check all information and all information is correct including the account number. I would like to get my full refund and the processing fee as they promised since my time has been wasted and I will not trust them again. The problem is that Citibank told me that they will refund me with the current rate and without the fee which means I will lose money. This does n't make sense at all! Citibank kept telling me different answers and changing their minds which is not right. I highly doubt that if they ever transferred the fund. I ca n't pay for this because I provided correct information. In addition, I could always modify the information if there is anything wrong. I really need my full refund because Citibank failed to transfer my money. I 'm providing information regarding to this issue below. 
Source Account : XXXX ( Checking ) US Dollar Amount : $ XXXX : XXXX XXXX XXXX Account : XXXX : XXXX XXXX XXXX XXXX : XXXX Number : XXXXCitibank Reference Number : XXXXTrace Number : XXXX up by : XXXX XXXX XXXX XXXX XXXX XXXX My name has been changed to XXXX XXXX and XXXX XXXX XXXX my previous name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Open Date XX/XX/2018 XXXX {$290.00} XXXX  Let a person open a account in my name and sent the credit card to a 8 year old XXXX XXXX that shoudive gave them a red flag u don't send a credit card to a XXXX XXXX u send a card to a fiscal address, this is wrong that XXXX XXXX  system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and the cfpb.

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 2020-04-10
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My information is was used for some sort of membership from XXXX XXXX  XXXX XXXX  that resulted in it going to Collections after I realized it was being charged into my bank account and replaced my card with my bank. XX/XX/2020 this company sold the debt to Midwest Recovery Systems which is now reporting on my XXXX  credit report in error. Ive had an issue with false credit cards and inquires on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for 7+ years and account was closed and my payments were always on time after me loosing my job then Covid 19 happend not to far after messed me up financially

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citimortgage has placed a lien on a property when they did not have a title conveyed to them. They continually harass and trespass. They want to run up legal expenses and costs when they did not have a deed to the property. They are trying to foreclose. They have literally made the title unmarketable. They continually say, get a lawyer. Lawyers cost XXXX dollars and time. A corporation owns the property, Citi did not get title, and they refuse to discuss any settlement or resolutions for their corruption.

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 2020-04-10
Company: EQUIFAX, INC.
State: TN
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:
Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is open sky I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX and the cfpb.

Company response to consumer: Closed with explanation