BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I received an unauthorized charge on my Macy 's credit card on XXXX XXXX, 2015 for {$25.00} in my statement. I called to inquire about the charge and was told it was a monthly charitable donation that was being charged to my account. I disputed it and informed them that I never agreed to nor signed up for this Macy 's charity. After being told it was removed along with it 's associated fees and it 's monthly recurrences it may take a XXXX billing cycles to disappear from my statement. After 60 days the monthly statement still is charging {$27.00}. I checked my credit report and it says I have an outstanding balance of {$54.00} on the Macy 's card, therefore lowering my credit score XXXX points. After repeated calls and asking for assistance from their customer service, I 've had no resolution. I have never in my XXXX years made XXXX late payment or paid XXXX penny of interest for that matter on any credit card. My credit is very important to me and I hope you understand this is the card issuers mistake and their disregard for concern is affecting reputable card holders. I am canceling this credit card to negate any future exploitative actions on their behave. Please advise me of my best course of action to recover my credit to it 's previous credit rating. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX, OH XXXX This is in regard to the following account numbers : XXXX XXXX XXXX I disputed this account with the company and a letter was sent back from there office that they could not locate the account on file and are asking me for more information. I demand that since they clearly could not locate the account, this account needs to be removed from all credit reporting agencies immediately. I demand this be removed just from their response alone. their time to locate the account and validate it was used and they responded with their findings, with that information I demand removal from my file asap. 

This is direct response from the company " XXXX tracks all accounts utilizing the primary borrowers Social Security number and/or the complete account number. Based on the information provided in the complaints, we were unable to locate the corresponding accounts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: CT
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:
Issue is with Equifax Credit Bureau reporting inaccurate and unverified information on my credit report. They are reporting an inaccurate past due on all accounts totaling {$83000.00} as well as inaccurate payment history of 72 % when it should be paid 100 % due to inaccurate data from XXXX XXXX XXXX. I reached out to both Equifax on XX/XX/XXXX and XXXX XXXX XXXX XXXX via certified mails on ( XX/XX/XXXX ) tracking numbers ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) about the inaccurate reporting that should be classified under 15 USC 1666b as a billing error on their part because their inaccuracy is unverified. Equifax is illegally furnishing unverified data to say I was late XXXX times with no verification on their part nor from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2018-03-16
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
SOMEONE tried to open a credit card at XXXX XXXXXXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: CORELOGIC 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:
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had an active pay pal that I would purchase and pay on my account.. never thought anything of it. On XX/XX/2019 I received a text message from PayPal that my account was having issues with fraudulent purchases. I called on it at first. They said they would be working with me together. I would hear from a department about my account.the next day I went down to our local sheriffs department filed a fraud complaint. I thought ok it was ok. Never heard back from PayPal XXXX They changed my account number.. I still made attempts to pay this in now XXXX. I was late plus in the hospital. Trying to figure out what the heck is going on. Then PayPal took out of my account double the amount allowed from what I agreed to. My bank had to step in. I called PayPal at this point multiple times.. now getting the run around. Was hung up on by one worker lied to by another. No one wanted to help me see what is going on with my account. I asked for a full print out of my account was told they couldnt do that.. had a couple other issues of pay pal trying to go into my account with our permission in XXXX my husband who works in corrections had enough of the issues coming from the fall outs of PayPal so did our credit union. I had to close my account down that I had for over 15 years.. this then caused a huge mess with all our direct deposits. I have freezed my credit so no one can run it. I am a XXXX year old woman not a young male buying razor video games online. This so far is what PayPal would only tell us.. my credit score has dropped horribly because of this. I work really hard at my credit. This bill is raising by leaps and bounds.. this needs to stop!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern, I am writing in reference to reference number XXXX, for XXXX XXXX. The debt has been paid as agreed to XXXX, XXXX, XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, XXXX, IL. 

Due to a lack of communication between XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery Associates my XXXX, XXXX, and other credit reports still state that the debt is in collection, and also further show that it is being disputed. 

Please report that this debt has been paid in full, and please request to remove any trade-line disputes on my records. Failure to do so will result in recourse for reporting debt that is inconsistent, as well as to seek punitive damages. 

Further, If I do not receive a letter via e-mail as well as registered postal mail to XXXX XXXX located at XXXX, XXXX, IL, XXXX indicating the debt has been paid in full, and request of removal of trade-line disputes then I will be forced to file for legal action. 

Best, XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXXXXXX XXXX  ( XXXX ) and XXXX  ( XXXX ), has violated my rights. By not validating accounts in question to which I have requested time and time again. I will list the violation that these companies has done to me.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 section 2 ; It's also stated a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 USC 1692f ( 1 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. These companies both has been in multiple lawsuits for not abiding the set forth by 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 non-monetary relief
Consumer complaint received 2022-02-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I put my XXXX XXXX on XXXXXXXX XXXX and this buyer was interested in it. We ended up setting a final price for it and she tried to send me {$200.00} on XXXX. The money didnt go through because I didnt have a business account. XXXX emailed me and said that my buyer had to send me another {$300.00} so the payment would go through due to me not having a business account. But in order for me to get my money I had to send her back her {$300.00} using a different platform and then provide proof that I did so before I received my money. After I sent the money I provided proof to both XXXX and the buyer. This money transfer was made on XX/XX/2022. XXXX then emailed me saying I had to pay another {$600.00} because the buyer accidentally sent the {$300.00} 3 times. The email also included that if I didnt send the money I would have been reported for fraud. So I sent the {$600.00} a provided the proof to both the buyer and XXXX. This money transfer was sent on XX/XX/2022. After that I got another email from XXXX saying that my payments werent received. On my bank account it says that both the {$300.00} and {$600.00} payments were received by the buyer. They then said I had to send the money a different way. At this time I stopped replying to both parties. I also found out at this time that the email was a fake for XXXX. The email looked very similar to the actual email to XXXX but its not the same one. I sent both the money transfers through Huntington. I also shipped the XXXX XXXX to the buyer before the payment went through because I was told that I wouldnt receive my payment unless I provided proof of shipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My Citimortgage mortgage was paid off in 2009. Only XXXX has it marked as 'derogatory ' and I do n't understand why. I paid it off early and Citimortgage had no complaints. All my payments were made on time - what could be derogatory in this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Have recently received a Judgement warning for a charged off debt and has threatened to garnish bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi My name is XXXX XXXX. I am contacting the CFPB today in relations to the account Nissan Motor Acceptance on my XXXX and XXXX credit report that is posting inaccurate information on my credit report that is severely hurting my score where I can not go for a mortgage loan. This account was never a debt collection or charge-off nor did it have any late payments whatsoever. I would like to see the verifiable information that XXXX and XXXX are claiming that this company is sending to verify these late payments as this account has been on time and paid in full. Whereas the account is inaccurately reporting across these two bureaus with no balance or loan amount or past due amount so I'm so confused. However, what I do know is that this account is current and up to date and no payments were late. So if inaccurate past due or late payments amounts isn't fixed I will look to proceed with legal action because I don't deserve as a consumer to have my credit played with as I worked hard to get my credit to where it is currently at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: CITIBANK, N.A.
State: MA
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:
I have been receiving multiple phones calls ( 3 to 5 times ) per day, for almost two weeks, from Citibank, in regards to a Home Depot account I do not have, and never have had. I spoke to a Citibank representative on XX/XX/2016, and was told I would no longer receive anymore calls from Citibank. I received another phone call on XX/XX/2016. I stated to the bank representative that I do not have a Home Depot account, and I want the phone calls to stop. I also made them aware that my phone number is register with the National Do Not Call Registry, and that this is my first and final request for them to stop calling my number. I do not have ANY debt in arrears, and have good credit.

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 2017-02-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I charged {$5900.00} on my Citibank credit card in XXXX XXXX. I disputed the amount on or about XXXX XXXX. The disputed amount was credited to my account in or about XXXX XXXX. Then in or about XXXX of XXXX my credit card was charged once again for the disputed amount, with no written explanation as to why my card was recharged.

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 2015-10-16
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Other fee

Complaint:
I am a cardholder with Best Buy Credit Services and I was automatically enrolled into a debt protection service without my knowledge and I have been being billed on a monthly basis. I rarely look at my statements and noticed it today when I was paying my bill. Upon contacting Best Buy at XXXX, I was told that I was enrolled since XXXX/XXXX/2011 and have paid a total of {$150.00} into the program. I am requesting a FULL REFUND of this amount, in addition to any interest that I may have paid on top of this amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
REPEAT ISSUE : Inaccurate, unverified bankruptcy reporting against me. At this point this dispute is to collect more evidence of willful negligence from the credit bureau in this issue for court. 

No real investigation has been conducted on the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, I started to apply for a credit card with capital one bank I got approved The next step was to deposit around {$49.00} to my account. 
Before completing the deposition, The wifi connection interrupted When the connection back, I tried to complete the money deposit to my account but the website push XXXX to start over the application process I did it again but I got rejected O thought there is an error in my information that I submit I tried again ( XXXX time ), I got a rejection When I checked my email I found I received XXXX emails The first XXXX, approved application The other XXXX, declined application I realized that this happened due to repeated application at the same time I followed the link in the email of approved application and I was successfully able to deposit the money and I received a new email that every thing is fine and in progress XXXX days later I received a conformation mail that my application is approved and my card will be issue soon Few days later I received a new email that my card was shipped and I will receive it on XXXX first When I checked my credit report, I found hard inquiry from capital one on XX/XX/2022. 
I found its the same day of my application and I was sure it ls due the accidentally repeated application I contacted the bank XXXX  times, they were unable to help me and they asked me to contact the credit bearu I cant log in to XXXX and XXXX I did a dispute with XXXX but they asked me to contact the bank Attached are the emails I got Please see the dates All on the same day The approval is the first XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: AZ
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:
EXPERIAN is reporting information on XXXX XXXX accounts that are incomplete and inaccurate. I never gave EXPERIAN written consent to report this account on my consumer report. The account details, nature of the dispute, and verification documents are listed in the attachments.

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