BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used a CITI credit card to pay the down payment to a XXXXontractor ( XXXX XXXX XXXX ) to work on my house. After the first day it was obvious that he did not know what he was doing. I fired him and instructed CITI card to cancel my down payment ( {$2000.00} ) CITI card decided to do nothing. I am suing the contractor because he presented a false profile and false references on XXXXXXXX XXXX XXXX and did unprofessional work. I am also filing complaints against XXXXXXXX XXXX XXXX because they presented a false profile of this contractor and many false references. The problem with CITI bank is that they did not investigate anything. I am suing XXXX XXXX XXXX  for my {$20000.00} back. I am also pursuing a complaint against XXXXXXXX XXXX XXXX and I want to file a complaint against CITI Bank. They failed to represent me fairly in this case and it is costing me time and money. I want to sue them for that time and money,

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 2021-11-05
Company: We Finance Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has violated my consumer rights by reporting an alleged debt to the credit bureaus, This false information is now affecting the chances of me to obtaining a credit card and affecting my livelihood. I never contracted with XXXX XXXX XXXX. XXXX XXXX XXXX never contacted me. I do not owe this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/XXXX, I called to request a new service from XXXX. But, on XX/XX/XXXX I called to cancel the order since I did not recieve the product. Months later, around XXXX, XXXX, it appeared as a delinquent account with a balance of {$97.00}. On XX/XX/XXXX, I called to solve the issue directly with XXXX. It appeared on their notes that I did called to cancel the order, but they did not do it. Nevertheless, they adjusted the balance to XXXX and notified the undisclosed ( to me ) collection agency. 
The account was pulled out from my credit report, but a year later ( XX/XX/XXXX ) it appeared again as a derogatory account. I filed a dispute with XXXX and before the 30-days investigation period ended and without notification, they closed the dispute and did not solve the problem. They did not inform me of this action. On XX/XX/XXXX, I called XXXX to see what happened but they only said I had to file another dispute, which I did. 
After many calls and tries to XXXX to find the account and any information to supplement the dispute, on XX/XX/XXXX I finally got an answer. The account was archived so that is why it never showed up on calls. The information I was given is as follows : the account was fully cancelled on XX/XX/XXXX, that the balance was adjusted to {$0.00} and that it was reported to the collection agencies, and that the collections agency should have reported this in at least 90 days. But a year after, they reported it as derogatory. There is nothing XXXX can do according to the call since they reported it and it's the collection agency 's fault. But I was not informed which collection agency or how to contact it, and that they canno provide any deletion letter or any other documentation since the account is archived. 
The only thing left is to file complaints and supply letters with information I have collected through this year as evidence. This process has already affected me emotionally and economically since I was denied personal loans offers by two companies and can not apply to others with credit score minimum requirements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Bread Financial Holdings, Inc.
State: PA
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:
Purchased what I thought were 2 extra small white tank tops. The person gave me a large so I had to return to the store to get the extra small they did not have in white so I was given black when I needed white. Victoria secret XXXX XXXX XXXX XXXX pa

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: World Omni Financial Corp.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting SETF/WOFC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: SC
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 following accounts have violated my rights. 
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  15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Williams & Fudge, Inc
State: SD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had attempted to make a payment online, realized I paid the wrong amount, so I called they said they couldn't get online to cancel it I had to go through my bank. Went through my bank to cancel it. They said they would call me back the next day. No one called. 2 days later they send an email. So I immediately call. He said my manager listened on our call and was able to stop the payment then proceded to tell me how much they took out. I said you never called me back to get my consent on that amount and I didn't have that amount. I asked to speak to a manager who yelled at me and told me since I put my information online that they can take out whatever they want. I said that has to be illegal. He said no, he screamed at me said I'm not a customer and im not gon na tell him what to do. I asked if I can hear the recording. He said he would email it and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving a phone call from XXXX XXXX XXXX  and them saying I owed an estimated {$3500.00} for a credit card I told the person I never had a credit card with them with that limit. 
I do have a current credit card in good standing with XXXX XXXX but with a different account number and credit limit. I asked that they mail me verification that this account was mine. I then went to XXXX XXXX and saw that this was reporting as negative on my credit so I disputed through XXXX XXXX. XXXX XXXX had an address that was not mine and other false information on file. I received another call to collect the debt and discussed with this representative that this was not my account, in fact the address that they had on file was a non-existent address- a quick XXXX XXXX showed that the street name they had did not even exist in my city. The representative asked for my mailing address so they could send the information I was requesting so I gave it to her. After a couple of months this account was turned over to Portfolio Recovery Assoc. with an updated address that was actually mine so that when I disputed the account again it came back as " all accurate information '' when in fact the only reason they had my accurate information was because they had recently updated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with XXXX college on XX/XX/2019, not only it was cancel but they removed the {$1000.00} and change it to {$260.00}. I was told from two reps that they were going to forward the updated amount of {$260.00} to XXXX XXXX, however Ability recovery is refusing to honor the amount from XXXX college. Also I disputed the information with XXXX, XXXX can back saying that the amount was updated. but it still showing the amount of {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XXXX XXXX, XXXX, I clearly requested to this company to validate the account they are reporting. Attached herewith is a copy of the letter I sent this company. XXXX responded and sent me an " FTC AFFIDAVIT ''. Please see an attached copy or what XXXX sent me. I DID NOT receive any validation document. I believe they responded to my letter to make it look like they complied with the law. But sending me this document just made it worse. What they sent me is not a validation document which is required by FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
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 never requested to have a consumer statement put on my credit file with Equifax. I've called and disputed this on numerous occasions to get this consumer statement removed from my Equifax credit file. After each dispute, I would get an email stating that my dispute is complete and that the consumer statement has been removed. I go to check my credit file the next day and it is still there. I last called on XX/XX/XXXX to try and dispute it again and they told me it would take 30 days to be removed. It is now XX/XX/XXXX and the consumer statement is still on my credit report. This is the confirmation number that I was given by Equifax XXXX. I have been disputing this consumer statement for over 3 years now. This is what the consumer statement says '' CREDIT KARMA IS REPORTING MY BALANCE INCREASED BY {$2.00} WHICH SHOWING AN OUTSTANDING BALANCE OF {$19000.00} AND THE CORRECT BALANCE PER XXXX IS {>= $1,000,000} I? VE CONTACTED XXXX AND THEY SENT ME A LETTER OF WHAT? S BEEN REPORTED AND THE CURRENT BALANCE SHOULD BE {>= $1,000,000} '' This consumer statement is irrelevant and it does not need to be on my report. It was placed on my report on XX/XX/XXXX. How hard is it to remove a consumer statement that I never requested to have added.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: CITIBANK, N.A.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Citi Bank N.A, to XXXX, XXXX  and XXXX. I discovered 12 Errors on Each report. Which indicates that Citi Bank N.A. broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent to letters on Citi Bank N.A. via Certified US Mail, inquiring about the loans reported to my XXXX and two letter XX/XX/2019inquiring about the loan on my XXXX. They responded XX/XX/2019 Informing me that there were three loans, ( XXXX, XXXX, and XXXX ) that they were responsible for reporting on. I myself only discovered two loans reported to XXXX  and XXXX. What and where did this loan third loan come from and what is the information on it. They seem to very secretive. I wrote XXXX and XXXX  but certified Us Mail With Retuned Receipts on XX/XX/2019. These accounts have been removed from my credit since they were brought and consolidated. They need to be held accountable for breaking the laws.

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 2022-05-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Opened CareCredit account was automatically signed up for 'card security ' ( XXXX ) which charged ~ {$56.00} plus interest charge of {$2.00} per month. If this was not noticed and addressed these charges would have continued.

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 2020-05-22
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:
My identity was stolen and used

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 2022-05-03
Company: Experian Information Solutions Inc.
State: OH
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:
HERE ARE THE OTHER COMPANIES THAT ARE SHOWING AS HARD INQUIRIES ERRONEOUSLY ON MY CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2017-06-29
Company: Bull City Financial Solutions, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received bills from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) on a procedure that my son had in XX/XX/XXXX. It takes sometimes 4 months to go through my insurance XXXX before they pay and then i get billed. I did not start receiving bills until toward the end of XX/XX/XXXX. When i received the bills i sent in a payment with a letter stating that i could only pay {$10.00} a month towards these bills at this time which the payments i sent in were for around $ 20ish dollars. They called and said i had to pay more than {$10.00} a month or they would turn me into collections. I told them to do what they needed to do but they can not bully me in to paying more than what i can afford. They still cashed my check and is turned me into collections. Collection agency called me. I told them i have been making payments. Not what they want but what i can afford. I have other medical that i am paying on in addition to my own medical needs. Bull City Collection Agency called today wanting to know if i could pay them off. Then asked for my son date of birth and was like so he is XXXX. He is not XXXX he is only XXXX. Like they are going to go after my minor child for a bill that i am responsible for and i am making payments on. So i called XXXX XXXX XXXX back and said if you want paid pull this account out of collections. I feel like Bull City asking if my son is XXXX like they are going to try and go after my son. i told Bull City i  am making payments on these accounts. They are ridiculous. My husband is a XXXX veteran. We do our best and can only pay what we can pay and i pay the medical. I never hid from the companies. i tried calling and making arrangements. They are wasting their money on collections agencies when im not going to give them any more than what i was and able to give. So my reward for paying what i can is it to affect my credit report negatively. Considering that i did not receive the final bills after my insurance paid until towards the end of XX/XX/XXXX and i still made a payment of what i could afford at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MO
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 following accounts are in dispute : XXXX XXXX XXXXXXXX Account # xxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX Account # xxxxxxxxxxxxx XXXX, US BANKRUPTCY XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation