BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im  XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: IL
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 requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus.
 XXXX  reported they used a 3rd party to verify the information which is   XXXX   XXXX  . I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information 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 2022-07-08
Company: CITIBANK, N.A.
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:
Ive been trying to use my XXXXXXXX XXXX card all morning today XXXX to no avail. I called customer service XXXX  times, and I found the number for executive office. Nobody could help me. They said in order to verify my account they have to send a letter to my house that takes 7-10 business days. What the XXXX is that? I need to use my account today. You have all my info. Name. Date of birth. Number. Social. How is sending a letter to my house going to verify anything? I would like for the Consumer Financial Protection Bureau to publish this so people know Citi is horrible as a bank and wont even let you use your own card.

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 2020-11-12
Company: American Credit Acceptance, LLC
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on American Cr ACPT for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received a call from XXXX saying my XXXX ID, and subsequently the apps on my phone, had been compromised. I was told that there were some suspicious charges to my accounts and that we would need to reset my passwords to prevent further fraud. The person on the phone had remote access to my computer and went through various " security precautions '' to prove it really was XXXX on the line, so I believed them. They told me there were fraudulent attempts specifically with XXXX XXXX, XXXX and XXXX, and that they would help me set up two-factor authorization to improve my account security on the back end. Following our call I called XXXX back to verify if I had actually been speaking with one of their employees and they told me it was not - they would never initiate a call unless requested by the customer. 

That's when I checked my bank account and saw the following charges : XXXX - {$500.00} XXXX  - {$490.00} XXXX - {$100.00} I believe there were other charges but they were declined as my account did not have sufficient funds. 

I called Bank of America immediately to report this and they told me they were opening a claim to investigate. In the meantime, they posted a credit to my account in the amount stolen. 

In XXXX I received a letter from Bank of America saying my claim was denied and that the funds would be removed from my account. I called them immediately saying this was unacceptable as I was the victim of a crime, and the person I spoke with said they would re-open the claim to investigate further. To my surprise, the funds were still removed from my account on XX/XX/XXXX. This wiped the little I had in my accounts, leaving me with a balance of - {$930.00} in Checking and {$0.00} in Savings. My next pay day would not follow for 8 days, so I called Bank of America immediately that day and spoke with several people for over an hour. They said they were still looking into the claim but would not be able to post a credit to my account as it had been rejected the first time. They also told me the claim had been rejected as this was considered a phishing scam, not fraud. They told me it would take 45 days to re-review my claim and there is no guarantee that it will be approved then, and I may not get my money back.

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 2022-02-27
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date, XX/XX/2017 company opened a collection. 
Account # XXXX {$190.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
REFERENCE : ACCOUNT FOR XXXX XXXX XXXX Best Buy ( TM ) Credit Card XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX TO WHOM IT MAY CONCERN : TWENTY MONTHS AGO MY WIFE AND I BOUGHT A DRYER AND WERE ASKED IF WE WOULD LIKE TO USE THE 18 MONTH NO INTEREST PROGRAM. WE WERE APPROVED AND BEGAN MAKING OUR PAYMENTS. OVER THE NEXT FEW MONTHS WE MADE SEVERAL PURCHASES UNDER THIS LINE OF CREDIT. WE CONTINUED TO MAKE OUR PAYMENTS WITH THE IMPRESSION THAT WE WERE PAYING OFF THE PREFERRED DEBT. OUR PAYMENTS WERE ALWAYS ON TIME AND MANY TIMES MORE THAN THE MINIMUM DUE. WE ENROLLED IN AUTOMATIC BILL PAY AND AUTO DRAFT AS WELL. STILL THINKING THAT WE WERE ON SCHEDULE TO PAY OFF THE PREFERRED DEBT. LITTLE DID WE KNOW THAT THE PAYMENTS THAT WERE MADE WERE NOT GOING TO PAY OFF THE DRYER, THEY WERE APPLIED TO THE OTHER PURCHASES. THIS WAS NEVER EXPLAINED TO US UNTIL I NOTICED OUR BALANCE WENT UP BY {$700.00}. THIS WAS THE INTEREST CHARGE THAT WAS PLACED ON THE ACCOUNT BECAUSE WE FAILED TO PAY OFF THE DRYER. I REACHED OUT TO BEST BUY CUSTOMER SERVICE AND SPOKE TO XXXX DIFFERENT LEVELS OF MANAGEMENT AND THEY EXPLAINED HOW SORRY THEY WERE THAT WE DID NOT UNDERSTAND THE PROGRAM BUT THAT NOTHING COULD BE DONE. THE WHOLE TIME WE THOUGHT WE WERE PAYING OFF THE DRYER, WE PAID NO MORE THAN {$240.00} OF THE ORIGINAL BALANCE. WE HAVE THE MEANS TO PAY THE BALANCE OFF AND WOULD LIKE THAT OPPORTUNITY TO DO SO WITHOUT THE INTEREST CHARGE, THAT IN MY MIND WAS DECEPTIVELY PUT ON THE STATEMENT. IN ORDER TO RESOLVE THIS MATTER, I REQUEST THAT SOMEONE CONTACT ME AS SOON AS POSSIBLE SO THAT NO FURTHER ACTION NEEDS TO BE TAKEN. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX 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 2022-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
In XX/XX/2021 we contacted XXXX stating we noticed charges on our credit card statement that we did not purchase from XXXX. XXXX acknowledge in writing on XX/XX/2021 to XXXX XXXX that " I was able to find the charges on another customer 's account for {$3700.00} but, for security purposes, I am unable to share the details with you. If you still do not recognize these charges, please dispute the charges with your bank. To avoid any additional charges, I also recommend asking your bank about the possibility of having the card reissued. Also, none of these purchases were related to your XXXX account or address ( es ) listed in your account ''. 
XXXX contacted Bank of America an a new card was reissued. Old card ended is XXXX. Also disputed the charges multiply times and Bank of America always responded in writing " As you requested, we completed a re-evaluation of your credit card dispute {$3700.00} - unfortunately, our decision to decline your fraud clam for this transaction ( s ) hasn't changed. '' We have disputed this many, many times including sending a police report and a copy of the XXXX email stating they were not our changes and still Bank of America declines the claims. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 monetary relief
Consumer complaint received 2022-07-08
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXXXXXX 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 2019-05-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reported this to you and to Equifax that they have an address in XXXX XXXX on my credit report and I have never lived there. I want this address removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Professional Debt Mediation, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Professional Debt Mediation contacted me today about an account that I am not responsible for. The guy whom I spoke with was very rude and very unprofessional. I tired to explain to him that the property   XXXX   XXXX   I never stayed in. However, I did apply but my credit was never ran and the property manager   XXXX   XXXX   advised me that I had nothing to worry about because he did n't run my credit and asked that I paid him {$390.00} under the table in order for him to approve my application without running my credit. So, today I get a call about an unpaid balance of {$1500.00} that I know I do n't owe. I advised the guy to cease and desist he still proceeds to collect information. I called back to get the company name and some guy refused to tell me the name other than PDM, I asked several times the meaning he refused and hung up on me, unprofessional. I will be seeking an attorney, and I will file a suit against Professional Debt Mediation along with   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 explanation
Consumer complaint received 2022-02-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
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:
Two Issues With Toyota Toyota Financial Services/Leasing with No Resolution To Date ( 3 years and counting ) 1 ) Toyota Financial Services/Leasing has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. TFS/Leasing misapplied pymts to my taxes/ hov fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.

2 ) With my lease, I have a hov pass in my car. When hov fined me for tolls I paid my hov tolls directly to hov va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent Lexus confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for hov tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX I am asking for all of these inquiries to be removed from my credit report because they were not made by me nor did I give any of these companies pemrission to run my 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 2016-01-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father recently granted me Uniform Statutory Form Power of Attorney, California Probate Code Section 4401, noting further within the Power of Attorney Document that I " shall have the power to act on my behalf in my capacity as Trustee/Trustor of The XXXX Family Trust Dated XXXX XXXX, XXXX '' While this document was immediately honored by XXXX XXXX XXXX with whom my father also banks, CITIBANK has refused to do so. Instead, they have cited the need to have my father personally enter the branch and fill -- out additional forms that I believe to be exclusive to CITIBANK and wholly unnecessary if not illegal. My Father is away until XXXX XXXX and it is therefore impossible for him to appear. 

Currently my father has XXXX separate checking accounts with CITI BANK ; a joint checking account with my mother who is deceased and an account in the name of the family trust. I have placed several phone calls with XXXX separate branches in an effort to resolve this matter but to no avail. Moreover, I have been denied access to speak directly to the CITIBANK 'S legal department and have been, instead, directed to speak only to branch officials. 

I would like to know under what authority does CITIBANK have the right to act in this manner and why XXXX institution, in this case XXXX XXXX XXXX, had no issues with power of attorney while CITIBANK continues to put forth obstacles for granting my father 's wishes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a American exspressDelta sky miles credit card XX/XX/XXXX online.The advertisement said apply and receive XXXX Delta sky miles if {$3000.00} in purchases are made in the first 90 days of card activation.I received card and activated card and made over {$3000.00} in purchases inrequired time. I inquired when the bonus miles would be added to my account many times. after 2 months I was told the miles would not be given as I had had this offer before. I believe the card should not have been issued if I wasn't elgible.I was notified of this XX/XX/XXXX. 
my attourney sent a letter to American exspress XX/XX/XXXX requesting the bonus miles be put into my account they refused.Now I look to cfpb for HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have been disputing since the beginning of XX/XX/2020. I received a copy of my credit report and found the following account to still be reporting inaccurately after your investigation. The accounts you are reporting is identified as a ( charge-off or collection ) yet you continue report past due balance. It would be impossible for me to default on payments after the fact. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being. Both Accounts are paid off still reporting past due.. 

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 explanation
Consumer complaint received 2016-04-18
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving calls at my work phone # from Southwest Credit, for someone I do not know. The phone calls are all from Southwest Credit and are intended for someone else. However, I am not this person. I would like these phone calls to stop and I prefer not to have to spend a lot of my workday doing this. Currently I receive approximately XXXX calls per day.

Company response to consumer: Closed