BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX XXXX XXXX I applied for the Citi AAdvantage Platinum Select World Elite Mastercard. 
I was denied and the reason given was : " -You have filed for Bankruptcy and your previous account ( s ) with us was included in that filing. 
- The credit privileges on your existing account ( s ) are currently restricted. 
" The consumer reporting agency cited was XXXX. 

I know the bankruptcy cited is incorrect and I contacted XXXX to pull a new current report. There are no bankruptcies on my report. In fact Citi issued me 2 credit cards in the last 2 years without any issues so I am at a loss what they are referring to. 

I am confused as to what they mean by your existing account ( s ) are currently restricted because my current cards are active. 

I have called Citibank and tried to find a means to discuss these issues and get this corrected. I keep being given numbers that lead to an automated system that reads back the decision letter to me and disconnects. 

All efforts to have a representative assist have been futile as they all send me to an automated system or a number that rings for 5 minutes moving from one extension to the next before finally disconnecting. 

The rejection letter states " If you have questions, call us at XXXX or go to Citi.com ''. The number is for the automated system the reads back the rejection decision and hangs up. The Citi.com website has nothing further to share on what can be done. No knowledgeable Customer Reps are available. Everyone I speak to reads off a script. If your question is not on the script they can not help you or will send you to a dead end number. 

I need someone who know how to remedy this to call me as they have made a decision based on erroneous information and are refusing to correct it. I am at the verge of canceling my current Citi accounts and never doing business with them again.

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 2023-08-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax did not fix my my address even I did send letter about old address. I did not live in XXXX WA before and they did not move that address out because they said its address reported from my collection but I never live in XXXX WA. I was living in XXXX during XXXX XXXX, XXXX, and I never lived in XXXX WA . They reported wrong information and they did not remove out. In the past, I did not live in XXXX, and the collection was not belong to me. Equifax did hurt my credit report. Even I did send letter to discourse wrong information, address to me. I need justice. During XXXX, I only lived in XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX They reported wrong about XXXX WA, I never lived in XXXX. They did not remove out XXXX address and the wrong collection. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The sum is {$71.00}. 
I repeatedly filed disputes with Cashapp that were denied repeatedly. The seller on the fake online site never sent confirmation of the order nor have I received the products ordered on XXXX XXXX. Cashapp sites the seller fulfilled their obligation. How, what proof supports a fake website?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, 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:
Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, Equifax, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. 
Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. 
I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. 
Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. 
This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. 
I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. 
Task that you respect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per the FCRA, as a federally protected consumer.

SouthWest Credit Systems is furnishing inaccurate and incorrect information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

Their inaccurate reporting has damaged my livelihood.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS The IRS Clearly defines a charge-off as considered a certificate of indebtedness as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! 


By Definition The IRS and CFR Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says SouthWest Credit Systems is a furnisher of information to a consumer reporting agency. 

XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In conclusion, I have shown them and I have put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. 

Tracking Number : XXXX XXXX XXXX XXXX XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information, specifically my address.

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 2023-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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 wanted to open a depute on one of the amazon transaction since there is a problem with an item I purchased. I called Chase customer service line 4 times, and 4 times bank refused to open a dispute. I asked for a supervisor to assist, but was also denied by a person whos name is " XXXX XXXX ''. Both bank actions violates terms and agreement that I have signed with this bank.

Company response to consumer: In progress
Consumer complaint received 2023-08-08
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 
( d ) Consumer Report ( 1 ) In general. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681ml ; or a communication described in subsection ( o ) or ( x ).

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 2023-06-28
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I requested time to extend the payments because of XXXX issues the renters were not making any payments since the government stated not to pay rent. Therefore, my renters stopped paying rent, which caused me to fall behind on my mortgage. I called US Bank to request a loan modification. At this point they informed me that I didn't have to pay my monthly payments until made arrangements with US Bank. In XX/XX/XXXX I attempted to make payments, however US Bank refused my payments and returned the payment along with a letter stating that until I finished a loan modification with them I would be able to make payments. I went to the US Bank on a monthly basis for XXXX year to make payments but they still refused my payments. I have sent XXXX applications for the loan modifications. In XX/XX/XXXX I received a letter stating that, " The account is brought current '', however on XXXX XXXX I received another letter stating they needed additional documents which I have submitted several times to no avail. I received another letter stating I needed to make a payment of {$3000.00} effective XXXX XX/XX/XXXX. I went to US Bank to set automatic payments but they still keep refusing my payments. All the inaccuracies on their behalf has caused the interest to increase a lot.

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 2023-01-28
Company: EQUIFAX, INC.
State: NV
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: MD
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.

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 2023-08-08
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these a
ccounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ECSI response has been useless. Through this complaint, I request ECSI explain the dispute process for my loan. Exactly explain how I could dispute your false loans without valid MPN? Explain how I can consolidate them to make them federal. Give clear answer or expect a large lawsuit that shuts down all ECSI for all students forever. You can expect both ECSI ( federal + private ) shut down forever. This is last warning for ECSI to give clear answers other than blaming the university.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: ID
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:
Experian is in clear violation of FCRA. This is my XXXX and final demand for deletion. If Experian is unable to successfully resolve this matter, then I intend to file suit in accordance with federal FCRA violations. On XX/XX/2023, a binding release was executed by myself and the other party in the matter. The other party notified Experian that the alleged account was null and void. They also requested deletion from my report. 

I allowed 60 days to pass... Still no deletion. On XX/XX/2023, a subsequent request for deletion was submitted to Experian by the Creditor. The submitted request, again, indicates that there was a reporting error by the creditor and that the account should not appear on my report. 

This has taken over a year to try and resolve. 

Violations include : -Continued negligence and non-compliance in regards to Sections 616 & 617.

-Code 1681 ( a ) ( 4 ).

-Section 611 ( 5 ) ( A ) - Failure to delete information that Experian can not /did not verify.

-Experian 's failure to provide true and correct Validation Documents regarding how the validation was obtained.

-Experian 's failure to provide the name of the individual at Experian who verified the accuracy of the account. 

I'm demanding that all accounts listed in the attached correspondence be immediately deleted from my Experian credit file.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: UT
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/2023 I have sent documentation to Experian to remove inaccurate information from my credit report. On XX/XX/2023 I have received a letter stating the request was not initiated by me therefore the dispute did not take place. This is my 3rd request to have these fraudulent items removed off 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 non-monetary relief