BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXXXXXX is reporting a debt on my account for a collection that is inaccurate. 
It also has incorrect information reporting. 
The amount is XXXX $ and XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: John C. Heath, Attorney at Law, PLLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I believe I am the victim of identity theft. I am a single mother, and trying to fix my credit score. Please let me know how I can

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-13
Company: Sequium Asset Solutions, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Getting harassed by XXXX different collection agencies over a soon to be ex wife 's and mother in law 's XXXX XXXX XXXX  phone bill. first time was disputed back in XXXX XXXX today XXXX I received a letter from Sequium Asst Solutions LLC over the same phone bill. on there letter states on XXXX they are looking for {$1500.00} for a back XXXX XXXX XXXX  bill from my soon to be ex wife and her mother. I called the company. all the person wanted was money and demanded me to pay it buy XXXX. Didn't care why or how the bill was in collects to begin with. All the person wanted to was to reduce the bill to {$1200.00}. i am still fighting to get this bill and others but I am waiting for the courts to sort everything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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: Account information incorrect

Complaint:
XXXX XXXX  XXXX balance {$2400.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX/XXXX XXXX Balance {$1300.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX/XXXX XXXX Balance {$1400.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} - Delinquencies and Late payments after closed accounts, please delete this 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 2022-12-19
Company: EQUIFAX, INC.
State: CT
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 call from a someone claiming to be XXXX XXXX who used an old phone number I do not use to convince me they were XXXX XXXX and that they wanted to give me an additional line of credit or loan, by the time I realized these people were not XXXX XXXX it was too late. 

I called XXXX XXXX and confirmed that XXXX did not perform a hard inquiry nor did they offer me a new line of credit or loan, their fraud and security division told me to notify the police and the credit bureaus. I was told that when contacted XXXX would confirm that they did not call me or make a hard inquiry on my credit file. 

I reported what occurred to in the town the incident occurred in XXXX XXXX, CT police department case # XXXX I also opened a dispute on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: AL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX {$350.00} XXXX In XXXX ) I never used a single day of these XXXX XXXX service due to the governmental orders to shut down all gyms and non essential businesses. 
I contacted bank of America in XXXX because XXXX  XXXX headquarters shut down their phone service due to covid and I tried to contact them exhaustedly until I gave up. But Bank of America Rep kept insisted on telling me to contact XXXX  XXXX  headquarter with the phone number of merchant showed on my statement under those charges. And that was the one that was not in service during the shutdown that those charges recurrence. 
I had to battle through my credit cards right till the Rep agreed on the facts that those charges were impossible to question further because it is " governmental orders to shut down '' unless XXXX XXXXXXXX was breaking the law trying to sneak their members inside during that periods which I theoretically suggested to Bank of America Rep. Luckily he came to his common sense and disputed my case and said he'll reversed all the charges and make sure no future charges from XXXX  XXXX. 
Boa statement of XX/XX/XXXX : Transaction date XX/XX/XXXX Posting date XX/XX/XXXX Boa/XXXX XXXX  return of -39.99 $ And that was the only single charges that i got back out of all the one listed above. 

And until last month XX/XX/XXXX, XXXX XXXX charges again 2 more for 39.99 $ and 29.99 $! 
I contacted BOA immediately while those Charges were still pending. I requested the Rep to look back in XXXX statement and record showing I did all required steps to solve this and it cant be charging me again randomly after a while. I still not get all my money back and now they can just go ahead and charge while you are my banker who supposed to protect me as a client but open the door again for the same guy that robbed me more than twice. She said '' they can change their name as a merchant and charge you again, they do that all the time every new year with their old customer profiles ''! 
I said then it don't matter to you if it was few hundred dollars or few million dollars according to what she just said. I was very disappointed and felt like i both got scammed by BOA and XXXX XXXXXXXX at the same time as a consumer. Plus I has been with BOA since XXXX. 
Please help! Thank you very much!

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 2022-04-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 15 U.S.C 1681 b

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 2023-12-13
Company: U.S. BANCORP
State: ID
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:
Charges from XXXX began appearing on my XXXX credit card. I have since learned that one of the charges may be a subscription. I do not, and have NEVER, had a XXXX subscription that I knowingly signed up for. There have been other, larger charges too. US Bank has been very good at blocking the charges, refunding the charges to my account, and EACH TIME THEY CANCEL MY CREDIT CARD AND REISSUE ANOTHER CARD. This has happened four times. I am now on my 5th card because of this issue. I have spent hours on the phone, in person and on the internet with US Bank and XXXX. I have not been able to crack the XXXX code to find what they are billing me for. You can not resolve this issue on the phone. A recording directs you to their website. You have to have an account number and must sign on with the device you used to set up the account. I have neither of these. US Bank has advised me that when XXXX closes a credit card, they give the new, re-issued credit card number to XXXX and that's why new XXXX charges appear even though I have closed my credit card. US Bank has told me there is nothing else they can do. How can this be cost effective to US Bank. Do they not garner fees from this credit card. How do I get these charges to stop and how can I prevent XXXX from giving out my new credit card number? How many people does XXXX scam like this??

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 2023-03-10
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: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 XXXXXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have held a coin base account for several years now and continued to comply with their TOS the entire time. In particular I even re-upped my KYC requirements prior to tax season these past few weeks. 

On XX/XX/23 I transferred my XXXX XXXX holdings from a separate wallet to the Coinbase wallet and waiting for the funds to make their way there. This morning, XX/XX/23, as the funds showed up in full on the balance, I initiated converting some of the bitcoin cash into ethereum, which was successfully done. When take the XXXX to the other wallet I own ( i.e., off-site from coin base ), my account was blocked. 

No notifications were given for the blocking and all the follow up steps listed on their website continues to say the account was blocked and every usual troubleshoot requires I can access the account in some ways. It is a circle of wanting codes and sign ins to progress in recovering the account that I am unable to initiate because its blocked from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 XXXX XXXX  ACCT # 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 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 2022-12-19
Company: Experian Information Solutions Inc.
State: LA
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-12-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXX accounts 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 an account without my written instructions. 


XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXXalance {$500.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Original creditoXXXX XXXX XXXX Balance {$100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditoXXXX XXXX XXXX Balance {$320.00} Balance updated XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$1000.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1000.00} Balance updated XX/XX/ XXXX  XXXX XXXX Original creditor XXXX XXXX 
Balance {$220.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXX Original creditor XXXX XXXX Balance {$100.00} Balance updated XX/XX/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 2022-12-19
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is for XXXX XXXX XXXX. They call me constantly and I keep my phone on silent all the time now missing important calls. Ive tried blocking every number but it doesnt matter they will just call from different numbers. I told someone awhile ago to stop calling as I am XXXX but dont get XXXX because its a XXXX XXXX thats hard to prove. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He has a daughter and XXXX XXXX XXXX XXXX. I cant work so I cant pay anything towards this. Theres nothing I can do.

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 2023-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Dear CFPB, I am writing to submit a formal complaint regarding my recent mortgage experience, which has left me deeply dissatisfied and concerned. The issues I encountered relate to Citizens and their handling of my mortgage application and closing process. 

Unexpected Payment Increase : On the day of the mortgage closing, approximately an hour and a half into the process, I was informed that my mortgage payment was going to increase by over {$400.00} per month. This unforeseen and substantial increase was both shocking and distressing, especially after going through a nearly four-month mortgage application process. At no point during this extensive period was I made aware that such a significant change in my monthly payment was even a possibility. 

Lack of Transparency : I was clear from the beginning about my budget and financial constraints. This increase came as a complete surprise and left me feeling deceived and uninformed. Had I been aware of this possibility in advance, I would have explored other lenders and their offers to make the most informed and responsible decision regarding my mortgage. I was presented with a mortgage only option and encouraged to stop shopping to avoid losing out on a lower rate that fit into my budget. 

I am seeking your assistance in addressing these issues and ensuring that my rights as a consumer are protected. I request a thorough investigation into the practices of Citizens and that appropriate actions are taken to rectify the situation. I would like to explore potential solutions that align with the original terms and my budget. 

I trust that the CFPB will take my concerns seriously and work toward a resolution that upholds the principles of transparency and integrity in lending. Your prompt attention to this matter is greatly appreciated. 

If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation