BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-15
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, I lost my credit card so I called CITI to order a replacement card, then I was told to wait for 7-10 business days. But after 2 weeks, I did not receive my card, I made several phone calls then, every service representative had their own version, a supervisor even told me to wait for 3 weeks because the card was requested to send to my foreign address ( I am asking them to send the card to my XXXX address because I am studying abroad for this year ) Then on XX/XX/XXXX, a representative said she would issue a new card and should have received it in 7 days, after the time, I called them again, and another guy said no one had ever issued a new card for me. They just kept me wait again and again with even no updates. 

Later, on XX/XX/XXXX, someone canceled the previous two accounts and claimed to issue a new account, and again told me to wait for 10 business days. The card was sent on XX/XX/XXXX according to their statementI still received nothing till now. 

There are a couple of points I feel angry : 1. The last time I called them was on XX/XX/XXXX, they stated that because I am currently abroad, not in the U.S. they could not send me a card, but actually I requested on last XXXX and XXXX due to card stolen, they did send a card to me in 5 days. Why this time it would be such a problem? 

2. I called several times, no one has ever tried to help me with the issue. I understand they need to confirm with my identity with the phone number on file or other info. but I explained a lot that I am not in the states I could not use that number, so I always provided the account number which used to pay for the credit card to finish the confirmation process. Why this time they could not do like this? 

3. Nothing has ever sent to me like the tracking number and the card updates, they just keep me waiting for almost 2 months with no explanation. I don't want to hear '' I am sorry but there is nothing I can do with '' anymore, because it means Citi group does not have the ability to solve a problem, even not a big one. What's more, when I tried to calm down myself and not lose my temper, they always are impatient to me. 

4. For the last time when they issued a new card on XX/XX/XXXX, I got a mail from Citi on XX/XX/XXXX said my account had been approved and I would soon receive my card. So there is not possible to attribute their fault to the delivery company because the address is correct and I can receive mail from Citi. I am really tired of hearing excuses 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 explanation
Consumer complaint received 2023-11-25
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Binance.us restricted USD withdrawal and charges hefty conversion rates/fees on deposit of USD to convert to USDT. One can not buy assets using USD, there is no USD paired assets on Binance.us thus it is forceful to convert USD to USDT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: LEXISNEXIS
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:
I have requested for the method of verification and proof on the accounts that were reflecting on my credit report that were incorrect and erroneous but no proof and response provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Reporting company used your report improperly

Complaint:
On XXXX XXXX There was a new account ( XXXX XXXX XXXX XXXX ) reported to all three bureaus I have no recollection of this account opening and reporting as a Personal account. acoount has been closed with XXXX XXXX and I would like to have account removed completely off 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
Consumer complaint received 2021-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America and XXXX XXXX have closed my checking accounts. 
They say because of XXXX  transactions. I know is because of XXXX. And they are investigating why. They will not tell me details. 
But i already know the reason why. This is a fraud situation and someone used my account and a complaint was made for a transaction to be returned through XXXX. How can i return the money when it was not my money but the fraudulent persons? He was using my account. All i want is a new bank account and this off my record. 
The man has admitted he was using my accounts as an identity theft situation. I have proof of this. Because of my accounts being closed it is ruining my way of life. I need a bank account of my own to survive and no one is telling me if im able to open one again. I already reported this to the police. 

This hacker was in XXXX. XXXX showed me the access he had and I deleted it all. He was pretending to be my friend and it was all fake.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 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 non-monetary relief
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.

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 2021-03-22
Company: EQUIFAX, 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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
well its a little over a year ive been having this problem..i make my payments monthly and havent missed any..company says im behind like on 3 payments, interest keeps going higher, have late fees..i always tell them that im making my payments and have prove..they say that i only have paid like XXXX for principal..when i have paid over XXXX already..

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 2023-06-27
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have sent over several disputes to XXXX, Transunion, and XXXX in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Bankruptcy Court does not report information regarding bankruptcy cases to any credit bureau, including Equifax, XXXX, and XXXX, and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I was looking over my credit report recently and found a bankruptcy and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. 


XXXX XXXX  BANKRUPTCY, Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

According to the FCRA : I may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: WELLS FARGO & COMPANY
State: OH
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 paid off Wells Fargo account by transferring account to different lender on XX/XX/2021. My Wells Fargo account ( XXXX ) is non existent when I try to reach Wells Fargo by email or on-line but remains open in credit inquiry by transunion and one other. I would like loan balance removed from my credit scores. I switched lenders due to Wells Fargo poor business practices.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized accounts listed on my credit report that I have no knowledge or consent. I am a victim of Identity theft.

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 2021-03-22
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: Information belongs to someone else

Complaint:
Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the experian, XXXX and XXXX regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you

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 2021-11-11
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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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 2023-01-03
Company: Experian Information Solutions Inc.
State: SC
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 2021-11-19
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Noticed today XX/XX/2021, on my credit report. Again, Southwest Credit System has placed a statement status as saying, " {$120.00} balance, Seriously past due/assigned to attorney, collection agency, or credit grantors internal collection department. '' Again, do not know this company. 

SWC needs to speak with the Original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 I spoke to a representative of and applied for a home loan through XXXX XXXX when the bank went to run a credit check on me they said that there must be a freeze in place from at least one of the 3 main credit agencies, I never requested a freeze from any of them though so this should not be the case anyway. I checked with XXXX and XXXX  both of which were really simple and easy and I was able to verify that there was no freeze from either of them. When I checked with Equifax even after multiple attempts they claim they were unable to verify me through their website even though the other 2 agencies worked just fine with the same information ( ss number, addresses both current and former, name, DoB ) and I was prompted to call their number. I did this multiple times both on XX/XX/2021 and XX/XX/2021 and I each time had to go through an automated system to enter in the same information that I already gave them again only to be again told I was unable to be verified. I then each time got on the phone with an actual person who again asked for the same info only to again tell me that they could not find a file on me and that If I want this resolved I need to fax or mail them copies of my social security card, state id and a form with other personal info. This does not seem like to should be necessary nor does it seem secure and seems to be a very irresponsible way to get peoples personal information. I also do not see how this can help them verify me when all those documents would just have the same information I have already given them multiple times. Them holding up this process by claiming they can not verify me when none of the other agencies had issues is keeping me from buying a home and putting my life on hold. And the way they want me to send them my information ( that I've already given them ) is insecure and irresponsible. And this is all for a freeze that I never even requested in the first place.

Company response to consumer: Closed with explanation