BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-10
Company: CITIBANK, N.A.
State: KS
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:
This is regarding billing dispute XXXX. The merchant was XXXX for {$55.00}. I disputed on XXXX. It states action required by XXXX. On Citibank 's dispute summary page, it reflects action is still required. Citibank supplied a letter through their Notices and Letters stating they were reversing the credit on XX/XX/XXXX. 

I thought I returned this item and was wrong. I didn't respond to the dispute because I assumed Citibank would eventually reverse the charge. They did, although the dispute summary doesn't reflect that the investigation is complete. 

On XX/XX/XXXX, I sent an e-mail to XXXX to let them know it is still reflecting action required no later thanXX/XX/XXXX. They followed up with a letter. 

It is dated XX/XX/XXXX and states on XX/XX/XXXX that they asked me to follow up with them no later than XX/XX/XXXX. 

The problem is the dispute summary is incorrect and the action required date does not match the letter Citibank sent me on XX/XX/XXXX. In addition, there Notices and Letters page states all notifications and letters will be held there for 12 months. There is only one page when there should be more. I had two pages at one point and these documents disappeared. I spoke to a rep with Citibank the other day through their 800 number, and she said the problem has been reported by numerous customers in relation to billing disputes.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: DC
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:
Dear CFPB, The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information The Credit Bureaus did not do this My rights have been violated in the following ways In accordance with the Fair Credit Reporting Act Everything reported has to be 100 % accurate on my credit report The Credit Bureaus claim my account was properly investigated but how is that to be true if the open date is inaccurate, amount of high balance is inaccurate, the date of last active is inaccurate, date of missed payment is inaccurate, payment status is inaccurate, and date last reported is not accurate. 

These violation of my rights are grounds for removal. 

My rights were further violated because 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 non-monetary relief
Consumer complaint received 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to Transunion & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default

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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 non-monetary relief
Consumer complaint received 2022-11-12
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am going through the process of purchasing a home. My lender suggested that I pay this collection off even though it was due to fraudulent activity. I decided to follow that advice and settled the account with Portfolio Recovery Associates even though it was not my debt as I want to own my own home, I settled the account on XX/XX/XXXX and received the attached confirmation. They told me that they would request deletion of the account within 30 days. Fine. BUT instead they update the account with all the credit companies to reflect a balance of XXXX $ and then on XX/XX/XXXX, they reported an balance INCREASE of XXXX . This is the same amount that I paid them ( document attached ). It decreased my credit score by 34 points. I called them on XX/XX/XXXX and could not get through to the disputes department and the general customer service department was unhelpful. I send an email, also attached. I was finally able to speak to someone in the disputes on XX/XX/XXXX and she was also incredibly unhelpful. She told me that they updated with the credit companies on XX/XX/XXXX and had no record of the update done on XX/XX/XXXX. She also tried to convince me that I was mistaken. I told her that I was looking at the report as I spoke to her. Not sure how she could tell me I was mistaken if her system couldn't tell her what had even happened on the XXXX. She said she would forward my complaint to another depart and I should hear back in 72 hours. I do not have 72 hours to wait. They messed up significantly and this problem should be resolved IMMEDIATELY due to their reporting incompetence. A fair resolution would be to request immediate deletion of their account or refund me my money. If I lose my loan funding or have my interest rates increase due to this situation I will be seeking compensation and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: MI
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 XXXX IS POSTING NEGATIVE AND LATE PAYMENTS ON AN ACCOUN T THAT IS CURRENTLY IN LITIGATION DUE TO THE FACT THAT WE HAVE BEEN DEFRAUDED. WE PURCHASED A TRUCK AND WARRANTY FROM XXXX XXXX XXXX AND IT WAS FUNDED BY XXXX XXXX XXXX THE WARRANTY COMPANY REFUSES TO COVER SERVICES THAT ARE UNDER THE CONTRACT THAT THE DEALERSHIP SOLD US. THE BANK CONTINUES TO REPORT LATE CHARGES ON ADD ON SERVICES WE NEVER RECEIVED.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XX/XX/XXXX XXXX BANK NA XX/XX/XXXX -XX/XX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XX/XX/XXXX Account # :XX/XX/XXXX**** - XX/XX/XXXX Account # XXXX - XX/XX/XXXXAccount # XXXX - XX/XX/XXXX Account # XXXX - XX/XX/XXXX Account # XXXX 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.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have contacted Transunion several times in the past 7 months about the unauthorized inquiries on my account. I have contacted each company listed as an inquiry and was told to contact transunion who in turn tells me to contact the company. I have been running in circles disputing, calling, filing report after report with transunion to know avail. XXXX and XXXX have been outstanding in assisting me, yet transunion insists on keeping innaccurate unverifiable information on my credit report. here is the list of the unauthorized transactions that they make impossible to have removed, this affects my financial well being and I have worked extremely hard to pull my credit up the past 2 years. 
XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) 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 2023-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023 and XX/XX/2023 I requested online and by phone Equifax to lift my credit file freeze. Their website incorrectly posts my information as incorrect. Their phone authentication process is difficult and impossible to navigate. Equifax rejected my multiple requests to lift my credit file freeze. I am unable to recall my past credit history because I have a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and need help to unfreeze my file. Equifax did not offer to help me. It's my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: NY
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Mr. Cooper Group Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Concerning Mr. Cooper mortgage company. 

XX/XX/2021 I was notified by XXXX XXXX  via a mobile alert at approximately XXXX my checking account was - {$2900.00}. Noted on my transactions was 2 ACH withdrawals of {$1700.00} XXXX totaling {$3500.00} XXXX from Mr. Cooper mortgage company. I did not authorize these transactions. These transactions were also not listed under my payment activity through Mr. Coopers mobile app. 

I immediately called XXXX XXXX and after 2 phone calls, I was told there was nothing they could do and I was to wait it out ( I have the phone recording ) I attempted to call Mr. Cooper and requested a call back and this never happened. 

I learned of this fraudulent activity through XXXX. Mr. Cooper did not make a statement until later in the day. I received an email at XXXX from them explaining what had happened. 

I also was not notified via Mail that my mortgage was going to increase due to an escrow shortage. I have had this company since XXXX and I am extremely unhappy with their customer service and delayed response to an extraordinary event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I asked Coinbase by email on XX/XX/2021, with whom I had attempted to setup an account on XX/XX/2021, that, " At this point I wish to close my coinbase account ( if it was ever considered open ) and ask that coinbase delete all my personal information it has, including but not limited to all information I provided to coinbase to establish my account. Can you please complete that for me? '' As of XX/XX/2021 Coinbase has still not replied to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: LEXISNEXIS
State: PA
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: Public record information inaccurate

Complaint:
The alleged bankruptcy listed on my public record report is listed with no information the specifies that this bankruptcy belongs to me. Furthermore, the bankruptcy court of Pennsylvania has confirmed they do not share personal information with Any reporting agency. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens MO 281 SW 715, 719. I presume no proof of the alleged bankruptcy, therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Rocket Mortgage, LLC
State: TX
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/2021 I called my current mortgage provider Quicken Loans to seek advice on potential options they might offer for us to re-d our master bathroom. Purely advice and specifically stated I did not want to apply for a loan or run credit inquiry until my wife and I decided what direction we wanted to take and timing. 

On XX/XX/2021 I received an alert from XXXX of a new inquiry. I called Quicken Loans to dispute and they got back to me on XX/XX/2021 essentially not taking responsibility nor acknowledging that I gave them permission to pull the credit inquiry. I even advised them to listen to the recorded call as I specifically told the rep not to pull credit until I was ready. 

I called XXXX  on XX/XX/2021 to dispute the inquiry and they refused to address the issue. They acknowledged that a company could have performed the inquiry without my consent but that they just record the inquiry and can do nothing to resolve. They said this is just the law and they can not do anything to escalate. Even if I want to talk escalate the issue I would not be helped. 

This is an unfair and deceptive practice as a company error hurts individuals while having no repercussion themselves for errors. I now have a decreased credit score due to their negligence and have no way of resolving or disputing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have no received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. Section 611 ( a ), its is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these 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 2019-11-25
Company: Experian Information Solutions 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:
I seen that a company XXXX XXXX XXXX was recently a deliquent account that was added to my credit report as I have no account or connection with this company or affiliates. This is a fraudulent account that is being reported on 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 explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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