BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
To whom it may concern, Two weeks ago on Thursday, XX/XX/XXXX I received a call from Citi saying that after an internal investigation that my claims that you did not change my credit card account to my new account were indeed valid ( after 6 calls sinceXX/XX/XXXX ) in the investigation proved that city was wrong. The fact that after a perfect payment history I was doing a 30 day late hit on my credit reports were most definitely your fault. 

I was apologized to. I have a recording from your company XXXX representative ) who reviewed the recordings stating that my credit would be corrected and I would be issued a fax letter to my mortgage lender as Im in the middle of purchasing a new home. That you were sorry and would immediately correct this error. 

This credit hit is greatly affecting my loan APR and mortgage rate. 

Alas two weeks later no one has sent a fax I called and was on the phone for over 3 1/2 hours yesterday. I was run through XXXX call centers multiple people everybody contradicted everybody. 

I want this issue resolved tomorrow or Im going to get everyone I can involved with this. this problem will not go away. 

CITI messed up and needs to correct the issue as they guaranteed me they would. My mortgage lender is waiting on the faX that you guys promised. half your team says that they cant send a fax after the first three or four people Ive talked to said they would send a fax. again yesterday I was promised another fax the response being 24 to 48 hours. 

Please review my account and fix it accordingly I expect a call from you guys tomorrow XX/XX/2019 Wednesday. 

I close on my house next Wednesday. 

Please review all notes recordings and documentation related to my file. I do not feel like explaining myself one more time. 

Also I need an a mediately correction with all three credit bureaus XXXX, XXXXXXXX, and XXXX XXXX. 

The investigation was complete XX/XX/XXXX that is nine business days ago. I was told 7 to 10 business days tomorrow is your 10th day. 

All late charges and interest accrued due to your air need to be re-compensated to myself. 

Regards, XXXX XXXX XXXX Citi diamond preferred card # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Zions Debt Holdings
State: GA
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX .... violated my rights - XXXX XXXX XXXX XXXX States that I have a right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX .... 
Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Before Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance XXXX XXXX Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 

After Dispute Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Type Charge Card Terms NA On record until XX/XX/XXXX Recent balance Not reported Credit limit or original amount {$300.00} High balance $ 348 Monthly payment {$0.00} Recent payment amount Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status XXXX through Bankruptcy XXXX XXXX. 
Comment Account previously in dispute - investigation complete, reported by data furnisher Reinvestigation information This item was updated from our processing of your dispute in 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 explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: IN
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 tried to send letter to XXXX to remove unauthorized inquires on my credit report. only inquires should be on my credit is actually credit that is open/accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: GA
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 received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX Account # XXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Credit reporting 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 several inquiries on my credict report that was not submitted by me and because of this its affecting my credit score!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
At Laurel Road bank I opened up 1 checking and 2 savings accounts XX/XX/2023. On XX/XX/2023, I opened up my Laurel Road app to verify if 2 transfers ( First transfer amount : {$200.00}, and second transfer amount : {$1000.00} ) I made from XXXXXXXX XXXX either XX/XX/XXXX went through ; but noticed on XX/XX/2023 my Laurel Road accounts are restricted. The restriction states : " Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX for our hearing impaired members. '' I contacted Laurel Road the same day I realized the restriction, gave them all requested information ( assuming I'd gain access to my account afterwards ) ; but they couldn't tell me why my account is restricted and will have to investigate it which may take up to 30 days. I asked if they can escalate the process because I have bills to pay, but they mentioned they can't guarantee I'll gain access to my restricted account before the 30 day investigation. 

After talking with a supervisor at Laurel Road, I was told XXXXXXXX XXXX  put a stop on the transfer which may be the reason why my Laurel Road bank accounts are now restricted. She told me to contact XXXX XXXX to see why they stopped the 2 transfers I submitted. XXXXXXXX XXXX  told me the transfers were stopped because they couldn't verify the bank. I contacted Laurel Road bank again to relate the information received by XXXXXXXX XXXX but they said it's nothing they can do and my account will still be under investigation for up to 30 days. 

I expressed my dissatisfaction with how things were handle : 1. I gave all the information Laurel Road bank needed to verify my identity and gain access which did not help, 2. there was no email/text message sent to me by Laurel Road before restricting my account, and 3. I have bills coming out of the account that won't get paid this week or for 30 days because of the restriction. I've been on the phone with both Laurel Road and XXXX XXXX  for over 2 hours and I really need this to be resolved very soon so I'm not behind on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Alabama Housing Finance Authority
State: WI
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:
Was impacted by a purchasing scam, XXXX " XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX, entered into a lease and purchasing contract, he abandoned my property and cost me over XXXX dollars in payments and stolen property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and stalking over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and stalking reached an all time high and I became XXXX XXXX  unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an Equifax report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: GA
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 am in receipt of the re-investigation results conducted by Equifax, and I am deeply disappointed to find that the results did not include the requested information. This failure to provide the requested information in accordance with 15 U.S. Code 1681i constitutes a violation of the FCRA and is particularly concerning in light of the systemic barriers that XXXX Americans  face in accessing fair and equal credit. The unequal treatment in the credit reporting process exacerbates existing disparities and causes further harm to XXXX American communities. As a consumer reporting agency, you should know the continuous reporting of such inaccuracies is a DIRECT VIOLATION OF THE LAW AND MY RIGHTS AS A CONSUMER! I DEMAND YOU REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT DUE TO INACCURATE REPORTING!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: ProCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am unable to rent an apartment because this company is reporting that I owe {$5000.00}. They have not and will not provide the information of the debt. I was simply going to pay the debt but XXXX XXXX stated that he would not provide me a receipt for the payment if I made a payment. 

A receipt must be provided if a payment is made. I do not owe this debt anyway, but need a place to live due to fire.

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: Self Financial Inc.
State: FL
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 ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: FirstCredit, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received a collection notice from First Credit Inc regarding a medical bill that the Va is suppose to pay since I am a veteran with complete medical to be paid by the va I never received a bill and was assured they would forward this bill to the va in XXXX XXXX to be paid as of todays date the amount of this bill nor a bill was ever sent to me for this amount as far as. I was aware the bill was paid by my insurance and the department of veteran affairs this bill should not have been placed in a collection due to my medical status with the va now they are demanding me to pay an amount that I do not owe nor am I responsible to pay in the amount of {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been on going since XXXX of this year and i believed XXXX had successfully resolved it when i filed with CFPB in XXXX but it seems all the credit bureaus are still reporting it as a mortgage and not a installment loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/23 I filed a claim dispute through Bank of America from merchant XXXX in the amount of {$5300.00}. It's been more than 90 days and the claim has yet to be resolved. It's now XX/XX/XXXX, and I've been getting nothing but a run around to nowhere. Bank of America refuses to resolve the claim and credit the funds into my account. Now my account is overdrawn, and if funds are not deposited in a timely manner, the account will be closed.

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 2023-04-04
Company: Relay Financial (US), Corp.
State: WY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I had a business bank account under my company 's name, XXXX XXXX XXXX, with a financial technology company named Relay Financial, they were providing banking services by their partner bank at that time " XXXX XXXX XXXX XXXX '', things were working good for about 3 months, then I wake up one day, precisely XX/XX/2022, I receive a message that they closed my account for an unknown reason as per them and they said they can't provide details, I asked them if there are any legal contracts or invoices needed, they ignored me, then they said they will send me a disbursement for my funds the full remaining amount of {$37000.00} within 10 days, then they changed their word and said 60 days, then I called them and they said that they are trying to get the money from their partner bank but they still can't, I called XXXX XXXX XXXX XXXXXXXX and they said that the money is being held with Relay Financial and I believe XXXX XXXX XXXX XXXXXXXX, cause I saw many cases for many Financial technology services companies sending disbursements for people while their partner bank was XXXXXXXX XXXX XXXX XXXXXXXX, 120 days passed, I keep calling Relay Financial and they never reply, they never reply emails, calls or anything, a lot of people on trusted websites like XXXX are suffering from the same problem and they never reply anybody, kindly help me to get my money back cause this is called nothing but FRAUD & SCAM! 

I have all proofs on emails documented if any screenshots needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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

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: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX the address associated with my account was changed without my consent or knowledge and without verification ( presumably my online login as well as I cant get into my account online either ). Then from what I have been told there were no less than XXXX charges of {$1.00} or under before I finally get a fraud notice on XXXX, to which i replied that i didnt do those charges as I dont think Ive used this card in at least a month. I call in XXXX ( been really busy as I was recently in a bad collision with a drunk driver ) to try and pay my bill/ review statement and find all this out and that the new card was sent to someone elses address which was probably the whole time and on top of that they want to charge me {$9.00} to pay my bill by phone since icant get into online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE 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:
I have a few accounts on my credit report I do not recognize

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