BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the first week of XXXX of this year, I received an email from Macy 's to review my purchases made last month, however, I have not made any purchases since XXXX of XXXX, because I only use the card when my family is visiting me from my country. Multiple purchases were made on XX/XX/, in different locations totaling {$1500.00}, purchases of {$450.00} in XXXX XXXX, one of {$780.00} in XXXX XXXX, and another purchase of {$280.00} in the XXXX all on the same day. I haven't had my Macys card since I took my car on XX/XX/, to a car wash in XXXX, California. When I noticed these purchases I immediately called Macy 's to report fraud because I did not get any fraud alert of multiple charges being made nor did I make them myself. For 4 months I had to wait for Macy 's to get back to me, meanwhile also having to be responsible for paying a higher minimum monthly payment because my total balance was past its limits, I was furious because I was being made responsible for making these payments on a balance that is incorrect because of the fraud that was committed. Afterward, I received notice that my claim was denied because the person who made it, made it incorrectly, this XXXX I called and re-filed a claim for fraud because I did not want to be made responsible for such a high balance I was not responsible for. And now on XX/XX/, my claim was denied due to insufficient information, and now it is affecting my credit but also my livelihood because I work hard for my money and struggle financially. It hurts to see that his company did not send any notice to make sure I was responsible for these purchases and normally when you purchase an item in person using the store credit card they check ID in person. I need to report that this is a violation of my rights as a consumer because i am not being assisted with the proper help I require as a loyal customer that I have been for years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
1. My loan was sold/transferred to a new loan servicer effective XX/XX/2023 2. I made a monthly payment to OLD loan servicer on XX/XX/2023 for payment due XX/XX/2023, per directions on Notice of Service Transfer 3. This payment included interest from XXXX plus principal 4. Loan service was transferred XX/XX/2023 5. I sold house and escrow closed XX/XX/2023 escrow received Pay-Off demand from new loan servicer charging me interest from XXXX and a principal amount that did NOT include payment of XX/XX/2023. 
6. I contacted NEW loan servicer and they claimed they never received funds from my payment of XX/XX/2023. 
7. I contacted OLD loan servicer and they claimed they wired funds representing my XX/XX/2023 payment to NEW loan servicer. 
8. I re-contacted the NEW loan servicer, they claimed they returned the XX/XX/2023 to the OLD loan servicer. 

Both servicers claim the other has the funds and I must contact them. Both servicers tell me different and contradictory information each time I contact them. 
I have contacted both of them at least XXXX time over the last XXXX weeks, and filed requests online -per their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I have recently come to the conclusion that I have been victimized by the work from home online business scam. Since the beginning of this year, I have been contacted by unsolicited telemarketing phone calls by companies offering profitable at home online business.It has been a mess. After I signed up with the first company it has been non stop, companies calling me and offering me online related services. I did not make any money. I have allowed more than enough time to pass so they could refund me. I have come to the realization that they took advantage of me. Also they never provided me any services. I would like to dispute a charge with my Sears card ( CitiBank ) of {$2000.00} charged by XXXX on XX/XX/XXXX2016.

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 2020-10-21
Company: EQUIFAX, INC.
State: AL
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of 2020, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/2020, XXXX  shows XX/XX/2020 and XXXX  has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 US Code 1681E Compliance Procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information 15 U.S.C 1681i ( 1 ) Reinvestigation required; ( 2 ) Prompt notice of dispute to furnisher of information ; ( 3 ) Determination that dispute is frivolous or irrelevant and 15 U.S.C 1681b Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to Evidence of inaccurate information see attachment :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I used a Barclaycard 0 % interest convenience check to pay off a balance from my XXXX card. I followed all the rules regarding the offer, however Barclay 's charged {$230.00} balance transfer fee, and then charged {$370.00} in interest charges. The offer was 0 % interest until XX/XX/. Barclay 's refused to refund me the interest charged plus the 4 % balance transfer fee I was assessed.

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: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2020-09-19
Company: EQUIFAX, 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:
XXXX has a collection on all 3 accounts of XXXX dollars but I dont know where that came from. Im a current XXXX wireless company right now. So I dont see how Im a current customer but have a collection with the company. Please remove from a credit reports or get them to show verifiable information and how they verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries 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 2022-12-14
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: Public record information inaccurate

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, How did the credit agencies verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit agencies violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: General Service Bureau, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Incessant phone calls are coming in to cellphone number XXXX from General Service Bureau ( GSB ) out of XXXX Nebraska. Phone calls to a 'cellphone ' is a violation of the Telephone Consumer Protection Act ( " TCPA '' ) 47 U.S.C. Section 227 ( a ) ( 1 ) based on the fact that under the TCPA it shall be unlawful for any person or entity to make any call ( other than an emergency ) or prior expressed ( written ) consent of the called party, using any automatic telephone dialing system or artificial or pre-recorded voice. Consumer has NOT given ( written or verbal ) permission for entity to call consumer. If after the agency is notified that consumer does not wish to receive calls and the agency continues to do so the agency can be sanctioned in the amount of {$500.00} dollars to {$1500.00} dollars per each violation there after. Consumer is making this report with your agency as consumer wishes all phone calls to 'CEASE ' immediately!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been trying for weeks to get XXXX $ out of my Coinbase account. I can not link my bank or XXXX accounts for withdrawals, only deposits, which is very strange. 

Ive reached out to Coinbase on their X support page multiple times since XX/XX/XXXX, that was my first attempt. The support agents handling this issue have not provided me with an alternative method, solution, or explanation. Only to say I need instant verification which can only be provided with a linked bank account, which they can not process

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have not validated debt under the FDCPA, and has violated the FDCPA rules regarding contacting me before validating the debt. Debt validation letters has been sent to furnisher and credit bureaus for debt validation and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Financial XXXX, Redlining, by US Bank created a health and safety concern for me.

US Bank was fine with me using the card until I spent money at an establishment predominantly patronized by non-white men and women. Then they stopped the card for fraud.

The fraud department was unable to verify me through the automated system so I was stranded in very cold weather in a place where I don't know anyone.

This bank should be investigated for redlining by creating fraud holds more often and aggressively on cards in locations predominantly frequented by persons of color.

If a fraud hold is needed they need to have an immediate call transfer to a live person so that an emergency does not happen like last night.

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 2023-11-23
Company: EQUIFAX, INC.
State: LA
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
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 have been disputing inaccurate information since XX/XX/2018 - Here 's some of the report numbers : I noticed there were items that had been removed were back on my report so I called equifax to ask why they were re-inserting items on my credit report that were removed. The next thing I know everything was completely deleted from my credit report XX/XX/18 - Equifax claimed to have loss all of my information and suggested that I fax a letter with my missing information via fax- which I did. Now, they are putting items that were previously deleted and re-inserted them without a certified letter to me explaining why-which by law is required within 5 days. 

I'm so tired of dealing with Equifax its a game to them and they are responsible for me not being able to obtain credit. Equifax does not follow any of the 609 rules or anything!

Here 's a list of the reinserted items : Acctmanagement original XXXX XXXX XXXX XXXX {$340.00} ( hippa law ) XXXX XXXX  - {$12000.00} I have asked them to remove ALL ADDRESSES that are NOT associated with me and even sent an affidavit - they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
I have a open credit card with XXXX XXXX. MY account has always been set up on autopay. 
The creditor, XXXX XXXX is randomly adding late payments to different months and years through each credit bureau. 
In XXXX of XXXX they added a late payment on my transunion account saying it was late for XXXX of XXXX ( two years later ). On my XXXX  they are reporting that XXXX of XXXX is not late but that XXXX of XXXX is late ( this late payment was added on XX/XX/XXXX of XXXX ). They are also reporting a infactual late payment of XXXX of XXXX. None of these late payments actually exist and it seems like they are randomly adding them years later. I have contacted the company who says it is not their problem and there is nothing they can do about it. I have written them letters and disputed this online however they keep deleting and ramdonly adding different months and years of late payments. I need all of these inaccurate reportings removed and I need my account closed with them so they can no longer report inaccurate information. It has been approx 7-8 months since I have been having this issue with them.

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