BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: KS
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 reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for three account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via Experian. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. Account recovery has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: WA
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:
N accordance with the fair credit reporting act XXXX XXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTUCTONS

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 2021-09-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I joined Costco Whole Sale as a member in XXXX, 2021. Costco demands you sign up for Citi VISA to pat for any purchases. I did sign up for the required credit card, Citi VISA, offered by Costco. I did enter a bank account routing and account numbers to pay the charges on the credit card. I was shocked to discover that the payment was returned, there are sufficient funds to pay the bill in that bank account provided, nevertheless, I called customer service at XXXX to find out that the bank account number had a missing digit or some sort of error. I provided the Rep. of Citi VISA with the correct account number and I specifically asked him that I do not want to pay extra charges. He then told once you make the payment when you receive the email no charges will be added. I checked my account to find out extra charges of {$29.00} and running total of {$64.00}, I called customer service who refused to remove the charge. Deceiving and cheating pay customers. Citi Bank customer Service rep. stated there was nothing that can be done. I told him that his colleague stated that there will be no extra charge once I receive the email notification which i did. I also provided another checking account to avoid any more issues. I asked to speak to a manage to try to resolve the issue, I was put on hold, typical strategy so the customer hangs and gives up, no manager or supervisor came to the phone to discuss the issue. The customer service Rep. ID XXXX who told to call back on XXXX XXXX but no reasons were provided for the call back on that date. He also refused to locate or listen to the recorded conversation I had with is colleague,

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 2021-12-14
Company: EQUIFAX, INC.
State: PA
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:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out the lease for a XXXX XXXX XXXX in XXXX, XXXX and I have still not been able to get US Bank to release the title to me. I have been to the DMV in my state and they said that US Bank has had the title since XXXX. I have a bill of sale and a copy of the title but no actual title. I have carried insurance on the vehicle to protect my investment but can not drive the car. I call every week and I get no where in resolving this matter.

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 2022-10-21
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Current and recently today my account got emptied and overdrawn by some charges which I did neither initiate nor authorize. Over {$500.00} was taken from me, from a merchant called BONUSES. They made 13 total transactions within ten minutes, 7 of which were for {$59.00} and 6 for {$29.00}. As soon as I noticed I reached out to my bank to argue that these were not me and obviously someone else and all they told me I could do is wait. My complaints are, for one, how did this not set off any red flags or fraud alerts? Upon researching the number that came from the merchant information, it was from someone in XXXX. I live in Texas. 13 total transactions in less than 10 minutes for the same two amounts from a country on the other side of the world didnt set off any alarms? Secondly, when I told them this and said that Im overdrawn and that it wasnt me who initiated these transactions or anything, all I got told was to contact the merchant directly myself or just wait until the charges settle and then try to dispute them. I cant contact the merchant nor should I have to wait till get my money back from obvious fraud. I talked to two separate people and I just got told to just wait it out then. That itll normally take 5-7 business days for the pending status to change to finalize. But now Im going to have to wait until I get paid because they wont overrule the transactions and cancel them and return me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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:
Hello I submitted my FTC paperwork along with a letter and proof of identity. This issue has still not been resolved. There is still multiple items that are fraudulent still 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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 notice two accounts on my credit report that does not belong to me : 1.XXXX XXXX Account # XXXX 2. ( Original Creditor : XXXX XXXX ) Account # XXXX I am a victim of identify theft and I have filed a FTC report and XXXX  complaint as well as a direct dispute with the credit bureaus to put them on notice of these inaccurate accounts.

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 2022-11-03
Company: ADIR INTERNATIONAL LLC
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:
Curacao ran my credit on XX/XX/XXXX and reopened an old account that was last used in XXXX and charged $ XXXX, then ran my credit agin on XX/XX/XXXX. 

I did not re-open this account. I contacted them but they seem to not care. Ive filed a police report and completed a notarized fraud affidavit with a copy of my ID and social security card so they can see it is not me who re-opened this old account. Ive also filed a complaint with the XXXX 

I visited the Curacao headquarters in XXXX  on XXXX, but the fraud investigator did not want to speak with me and the people there did not want o give me her name or email or phone number either. What kind of business is this that re-opens old accounts fraudulently? Ive explained I didnt re-open the account and the address they have on the account is in XXXX XXXX CA Ive never lived in XXXX XXXX Also the phone number is a XXXX area code and Ive never had a number like that. I gave Curacao a copy of my utility bill so they see where I live. I dont know what else to do to get this account closed and the address removed from my credit report. Please help me because who knows how many other victims there are as a result of this companys fraudulent practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NY
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:
There is an inquiry that appear on my persona consumer report form XXXX, Equifax and XXXX that I do not recognize from XXXX XXXX on XX/XX/2022. There is a possibility that due to the history I've had in the past with this particular financial institution, they my have issued an inquiry to cause me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: CITIBANK, N.A.
State: TN
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 Monday XX/XX/XXXX I requested a credit limit increase with Home Depot Citi credit card. It was approved no problem however a credit inquiry was put on my XXXX  report without my consent. I did this online and know where did it warn me about a hard inquiry on my report was going to appear. I discovered this inquiry Wednesday XX/XX/XXXX and immediately called Home Depot who was unhelpful. The gentleman on the phone said he honestly didn't know if it said on the website anything about a hard inquiry or not and directed me to contact XXXX  to dispute directly with them. I have filed a dispute but am very upset right now about this hard inquiry. Number one I've submitted credit increases to my other credit cards and I have never had a hard inquiry. Number to if you're going to do a hard inquiry typically it is at least somewhere where you can see in XXXX to warn you about a hard inquiry. If Home Depot was going to do a hard inquiry I would have not submitted for the credit increase plain and simple. Due to the fact this was not posted anywhere when I went to inquire for a credit increase now my credit report has suffered a decrease. I take my credit very seriously and want something done about 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 2023-09-01
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : CITIBANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

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 2023-07-18
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
I tried calling, disputing online and because its showing no CC account I wasnt able to dispute. 
Ive written to Equifax over the years and recently requested to report my XXXX XXXX XXXX payment history/cc usage/credit age XXXX XXXX. And the removal of a hard inquiry that was supposed to be a soft inquiry also on XX/XX/2023. But instead Equifax took XXXX points from me for my two ( 2 ) ) hard inquiry being removed XXXX XXXX. Ive written a second dispute letter on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Multiple unverified reports have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions These are a list of HARD INQUIRIES that I have disputed with ALL three Credit bureaus. They have NOT sent me Proof of the alleged inquires that I was the sole source of the consent 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 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

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address is not accurate -- update

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 2022-11-03
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on a VA loan assumption with M & T Bank on XX/XX/2022. I have run into multiple issues with M & T Bank both before and after closing. Most recently : 1. The loan number provided to me prior to closing is different than the loan number now referenced on a letter dated XX/XX/XXXX and addressed to me. The loan number referenced on the letter is the same loan number as that which belonged to the former/original borrower. 

2. Because I was given the wrong loan number, my homeowners insurance declarations page references the wrong loan number in the additional interest information, potentially creating future issues with escrow payments and/or payments for insurance claim proceeds. 

3. I can not register for online account access with EITHER loan number. I receive an error message either way that the information I entered does not match the information they have on file. 

4. The aforementioned letter was mailed to the mailing address for the former/original borrower. I have never provided that address as my own mailing address. Because of that error, the letter was received by the former/original borrower first and did not get to me until XX/XX/XXXX, after that person returned it to XXXX. 

5. The aforementioned letter indicates payment in the amount of {$1400.00} is due XX/XX/2022. My closing statement confirms I paid that same amount as part of my closing costs on XX/XX/2022, and on the closing statement it is specifically indicated that the amount was for the XXXX payment.

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