BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hi My Name is XXXX XXXX, I have premier account with Equifax Credit Reporting Agency, where I can login any time and get my credit score and check my report, I do this every month to check for any changes to my score. 
Back on XX/XX/2021. I logged it to my account and my credit score was as usual Excellent XXXX points. It goes up or down a point or two every couple of weeks. This was confirmed by Equifax order transaction number is XXXX. 
In XX/XX/2021 I tried to print the report I generated in XX/XX/XXXX, to show it to a land lord who I was trying to rent his house.

When I tried to login to my account, Equifax system asked me to switch to a new platform they developed, I tried to avoid this by logging into my old platform, but the system wouldnt let me in. 
After several tries, I logged in to their new platform, in there it shows that my credit score has dropped XXXX point to Good XXXX points. And it did not show any events in my report that may have caused this drop. 
I called Equifax and they told me that they switched a new system and changed the way they do the calculations of the scores and that I do not have access to my old reports anymore, and they did not give me any reason why my score dropped XXXX points over night. 
Now the new platform only shows my credit history from XX/XX/2021 only with no access to any old reports generated in my account. 
I filed an Online Dispute submission. Ticket # XXXX to Equifax, and they answered me back with general information with no specific details to my compliant or gave me any explanation why my score changed too. 
I need a full detailed clarifications to why my score dropped from excellent XXXX points in XXXX XXXX to Good XXXX Points in XX/XX/2021. 
I need to have access to all my old reports history. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX, Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$21000.00} Highest balance {$0.00} Terms 72 Months On record until XX/XX/XXXX I am writing to request that you provide me with information regarding your reporting of information to consumer reporting agencies ( CRAs ). Specifically, I would like to know what information you have reported and to which CRAs. 

I would like to make clear that I have not given permission for you to provide my credit report to any third party for any purpose other than those allowed by USC 15 1681b. This statute outlines the permissible purposes for accessing consumer reports, which include : Credit transactions Employment purposes Insurance underwriting Government licensing and benefit determinations Court orders Legitimate business needs Any other use of my credit report without my express permission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Therefore, I request that you provide me with information regarding your reporting of information to CRAs, including the information reported, the date of the report, and to which CRA the information was reported. 

I also request that you investigate any disputed information on my credit report and correct any inaccuracies as required under USC 15 1681s-2. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2023-11-21
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 am writing to formally complain about the persistent and unresolved issues I have encountered while attempting to remove fraudulent items from my credit report. Despite many multiple attempts to rectify this situation, the fraudulent information continues to negatively impact my creditworthiness. 

I have diligently followed the dispute resolution process outlined by your agency, submitting detailed explanations and supporting documentation regarding the fraudulent items in question. Unfortunately, these efforts have not yielded the desired results. The fraudulent information remains on my credit report, causing undue harm to my financial standing. 

I have attached copies of my previous dispute submissions, along with the supporting documentation, for your reference. It is disheartening to note that, despite my compliance with the established procedures, the fraudulent items persist. 

I kindly request an immediate and thorough investigation into this matter. I expect your agency to take prompt action to rectify the inaccuracies on my credit report and to provide me with a written explanation of the steps taken to resolve this issue. 

Furthermore, I urge your agency to implement measures to prevent the recurrence of such issues and to ensure a more efficient and effective dispute resolution process for consumers. 

If this matter is not addressed promptly and to my satisfaction, I am prepared to escalate my complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau. I believe in the importance of a fair and accurate credit reporting system, and I trust that your agency shares this commitment. I am asking for your assistance to remove the following fraud items in my credit file : 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 response to consumer: In progress
Consumer complaint received 2021-10-23
Company: Experian Information Solutions Inc.
State: WI
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:
THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED EXPERIAN, XXXX and XXXX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. EXPERIAN HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX Bank XXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXX Bank Account XXXX XXXX XXXX Bank Account Ending XXXX XXXX  Account Ending XXXX  XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX The Bank of XXXX I saw that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.

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 2023-05-10
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was informed by XXXXXXXX XXXX that I owed a debt of {$4300.00} to a third party debt collector. And I was totally confused because the company was under national credit system. I did try to dispute this matter twice! Now XXXX wont let me dispute it and because the original creditor violated THE FCRA -15usc6802 and now they are trying to take away my own right to dispute and actually help me! These people want me to claim fraud so bad, and this isnt fraud! Its abuse, and a legit threat of and to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
18 months ago I submitted a {$500.00} deposit to Citi Bank for a secured credit card. I was informed that after 18 months my account would be reviewed for an unsecured account and my {$500.00} would be returned to me making my account unsecured.So the 18 months was up on XX/XX/21 of this year, I con Citi Bank to get the status and was informed that they would keep my {$500.00} another 12 months as a secured account, and I maintained my account for 18 months they claim the account was late once but it had to be me paying the account after a certain hour of the day and it got credited the fo day but never ever days late.They never explained to me that this could happened I was told 18 months. My credit is good so it couldnt have been based on that.I feel like they are discriminating against me for making this decision and feel like they will retaliate against my credit fir filing this complaint against 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 explanation
Consumer complaint received 2023-01-24
Company: LendingPoint Holdings LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On or around XXXXXXXX XXXX XXXX  I found out my identity was stolen and used to open up several accounts. At this time I contacted lending point who was one of these account holders ( XXXX XXXX ) sent them a copy of my FTC Identity Theft Report and informed them the information they are reporting is the result of identity theft, and I asked them to plz correct this fraudulent information by Removing any charges on this fraudulent account, and Closing the fraudulent account as soon as possible to which they have yet to do. I am still making payments on this fraudulent account to protect my credit score when I shouldnt have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid XXXX on my mortgage in XXXX with XXXX XXXX XXXX XXXX. The branch I would normally use was vacant suddenly in XXXX, so I went to the next tired over to that branch. In XXXX, they sold my loan to Nationstar and I requested my payments log. The 3 payment I made in XXXX are no where in the paperwork. Nationstar has been saying I'm behind since they bought the loan and I can't refinance but these payments XXXX were never applied, thus showing me as behind even though there are no missed payments and had been on auto pay. I've sent both companies this receipt and asked to update my payoff amount to reflect the payments for the receipt I have. I've sent notice of Error letter certified mail, fax, and email. Nothing. 
I figured XXXX wouldn't correct the ER they made so I sent Nationstar/Mr. Cooper this info twice and they won't acknowledge not update my loan either. I want to pay off my loan but I can't get an accurate payoff amount and they're saying I'm behind but I'm not, the payment was never credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It has been about two months since I have sent Citibank a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account

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 2023-11-20
Company: EQUIFAX, INC.
State: FL
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:
I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2021-10-23
Company: EQUIFAX, 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 need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( EQUIFAX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( XXXX & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( XXXX XXXX Equifax ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( Equifax, XXXX, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Winklevoss Exchange LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On or around XX/XX/XXXX I created an account with Gemini Trust Company LLC. They require submitting government ID to verify identify which I did. Gemini makes claims in advertising and on their website to the effect that once being fully verified, one can trade, deposit, and withdrawal with their exchange. I was able to deposit and withdrawal funds from Gemini from around XX/XX/XXXX to around XX/XX/XXXX. I made several deposits into my Gemini Trust Company LLC account, one on XX/XX/XXXX. I have now been notified by Gemini Trust Company LLC that I need to make a wire transfer into my account to continue to deposit, withdrawal, or buy. This is unacceptable from a consumer standpoint as I have funds being held in my Gemini Trust Company LLC account that I can not access. It was not stated in the TOS or mentioned in any material from Gemini that a wire transfer would be necessary to continue using the service. Allowing a customer to deposit funds and then barring their access to said funds is an unwarranted, suspicious, and malicious thing to do that has left me financially damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: IL
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:
UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation