BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have an active short sale under review and offer and supporting documents were uploaded on XX/XX/XXXX. Despite several messages and calls the file has yet to be updated and the foreclosure date set for XX/XX/2018 no longer has a suspended status. Our offer is for {$770000.00} which is double the opening bid amount and higher than the current BPO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Citi AA Advantage card through the link in their promotion solicitation email and got declined. XXXX XXXX XXXX XXXX. The decline reasons are not used credit amount and recent open accounts. I fine with the decision if I decide to apply for the card and go to their website solely by myself. However, I made the application because of continuous promotion solicitation I received. I have top tier credit and can be approved for any credit card if credit is the only consideration factor. While Citi AA Advantage keeps sending me the application solicitation emails throughout the year, which gives me a message that, I passed their screening criteria all the time and will be approved for the card. Such emails are misleading, and such message led me to apply for the card. Besides, Citi collected my XXXX  in the application. While I am a XXXX XXXX XXXX XXXX XXXX, I am afraid that information could also impact the application.

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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Warning to Remove All Incorrect Items from my Credit Report ASAP!!!!!! 
I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2023-01-30
Company: EQUIFAX, 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:
n accordance with the fair credit reporting act XXXX XXXX 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them.

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have called xx multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. Xx company continues to run my credit score into the ground because inaccurate information. XX credit union refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. Xx has no right to place this information on my consumer reports when I have informed them that it is inaccurate.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
So, TransUnion sent me a letter yesterday XX/XX/XXXX, stating that all the accounts I questioned about on my credit profile are verified as accurate, when I know 100 percent, they do not belong to me. After trying to get a copy of my credit report from their website, I noticed that I am unable to get this. Not the first time this has happened. I chose the option to speak with someone from chat to find out why I couldn't see my report. Come to find out, the operator XXXX informed me, that my son and i have mixed credit profiles. I have told TransUnion this many times before, and they have continued to tell me everything is accurate and verified! Never have they did the investigation that was asked of them, never provided any information on how these items have been verified, and 100 percent lied to about the question items on my credit report. My son and I both have the same first and last name, and same birth month. Which easily explains how they could have gotten combined and mixed up. All I ever asked was for them to correct this and remove these items. I have attached the conversation from this morning with TransUnion rep XXXX. He made the mistake of admitting that my son and I have combined profiles and deleted the part that he said that was the reason I can't access my profile. I asked about it a few times and also says that if I call in, TransUnion will remove the mixed files. Simple enough! I want to make sure they get removed by posting this here. I don't mean to get XXXX in trouble but I cant continue to have my credit destroyed because of TransUnion. 


Before I escalate this even further, please remove the following accounts and hard inquiries from my credit report IMMEDIATELY! Send me an updated credit report with these items removed. 

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 2023-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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: Closed with explanation
Consumer complaint received 2023-02-04
Company: WELLS FARGO & COMPANY
State: NE
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:
Multiple times wells fargo would charge incorrect iverdraft fees

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 2023-02-23
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX @ XXXX I received a text message from Spire Recovery Solutions asking me to contact them in reference to an account. I responded at XXXX that I had no idea what they are talking about. 

They immediately started to ask me personal information questions. ( DOB, SSN etc ) which I refused to answer until they told me what it was about. 

They directed me to call in which I didn't do because the calls are recorded and only recorded on their end. Which means I'm not afforded the protection or access to the recording. Then they directed me to a website, which requires me to agree to a number of conditions including consent to be continually contacted, more personal information, being recorded, agree to payments, that I don't even know if I'm responsible for etc. 

They then blasted me with 3 back to back auto robo text message about their hours. 

Then yesterday XX/XX/XXXX @ XXXX they text me that they will not disclose any information to me before they get the information they want. At XXXX I asked them to not contact me again since they won't tell me what this about. 

Today XX/XX/XXXX @ XXXX they again contacted me ( after being asked to stop ) telling me that they will not stop contacting me and if I change my mind and would like to give them the information they want to call them at XXXX I responded @ XXXX asking them again to stop contacting me and informed them that I will be reporting this and all future violations. 

This entire thread has been documented through text messages which I also did not consent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX/XXXX-Date of inquiry : XX/XX/XXXX XXXX  XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX-Date of inquiry : XX/XX/XXXX XXXX-Date of inquiry : 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 2022-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
HSBC BANK USA, NA Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX RE : credit card ending XXXX XXXX XXXX XXXX. 

HSBC Bank USA was double paid ( paid twice ) for the same credit card balance and is proving uncooperative/negligent in refunding/returning an excess balance payment of {$1300.00} to me. I called one month ago and the HSBC customer service agent fully acknowledged the excess payment and said a check in the full amount would be sent out expeditiously. They have not honored their word and seem to be attempting a fraudulent cover-up of receiving both payments by selling a closed account to a different financial company in early XXXX. The account was terminated in XX/XX/2022. There is and was no active account to sell to another company and they have not returned my excess balance. Therefore I believe fraudulent cloaking of payment is being attempted. 

Both payments were made to and accepted by HSBC Bank. On XX/XX/2022, I paid HSBC {$1300.00} from my XXXX XXXX XXXX Account. Confirmation # from HSBC is XXXX. ( see attached ). Two weeks later XXXX XXXX XXXX, XXXX XXXX mistakenly paid HSBC the same amount for the same due balance, ( see attached ) A double payment is held by HSBC.

Please notify HSBC Bank to either send me a check in the overpayment amount of {$1300.00} or return/refund that payment to my XXXX XXXX Checking Account or return/refund payment made by XXXX to XXXX. 


***This is only one of three problems I have had with HSBC . HSBC practices deceitful, predatory business methods. 


Thank you for your time and assistance! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Coinbase, Inc.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
have and accoung with coinbase to buy and sell bitcoin. on XX/XX/XXXX was my last transaction on XX/XX/XXXX I got notice that my account had been changed. I did not do this I call the XXXX number and suposidly locked the account but not before XXXX in coin had been stolen t then my bank account was hit with another XXXX and XXXX and they found one earlier in the month for anther XXXX was with drawn from my account without my permission. now they are saying I owe them XXXX or more in funds that I barrowed from them on the XXXX or XXXX to buy more crypto. this is not right I have been sending emails regular since XX/XX/XXXX but they now refuse to even answer them saying I owe them money. can you please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2022 XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Request for Method of Verification To Whom it may concern : Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

On XXXX, I submitted a dispute to Equifax via FAX. Pursuant to Section 611 ( a ) ( 6 ) and ( 7 ) I requested the method of verification used by Equifax to verify the XXXX XXXX XXXX XXXX XXXX account. Equifax had 15 days to comply with my request or the XXXX XXXX XXXX XXXX account must be DELETED from my consumer report. 

As of the date of this letter Equifax has failed to provide the information, therefore this is a FCRA violation and the XXXX XXXX XXXX XXXX XXXX must be DELETED from my Equifax consumer report.

Equifax is also in violation of Section 607 ( b ) and 15 U.S. Code 1681e ( b ) which state that Equifax must use reasonable procedures to ensure maximum accuracy of all information the report/ publish on a consumer report.

I have attached a copy of the FAX Receipt as proof of the date and time Equifax received the original dispute for the method of verification.

This false reporting by Equifax constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this account must be DELETED from my Equifax consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. 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 experian i spoke to a representative agent name 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 accounts 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 10 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

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