BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-09-07
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 I went to Best Buy and acquired their store credit card to buy a lap top. Based on what was told by the sales person the lap top included a XXXX XXXX and if I didn't like the computer it could be returned. ( see receipt attached ) On XX/XX/2019 I went to Best Buy to return the lap top with everything that came with it. I didn't use the computer because I didn't like it, yet the XXXX XXXX  was installed in the computer since it came with it and I tried the computer. For my surprise during the return they said I would have a balance of {$69.00} for the XXXX XXXX plus taxes. I couldn't understand why and they told me I would have to solve it with XXXX. ( see receipt attached ) I called Best Buy customer service to complain - the case # is XXXX. They said I would have to call XXXX as it was a XXXX charge. Again, I didn't buy anything from XXXX, so why Best Buy couldn't solve it? And then, I called XXXX Customer Service and the case # is XXXX. XXXX did a conference call with Best Buy and proved to them that I didn't own anything to XXXX as that packed was sold with the computer by Best Buy. I do have an existing packed with XXXX but is directly with them and it is installed in other device. In the same call, the customer service from Best Buy asked me to go back to the Best Buy store to get my refund. 

On XX/XX/2019 - I went back to the Best Buy Store I bought the lap top and the manager processed me a return of the XXXX XXXX and provided me with the receipt. She said I wouldn't be charged for it anymore. Yet, the receipt came with XXXX  $ value ( see it attached ) On XXXX, for my surprise they sent me a bill with a balance of {$75.00} referring to the same XXXX XXXX and then they sent another charge on XX/XX/XXXX of {$100.00} including other fees. 

I had a call with the Best Buy credit card company that seems to be City Bank. I asked to dispute the charges. Not sure which day this call was, yet it was between XXXX and XXXX. I received a mail letter dated as XX/XX/2019 saying that I lost the dispute. ( also attached ) Yet, they didnt ask me to provide with any paperwork to get into this conclusion. And I can not believe now they have reported it to my credit report and they are charging me interest and saying that I have a late payment. 

On top of damaging my credit, they have reduced my credit limit.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XXXX the XXXX XXXX. I received an alert on my phone in reference to a drastic decrease on my credit file. I reviewed my credit file and noticed that I had 2 late payments from XXXX XXXX XXXX. I reached out to XXXX who I subscribe my Credit Monitoring through a paid membership, to alert them that I did not have a XXXX Account with a credit limit of {$2000.00} with a high balance of XXXX. I was informed to place an identity theft claim and submit it to the bureaus for removal and reach out to the Creditor. I went to the local XXXX XXXX XXXX, and they confirmed that this account does even exists. They ran my Social and I personally bank with this institution. I filed a dispute, with the Credit bureaus and it came back affirmed that this was my account. I was very confused that the account stated that this account was opened in XX/XX/, and it did not appear on my Credit report until XX/XX/. The high balance continues to change monthly. If you review my Credit report prior to XX/XX/, this account never appears. I have several arguments regarding this issue. This has hindered me from going forward with the purchase of my home and I would like for this account to be removed from my Credit Report. I have found several violations in reference to this account 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 2023-02-16
Company: Experian Information Solutions Inc.
State: TX
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:
Dear Consumer Finance Protection Bureau, I am writing to file a complaint regarding inaccurate information on my credit report that is the result of identity theft. On XX/XX/2023, I submitted a dispute to Experian regarding this information. As of today 's date, I have not received a response from the credit reporting agency, even though they are required to investigate and respond to disputes within 30 days, as outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the credit reporting agency did not have written instructions from the creditor to report the information in the first place, and therefore the information is not only inaccurate but also should not have been reported. The credit reporting agency 's failure to properly investigate and correct or remove this inaccurate information is a violation of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which requires that the agency investigate and correct or remove inaccurate information within 30 days of receiving a dispute from a consumer. 

In addition to the above violations, I believe that the credit reporting agency 's inaccurate reporting of my personal and financial information is also a violation of my right to privacy. The inaccurate information on my credit report has the potential to negatively impact my ability to obtain credit, housing, and employment, and could lead to further identity theft and fraud. 

Furthermore, I believe that the credit reporting agency 's reporting of this fraudulent information is in and of itself an act of identity theft, as they are knowingly reporting false information about me to potential creditors, which can harm my creditworthiness and financial wellbeing. 

Given that the credit reporting agency failed to respond to my initial dispute within 30 days, I am now filing a brief statement under Section 611 ( a ) ( 5 ) ( A ) that describes the nature of the dispute.

I am requesting that the credit reporting agency promptly investigate and correct or remove the inaccurate information from my credit report, as required by law. I am also requesting that the CFPB take appropriate action to ensure that the credit reporting agency complies with all provisions of the FCRA, including protecting my right to privacy and preventing the reporting of false information. 

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 2022-05-03
Company: EQUIFAX, INC.
State: AL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage loan is delinquent and Loan Care is not providing me the ability to get caught up on my payments. About five years ago I suffered some financial issues and had to stop making my mortgage payment. Everyone suffers from hardship from time to time and when I reach out to my prior loan servicer, XXXX XXXX, they failed to provide any assistance. My loan was transferred to Loan Care about a year ago and I am experiencing the same treatment that I received from XXXX. I have repeatedly engaged their representatives and have filled out several applications for a loan modification, but the process never goes anywhere. I am frustrated with them and need the assistance of your agency to get them to work with me. I see that your agency is in place to ensure that they comply with guidelines for mortgage assistance and I am requesting that you to get involved on my loan. I want to work out an affordable payment, but fear that they will sell my home through a foreclosure sale. I had always made enough money to afford my bills and mortgage payments. However, about five years ago I had to pay for some major repair bills on my rental units and did not have tenants at the time. For that brief period of time, there was not enough money to do what I had to do and keep current with my payments. I was two months behind when I contacted XXXX to obtain some assistance. It took about six months and I was able to get forbearance, which I paid off after one year. Then I tried to get a modification and reached out to XXXX. Unfortunately, XXXX XXXX up my request for assistance and the negotiation never reached an agreement. Since the time my loan was transferred to Loan Care and I have not had a full review for mortgage assistance, even though I have sufficient income to afford my mortgage payment. They are just spinning their wheels and want to take my equity away and kick me out of my home.

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 2023-01-14
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:
To Whom it May Concern, I have an ongoing issue with information reflected and reported on my consumer credit reports as transmitted and stored with Equifax and XXXX. The account in question is an account listed with Timepayment, an account which was paid satisfactorily. I have disputed this item, which is reporting data not in accord with accuracy. Under the Fair Debt Collection Practices Act, I have requested full data disclosure, including manner of documents used to validate what is plainly a flawed account, listing inaccurate history in multiple instances. 

Using the law as stated, i have tried to get XXXX and Equifax to dispute the data and they mark it as meeting The Fair Credit Reporting Act, when it has not. Documents have never been provided and account keeps reflecting data which is inaccurate. 

Because the dispute process is costly, and also because I do not trust the fair and impartiality of these credit reporting agencies, I am asking for this agency to intervene on my behalf and mediate this complaint. 

I am asking that the accounts be verified from their source, because the inaccuracies are affecting my financial prospects adversely with the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NV
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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Winklevoss Exchange LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Gemini won't allow me to Deposit or Withdraw any currency without sending a Wire Transfer first. A wire transfer can not be made until my identity has been verified. 

I can not verify my identity until I make a wire transfer. 

I can not wire transfer money until my identity is verified. 

Gemini has created a paradoxical situation where a user can not be verified until a transfer is made, and a transfer can not be made until a user is verified. ( See screenshot below ; notice how the " Continue '' button is greyed out and unable to be clicked when trying to send a wire transfer ) All of my assets are frozen in Gemini 's platform due to a technical, paradoxical issue created by Gemini. 

Attempts have been made to reach out to Gemini for resolution and they have failed to investigate the issue thoroughly to completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from XXXX XXXX XXXX, XXXX. Representing Discover Bank, with enclosed Information Subpoena and Restraining Notice dated XX/XX/XXXX. Attaches are supposed Court Papers with Index No. & Firm File No. for a court that I can not find in existence. Court : District Court of the County of XXXX XXXX XXXX : XXXX Part. Staying that a judgement in said court was filed against me XX/XX/XXXX for {$8300.00}. Furthermore attached is an Exemption Notice stating that Your bank account is restrained or frozen. Which has not affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXXXXXX  ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXXXXXX  .... 6 ) XXXX XXXXXXXX {$730.00} XX/XX/XXXXXXXX  .... 7 ) XXXX XXXX XXXX XXXXXXXX {$760.00} 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 2019-09-30
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On Saturday XX/XX/2019 I ordered a NetSpend Replacement Visa Check Card and the NetSpend Customer Service stated over the telephone that I would receive the replacement NetSpend Visa Check Card in 7 to 10 business days. I order the replacement NetSpend Visa Check Card because the one I have possession of is old and the magnetic strip on the card doesn't work properly.. Today is Monday XX/XX/2019 and I never received the NetSpend Visa Replacement Check Card in the mail I can only assume that it is stolen, held off, or was never mailed.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: SC
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:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity. 

Thank you for your help and assistance. 

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 2021-07-04
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt collector no longer has the account. When I went to the website it says I owe XXXX dollars. When I contacted them about it they informed me they no longer had the debt. I asked them to remove the account and they said they wouldnt.

Company response to consumer: Closed with explanation