BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, each major credit bureau ( XXXX, XXXX, Experian ) were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: SC
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 a Experian & 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 explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Information was sent to both XXXX XXXX Equifax that someone with a similar name/address information was incorrectly added to my credit report. Also address listed is very similar to my address. It has been over 30 days without a response from either bureau to remove inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-02-07
Company: CITIBANK, N.A.
State: CA
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 received a text message at XXXX PST stating that I needed to make a payment on my CITI XXXX Credit Card . I called the number on my actual credit card to find that I was late a payment. I asked if CITI had put me on paperless billing against my wishes and the answer was yes. The girl went on to explain that I had somehow signed up for paperless billing and I had not. 

CITI and other companies tries to hide paperless billing buttons on the websites. If I hit one it was not intentional. 

They charged me a {$31.00} Late Fee because I did not receive a bill and did not pay that bill on time. 

These people should be in jail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
on XX/XX/20 I sent a letter to all three bureaus regarding inaccurate information on my credit report and to this day over 60 days later I have not received a response yet.I feel like I am being taken advantage and being ignored of my disputes.I demand these inaccurate information removed immdiately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Back in XXXX, XXXX ( XXXX ) was sold or purchased by CitiBank. XXXX sent me a letter that my account " was not eligible to transition. '' And that my account was closed. It took 7 months and a complaint to you to get a response from XXXX as to why. ( Sort of ) They said that it was not them that said I was not eligible, but CitiBank. This is very strange as I was sent a credit card by CitiBank, but when I went to use it, it was denied. So I called the # on the back of the card to ask why and was told that there was no record of that card # and it must have been sent by mistake?!?! REALLY??? I spent over two hours on the phone with CitiBank and NO ONE had a clue as to what happened? I have names, phone # s etc on who I talked to that day. So based on my response from XXXX thru you, I sent a certified letter to CitiBank asking as to why I was denied. I have pulled credit reports that I have a Credit Score of XXXX, never late on payments, paid ahead on accounts, etc. The letter was signed for XXXX XXXX  XX/XX/2020. I have not received a response as of XX/XX/XXXX and am obviously being blown off. I am entitled to a reason as to why my credit was denied!!

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 filed a dispute with Transunion, regarding some late payments being reported on my consumer report. I mailed my dispute on XX/XX/2023, certified mail. They received it 4 days later, XX/XX/2023. I asked to receive a response from them in 30 days. 30 days was XX/XX/2023. As of today XX/XX/2023, I still have not received a response from them. I am asking that these items be deleted from my credit file for not answering within the 30 day time frame.

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 2021-03-08
Company: Mr. Cooper Group Inc.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred from XXXX  XXXX  to Mr. Cooper with my XX/XX/XXXX payment being the first one with Mr. Cooper. My homeowner 's insurance was due on XX/XX/XXXX and was escrowed. I received notification on XX/XX/2021 that my insurance was not paid and was in the process of being canceled. I called Mr. Cooper and spoke with XXXX at extension XXXX and it was confirmed they did not pay my insurance - so I called and made it myself ( over {$2000.00} ). I told Mr. Cooper I wanted to cancel my escrow account because I don't have money to pay them for my insurance and pay my insurance on my own. They advised I was not able to cancel it at this time as they have not been servicing it long enough and also did not offer to reimbursement my insurance to me. They stated I should have known the loan was being transferred ( I did receive paperwork ) and stated it was my responsibility to call my insurance agent and get everything updated with them. They also stated they did not have it noted it was due. My escrow analysis with XXXX specifically stated they were not paying my insurance and that Mr. Cooper would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
XXXX XXXX XXXX  Credit card expedited to me, WENT to activate it and when I did it already had 2 pending charges on the account.Immediatly called bank of America and told them to close the card. On the site it wouldn't even let me freeze the card.I called I was informed it was froze and closed. Then also got a call the next day from a live person that asked me if I make a new purchase at a grocery store. I TOLD HER I called and was told they closed the card for me because of what Happened the day before. She told me it was not closed and I was once again told TheCard Is Closed now by her.

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 2022-01-10
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Smith Law Firm, P.C.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Lost 99 % of the money in my account that is needed to live and pay bills, to repay the debt from the judgement. Never got a summons to court or notification of being sued. Called attorney but attorney never responded back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Every disputed account currently reporting on my consumer report is inaccurate and must be removed. Each negative alleged account is reporting inaccuracies and errors, constituting grounds for removal under the direct violation of 15 USC 1681 for reporting inaccurately. I request a thorough and complete investigation of my credit report ; please do not limit it to the XXXX system, as my financial well-being relies on maintaining good credit. Every inaccurate account is unauthorized and requires immediate removal. 

This debt collector and credit reporting agency have engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They reported an account without our agreement, and I did not sign any agreement. A legal contract involves the participation of both parties, and I was not part of any such agreement. Furthermore, they failed to follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-01-10
Company: Experian Information Solutions Inc.
State: FL
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2021-11-19
Company: Winklevoss Exchange LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
- I initiated a wire withdrawal from Gemini Trust Company , LLC ( Gemini ) for the amount of {$10000.00} on XX/XX/XXXX. Gemini sent confirmation of having received the request and that it was " initiated '' on the same date, and that it would " arrive within one business day. '' - Two days later, XX/XX/XXXX, Gemini sent a notice saying that the withdrawal had been " sent '', and that the funds would arrive in the receiving bank account " shortly ''. 

- One day later, XX/XX/XXXX, I made a support ticket on the platform requesting assistance as the promised funds still had not been reflected in the intended receiving bank account. 

- One day later, XX/XX/XXXX, a service representative replied to the ticket asking if I still had not received the funds. After confirming that I had not, they said that the support request would " need to be escalated to another team so that they can take a closer look ''.

- Four days later, XX/XX/XXXX, I posted about my specific issue on an external platform monitored by the company and was able to get ahold of another service representative. The rep told me that they " sent this over to the right team so they can take a look at this. ", and to message them again if I still had not heard from anyone in two days time, on XX/XX/XXXX. 

- Two days later, XX/XX/XXXX, there still was no official update on my issue through email so I notified said rep about this. They apologized for this and then said that they " went ahead and escalated it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In response to CPFB complaints # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Convergent Outsourcing Inc. for violating a cease and desist order notice they received on XXXX XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice, Exhibit A. which is a copy of the account reporting on my Experian consumer report, Exhibit B which is copy of response to CFPB complaint # XXXX - XXXX, and a pdf of an FTC Report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint. Convergent Outsourcing Inc. position that this account will remain reported to credit reporting agencies with accuracy as disputed, because I never contract with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ). I have not validated any alleged debts with Convergent Outsourcing Inc. and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. Convergent Outsourcing Inc. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract giving Convergent Outsourcing Inc any right to collect on this alleged debt. It is my belief that Convergent Outsourcing Inc are attempting unlawful extortionate activities and theft company are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. The Company also stated The Balance have been validated with the original creditor XX/XX/XXXX. I have never received any documentation requesting validation from Convergent Outsourcing Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Convergent Outsourcing can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. Convergent Outsourcing Inc # 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