BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I applied for a Best Buy card that's financed through CitiBank. I was told to call XXXX. I called that number and spoke to a woman that placed me on hold to process the application. After about 10 minutes I received a call from XXXX and it was a person asking did I just apply for a Best Buy card. Told her yes and that I had a rep on the other line from the Best Buy card services. She explained that was her that placed me son hold and that her calling me was apart of the verification process. So she stated that she had to do some more verifying. She stated that my cellphone didn't meet the requirements to send a one time text. ( Crazy thing is my cellphone that she called me on was the number that's on all 3 of my credit bureaus ). So she stated do you have any other Citibank accounts that's opened. I said " No '', I applied for a Home Depot card but they need more information to verify me that a woman called me and stated that I'll get a letter in the mail that I need to fax that letter and a copy of a utility bill in. She stated okay at this time we can't approve you and you'll get a letter in the mail in 7-10 business days. 

Called today and got the automated system that stated that my application was declined due to can't verify my identity. Please see the attachment. My ID and SS, current bill and credit report from XXXX. Please keep in mind she already called me on the phone number that's listed on my credit reports. 

Please notice that my XXXX credit report don't have any CitiBank accounts. CitiBank is bias and they won't give me a card. Keep in mind this same scenario occurred for the Home Depot Card I spoke to someone last week and I never received the letter in the mail for verification purposes, but they ran my credit. How convenient, they don't extend credit but make money off the amount of credit applications that they get in.

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 2021-07-13
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
Shellpoint Mortgage Servicing wrongly reported to the credit bureaus a late payment in XX/XX/2021. This account was in autopay and I am including proof of payment for XX/XX/2021. I called them on XX/XX/XXXX and they asked me to send proof of payment to a provided email ( also attached ), which I did. This action has damaged my credit and prevented me from refinance my current home. Also attached is a letter from Shellpoint stating that they received my inquiry, but the late payment has not been removed from my credit. It cost me over 50 points on my credit and unable to refi or purchase another property. The worst part is that this account is already paid in full but the damage of my credit remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: USCB Corporation
State: OH
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:
I been asking the companys to help me remove stuff I got my information stolen from me I would call to see whats going on and they would tell me not enough information on the account or the information I have doesnt Match or they sold my information to a 3rd party

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: NV
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
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:
There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-05-31
Company: EQUIFAX, INC.
State: FL
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:
There were letters sent off via mail on XXXX XXXX. I advise the credit bureaus to investigate every piece of information on the accounts Also. I have attached the certified tracking numbers. They stated my accounts were verified but how is that possible if they didnt do a proper investigation according to the law. Every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate.

15 U.S.C. 1681 section 602A 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. 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court complement jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-08-05
Company: EQUIFAX, INC.
State: MI
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:
162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

As a federally protected consumer I am opting out of XXXX XXXX and Equifax reporting my nonpublic information. XXXX XXXX nor Equifax has my consent. XXXX XXXX agreed not to release my non public information unless it was to the reporting agency. Federal law only recognizes the Consumer Financial Protection Bureau as the ONLY credit reporting agency and the credit bureau does NOT furnish consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, received a letter from Bank of America that a new Credit Card Account was approved for {$25000.00} and cards will be mailed out. I never and will never apply form a credit card through Bank of America or any other Large Financial Institution. I never gave any authorization for the pulling of my credit report or an application for a credit card. It took over an hour of my time to get to Customer Service and they will not close my account until I return a signed letter Disputing this card. 

I have a freeze on my credit bureau as of XX/XX/2022.

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 2019-11-03
Company: BARCLAYS BANK DELAWARE
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a william sonoma credit card from barclays bank. this account was sold to XXXX XXXX  in XX/XX/XXXXto which i was not notified or given a new card. i put a balance transfer on this card around XX/XX/XXXX. i then wanted to pay off this card with a 0 percentage card offer from XXXX  . XXXX sent the payoff amount of XXXX to the information from my william sonoma card issued by barclay bank. i have the etf number and confirmation from XXXX on the transfer. barclays bank of delaware said they never got the payment and XXXX XXXX  who took over this account in XX/XX/XXXXsaid they never got the payment. i am now paying both credit cards and no one will accept responsibility for the payment. i have been continuously calling all three banks and getting no where. can you please help me. thank you XXXX XXXX email XXXX XXXX XXXX XXXX XXXX XXXX XXXX nm 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 monetary relief
Consumer complaint received 2023-12-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
A fraudulent charge for {$50.00} showed up on my card on XX/XX/. The credit card website would not allow me to report the charge as fraudulent, so I called them on XX/XX/XXXX  to report it. I spoke to two different people and told them both that I did not make the charge. They reversed it " conditionally '' and coded it as goods not received. When the vendor provided them with information about the sale, the credit card company told me I was responsible for the charge and charged it back to my account. I sent them an email on XX/XX/XXXX  telling them that I did not make this charge, and they responded that it would be closed by XX/XX/. I sent them another email on XX/XX/2023 and then called them on XX/XX/XXXX  because there had been no updates. On XX/XX/, their fraud department told me they would close the account and issue a new card but it would take them one to two billing cycles to investigate the fraud and reverse the charge despite my reporting it over two months ago. 

I believe Citi bank has a pattern of denying fraud charges and intentionally making it more difficult to report, particularly with online retailers. This is based on my past experiences with this same credit card and my interactions with their customer service department.

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 2022-05-31
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for an American Express gold card with a XXXX bonus point offer after spending {$4000.00} in four months. More than 16 weeks after meeting the spend requirement, the bonus points still have not posted. 

I first contacted American Express about this via chat on XX/XX/XXXX. I reached out again XX/XX/XXXX via chat and again via phone on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NY
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 a letter to the Experian XX/XX/2022 to remove these suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX  XXXX XXXX Balance : {$270.00}

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 2018-03-20
Company: Eastpoint Recovery Group, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Eastepoint Recovery Group , Inc. from XXXX, NY have been repeatedly calling me and leaving voicemails at work when Im unable to answer. Theyve called about twice a week for the last 5 weeks or so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: EQUIFAX, 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 items on my credit report that are not mine and that noone can tell me who or what i can help me. I have inquires that are not made by me that equifax is refusing to remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXXXXXX Balance : {$17.00} ; XXXX XXXX XXXXXXXX Balance : {$160.00} ; FXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/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