BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NJ
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 have two fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
Per The Federal Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have sent an FTC identity theft report NUMEROUS times and you are in VIOLATION of this law because I am a victim of identity theft!!! These accounts are a result of identity theft. Account name : XXXXXXXX XXXX Account number:XXXX, Account name : XXXX XXXX XXXXXXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX and Account name : XXXX XXXXXXXX Account number : XXXX. Please delete these items IMMEDIATELY! I have attached my identity theft report. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTSIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY. Lastly per te FCRA I am entitled to {$1000.00} per FCRA Violation. Please send me a check for {$1000.00} for willful violation.

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 2023-07-13
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX 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 Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Long story that happened about 14 years ago. CitiFinancial took out a consolidation loan and signed me as the co-signer without my permission. They used my information from a previous loan application. The loan was not being paid, so than they decide to perform an illegal charge - off through the IRS on my 2017 taxes. This triggered an IRS audit of my taxes since I refused to pay taxes on a loan I have never received. The IRS is non-compliant since XXXX. I have stacks of letters from the IRS, they send me each month saying they are looking into it. I sent letters to CitiFinancial to remove the charge-off or be sued. This is all similar to what XXXX XXXX did by using customer signatures to sign them up for products they were unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This MEDICAL debt was part of a car accident. I PAID EVERYTHING as of 2018. They are trying to collect AGAIN. I have called and they were VERBALLY ABUSIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime Bank has closed my account for absolute no reason. 

I have banked with them for 3 years and out of nowhere received an email stating my accounts were closed. I called and was told to send an email to customer service in which I did, a rep emailed me back and said someone will follow up with me. I havent heard anything back, now i am left with no bank account and no money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Continental Finance Company, LLC
State: PA
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:
XXXX XXXX XXXX close my account due to fraud The problem is is that I had nothing to do with it going on XXXX months sent them everything they wanted and they still haven't corrected the problem and they're costing me a lot of money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I LOOKED AT MY CREDIT REPORT TODAY, AND TRANSUNION SHOWS FROM THE MORTGAGE COMPANY, XXXX MY LAST PAYMENT WAS MADE ON XX/XX/2021 WHEN IN FACT THE LAST PAYMENT OF {$1900.00} WAS MADE ON XX/XX/2021. THE DATE OF THE UPDATE ON TRANSUNION IS XX/XX/2021. PLEASE HAVE XXXX UPDATE ALL CREDIT REPORTS TO REFLECT MY XX/XX/XXXX PAYMENT.

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 2017-03-16
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank Has not sent me a of the year end escrow analysis, which was due XX/XX/XXXX by Law. They did send a notice saying they expect a shortage so send in {$980.00}. Now they 've sent another notice saying they now want XXXX and that I should send it in right away. The provide no escrow analysis, which again was due XX/XX/XXXX They also have not provided me with any accounting showing what my rate would be if I paid the amount and what it would be if I had it added to the monthly. 

By not providing the escrow analysis US Bank which was due XX/XX/XXXX US bank is in violation and is handicapping me with no accounting in which to make informed decisions. This is not very welcome on my behalf and it appears to be totally reckless, disregard to the escrow laws.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: LA
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 asked for verification from the 3 credit bureaus. They stated that everything was accurate. I conducted my own thorough research and saw that there were still improper inaccuracies after I was notified that that the accounts were accurate. These accounts are harming my financial life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Im very familiar with the consumer laws and according to the 13:30 15 U.S.C 1681 ( d ) ( 2 ) ( a ) ( i ) rules of construction-Exclusions 28:30 15 U.S.C 6801- Protection of non-public personal information 31:00 15 U.S.C 6802- Obligations with respect to disclosures of personal information 43:00 15 U.S.C 1692, states that I have rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
Dear Consumer Financial Protection Bureau, I am writing to you today to bring to your attention a serious matter regarding improper credit reporting shown by Experian from XXXX XXXX XXXX XXXX. I have discovered that Experian has marked multiple charge-offs at incorrect dates, and has failed to mark the closed date of my account even after a dispute investigation. This is not fair or accurate under the law, and it is having a derogatory impact on my ability to access credit and other financial services. 

The inaccurate credit reporting shown by Experian from XXXX XXXX XXXX XXXX is causing me significant distress, as it is making it extremely difficult for me to obtain credit cards, a home loan, and even unemployment benefits. Despite having paid and settled and paid on XX/XX/XXXX, multiple charge-offs are still appearing on my payment history, which is affecting my credit score and making it difficult for me to secure credit. The first charge-off should be marked for XX/XX/XXXX and this should be the only marked charge of on the credit report but Experian has not yet fixed this issue even after they request a dispute. 

As a consumer, I am protected by the Fair Credit Reporting Act, which requires that credit reporting agencies provide accurate information about my credit history. The inaccurate information that XXXX XXXX XXXX XXXX is reporting is a clear violation of this law, and it is having a detrimental impact on my financial wellbeing. 

I urge you to investigate this matter and take appropriate action to ensure that Experian is held accountable for their improper credit reporting practices. I also request that my credit report be updated to accurately reflect the payment and settlement of my account, as well as the correct charge-off dates. 

Thank you for your attention to this matter.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2022-05-30
Company: TD BANK US HOLDING COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We were advised by the TD Bank Credit Card representative on XX/XX/2022 that our credit card dispute would take a few hours to a few days to obtain our provisional credit back into our account for case no XXXX. We also provided a ton of documentary evidence to their fax number of ( XXXX ) XXXX demonstrating without a doubt that we were victimized by XXXX XXXX for Reason Codes 30 and 53, ie, " services not provided or merchandise not received, '' and/or " not as described or defective merchandise. '' To date we still have not received our provisional credit. Today when I called in to TD Bank Credit Card I spoke to 3 different morons none of whom could explain why this woman told us that, and then said I needed to wait 90 days ( 3 months ) which is totally unacceptable and unforgivable, especially when we provided documentary evidence also attached herein. Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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:
In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 2023-09-13
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX IDENTITY THEFT UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX credit starting out since XXXX in XXXX then XXXX XXXX XXXX was found Im correct XXXX accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and transunion has found my info correct and removes it but within 2 or 3 days its right back back in XXXX its debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX bank in XXXX XXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it

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 2021-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following account does not belong to me. I have reached out to XXXX, Equifax, and XXXX  several time via mail in reference to this matter. 

XXXX  XXXX XXXX acct # XXXX amount- {$420.00} XXXX XXXX Acct # XXXX amount- {$770.00} XXXX XXXX XXXX Acct # XXXX amount- {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Winklevoss Exchange LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text saying that the phone number I linked to my Gemini account has been removed. After seeing this I attempted logging in to fix that and I was unable to do so. I tried getting in touch with a Gemini representative of some sort and was not able to. On XX/XX/XXXX XXXX dollars was withdrawn from my bank account and I am frantically trying to get that fixed.

Company response to consumer: Closed with explanation