BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: PA
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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions

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 2023-11-29
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not liable for this debt ( chargeoff ) with Citibank and do not have a contract with XXXX They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, XXXX, Or something to prove the account ownership, Citibank wanted me to open the mail from my previous house which i couldnt do, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased XXXX American Express XXXX cards online via my XXXX account on the XXXX app. A {$100.00} American Express egift card was purchased in XXXX XXXX and the other, a {$25.00} egift card in XX/XX/2023. Both cards allowed me to make several transactions online ( I made purchases at XXXX, XXXX etc ) and then randomly stopped working out of the blue, getting declined both online and in store despite both of them having remaining balances. The first card bought in XXXX has not worked since early XXXX, and the second card bought on XX/XX/XXXX stopped working the very next day after I bought it. I have contacted both XXXX customer service AND American Express and the only offer of assistance has been from XXXX who reissued the gift card ( S ) to me to see if that might resolve the issue but it did not. XXXX and American Express both confirmed I have a balance on both of the cards however American Express isn't able to offer me any resolution or reason as to why the cards aren't working and they tell me to contact XXXX. XXXX tells me to contact American Express. I just want my money that's on the cards, one has a balance of {$11.00} and the other, a balance of {$15.00} and it has been impossible to get any further help from either company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
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 had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX XXXX ( c/o : XXXX XXXX XXXX XXXX ) Account Type : XXXX Amount due : {$610.00} Date placed on my report : XXXX  Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
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 had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXXXXXX XXXX Account Type : CHARGE OFF ( Closed account ) Amount due : {$1200.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do have a vehicle with bridge crest, I did speak with a representative know as XXXX XXXX about this matter and was told do not worry about it. So all of a sudden this item was put on my credit report so I asked to see contracts etc so they send me information Im the mail to send a copy of my social security number and asking for my drivers license. No Im not complying with this fraudulent activity sending my personal information to them. Not comfortable with that at all.

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 2023-06-20
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citibank savings account on XX/XX/23 and deposited {$51000.00}. Per the email after you deposit {$50000.00} you will get a {$450.00} bonus if you maintain that balance for 60 days. I currently have {$71000.00} in this account that I opened on XX/XX/23. It's going on 5 months and citibank still has not paid the {$450.00} bonus. I've made 3 phone calls to citibank regarding this and they tell me I opened it in the wrong savings account. I opened the account through the email I was sent which offered this bonus and I still have the original email.

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 2022-10-02
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: Account information incorrect

Complaint:
the XXXX XXXX account # XXXX XXXX  just reporting on my credit report has an inaccuracies that makes this report invalid!! date last active TransUnion XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX PLEASE DELETE THIS INVALID DEROGATORY ACCOUNT THAT IS HURTING MY CREDIT SCORE 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 2021-07-23
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a garnishment email from my employer on XX/XX/XXXX, never knew about this. Apparently this loan was taken out in XXXX, with no attempt to contact me after XXXX debt collector states they attempted to send me docs, but all were " sent '' to an address i have not been at since XXXX. My concern is that my addresses have been kept up to date with the state, and why after XXXX no attempt to contact me or collect, i then get a 4 day notice and have XXXX dollars garnished from my check. i never had a chance to dispute this case or even come up with payment arraignments. i then contacted the attorneys office that was handling this case and they said they would reduce the cost to 15 %, that never happened. I am now in a position where I dont have enough income to pay my rent,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: R.A.Rogers, Inc.
State: MD
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 R A Rogers inc 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 written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: MI
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:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXX AFNI ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 student loan account : XXXX that Experian is reporting as included in a bankruptcy, closed and a late payment XX/XX/2021 ( showing on both ) I spoke with XXXX XXXX and they stated that I should dispute it and it would be updated I dispute twice and Experian never updated. During this pandemic student loans were forbearance and should have never been reported as negative. I want these accounts updated to reflect the correct information.

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 2019-11-22
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I refinanced my car loan with another institution and paid off the original loan. That was in XXXX. I have called the original institution because 2 months later my loan still shows as open. My credit score dropped XXXX points because it looks like I have 2 car loans. I called again today and they told me to bring them my credit report to show that it is still open. I cant go because they close when I left off work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received a collection notice from my township in the mail on XX/XX/16, stating that our property taxes had not been paid and that additional late fees had been added. After contacting the property tax/escrow department at my bank and mortgage lender ( M & T Bank ) they informed me somehow in their department they entered an E instead of a D for the parcel number ( despite being provided the correct documentation and number from my end ). They used MY escrow to pay for an adjacent Unit 's property taxes. A person in the department submitted a tax delinquency form which will take up to 14 days to review. It is not until after that, they said, that I can then try and submit claims/paperwork to get the penalty fees paid for or submit a complaint. 

This has now taken me over 24 hours to figure out, something the bank was not even aware of until I called. And now will resort to weeks of stress and additional phone calls/emails that I have to deal with all because the bank messed up.

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 2023-06-01
Company: EQUIFAX, INC.
State: DC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written  Portfolio Recovery Associates  several letters asking them to verify and to remove a debt that is not mine. In addition, I asked them to provide me with the original contract between myself and the original creditor. In return, PRA asked me to send them additional information to help them verify the debt. It is not my responsibility to help them verify a debt that is n't mines. PRA does n't have any of the necessary paper work to prove this is my debt, yet they will not remove it from my credit reports and they are still trying to collect this debt. In fact, they have even threatened to sue me. The debt is less than a {$1000.00} and the PRA is located in different state than me. Thus, the cost to hire an out of state lawyer would be much more than the {$800.00} that they claim I owe. This is clearly a scare tactic and this company is violating the FDCPA in several ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: CA
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 I placed an ordered through the BestBuy website for a couple of items which one was the XXXX XXXX to be able to pick it up at the store. When I arrived at the XXXX XXXX store, they said they did not have the item and it was already sold. Because of this I opted to buy the XXXX XXXX at a different location which was the XXXX XXXX store in Florida. When I went to make my payment on the BestBuy site, I noticed the balance owed was more than it should have been. Came to realized that I was being charged twice for the XXXX XXXX for the amount of {$1000.00}. I called and filed a fraud claimed after being informed at the store to do so since it shows that the laptop was picked up on XX/XX/XXXX by me. But this was not the case since I was actually working that day. This has not been resolved since it happened and Best Buy is unwilling to return credit simply because it shows on their system that the item was picked up by me.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, 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 a account without my written instructions

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 2023-08-18
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:
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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts 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