BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MO
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. The failure to respond has negatively impacted my credit and caused difficulties for m. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NY
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 discovered in XX/XX/XXXXXXXX  that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXXXXXX  for my mortgage with XXXX XXXX XXXX XXXX. 

At that time, I had a XXXX XXXX  that required that I XXXX XXXX for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX  at multiple and extended periods between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was unable to communicate with XXXX XXXX XXXX XXXX  to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to XXXX XXXX XXXX XXXX as the mortgage servicer that I was experiencing a COVID-19 hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX. 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the XXXX XXXX, I had an on-time payment history with the XXXX XXXX XXXX XXXX since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being XXXX XXXX XXXX XXXXl.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My CoinBase account was frozen due to hacking issue in the beginning of XXXX. I was locked out and can not access my account or any of the money that I had in the account. The CoinBase Case # XXXX was created. I had since requested to regain access to my account multiple times since XXXX. I have received emails from CoinBase asking me to provide ID for verification, which I did on XX/XX/XXXX. Then on XX/XX/21, I was asked to create a new Coinbase account, which I did. I have still not received a response or resolution since then. I am waiting for CoinBase to verify my new account to my old account so that my money can be transferred into the newly created CoinBase account.

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

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..

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 2021-09-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted XXXX repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.

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 2021-03-16
Company: U.S. BANCORP
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-10-27
Company: DISCOVER BANK
State: LA
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:
Discover account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my Discover account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020, account was closed it was a joint account that i had for a minor. My daughter is now XXXX and I ask for my name to be taken off the account. But my name was not taken off the account. Checks were written not by me and I am being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX pulled my credit on XX/XX/2021 and again on XX/XX/2021. Only the XX/XX/XXXX pull was authorized. 

I called them in the XXXX  of 2021 when I saw the second pull on my report. They have not removed this unauthorized pull as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: General Motors Financial Company, Inc.
State: IL
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 was offered a settlement of XXXX dollars ( which I paid ) to settle my account with GM Financial. I also have written documentation that states " our client ( gm financial ) will report the account has been resolved for less than the balance '' ( XXXX XXXX ). Instead of reporting the account accurately, they reported my account as if if I STILL HAVE A BALANCE DUE ( XXXX and XXXX XXXX ). This mistake dropped my credit score XXXX pts. I disputed this, reached out to GM Financial regarding this and within a week they reported the account as " XXXX missed payment '' and that my payment is currently late ( XXXX ). THIS IS AN INACCURATE report and a FCRA violation in which they fail to understand. This second mistake caused my credit score to drop XXXX more points ( IMG XXXX ). This makes XXXX sense IMPORTANT FACTOR : This account was charged off XXXX yrs ago in which I already took a hit to my credit for at the time. 

There is no way I should be penalized XXXX  times especially after paying the agreed upon settlement. In the least bit XXXX shouldnt have lost any points. 

Since I paid the settlement balance and have in writing they would report the account as being resolved, I am looking for Gm Financial to erase this account off of my credit report returning my credit score back to normalcy. If Gm fails to resolve this I have no problems getting lawyers involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
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: Information belongs to someone else

Complaint:
I have been victim of identity theft, An identity theft report has been filed with the FTC filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Please remove all non accounts holding inquiries and send me a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CA
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:
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. XXXX XXXX : # XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing these information. The information Im disputing are INCORRECT & I NEED THESE MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these ITEMS and ascertain that the DATA FURNISHER had a permissible purpose, and are able to verify my complete file information including full name, address, date of birth, and SSN #. Here are the items that you must removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXG XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to deposit XXXX dollars a few weeks ago. The machine ate my money and timed out. I had no credit to my account!!! So I called the bank and the police and I was credited a few days later for XXXX. I got a letter about a week ago saying that they conducted an investigation and there was no error on the machine but the cameras will not lie!!! 

So now my account is minus. I am XXXX on XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I also never got {$300.00} bonus for opening my account. The branch manager never returned my call. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a negotiable instrument sent to the Westlake financial payment sept to pay off the loan of my car. I requested that we over pay that way any hidden taxes or fees are paid for. The XXXX XXXX department that handles the payments for Westlake Financial denied my negotiable instrument and kept the property without sending it back, they only sent me copies and not the original that was sent. I will attach what Ive sent including the tender instructions, negotiable instrument, and the affidavit I sent. I also attached XXXX of XXXX letters they sent in a week span stating my balance.

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 2023-10-24
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been a Citi Bank customer for a few months now, but my account was recently closed without any prior notification. I have been trying to get an update on my account for days now, but no one has given me any information. Despite my repeated attempts to contact them, I have not received any response. Today, on XX/XX/2023, I talked to a representative who informed me that a case has been opened as per my request and I will receive a call back within XXXX days. However, when I first called on XX/XX/2023, I was told that I would receive a call within XXXX hours about the status of my account, but no one has reached out yet. My case number with the XXXX XXXX XXXX is XXXX and the XXXX XXXX XXXX email is XXXX I have requested several times to receive a check with my account balance via mail, but my requests have been denied. Additionally, I have been hung up on during my attempts to get in touch with someone regarding my account.

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 2023-06-22
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/XXXX I wrote to XXXX  with the attached letter, They have not responded nor corrected any of the inaccuracy that I have pointed out. 

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. 

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 an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 my account at USAA was hacked through the XXXX XXXX. The folks that hacked my account would deposit money into my account and then take money out for a total {$8000.00}. I notified the bank at the time of this as I was getting notifications on my phone of what was going on. Whom ever did this was also deposited checks into my account and therefore has caused me to not be allowed to use my account or be able to speak to anyone about my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account XXXX : XXXX Has violated my rights 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 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 conviction of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: CITIBANK, N.A.
State: CA
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:
I ordered an item on XXXX on XXXX XX/XX/2020. When the item came, it was nothing like the description. It looked very different. I contacted the seller, and they agreed to refund the item if I sent it back to them and took down my negative review. I sent the item back, and provided the proof of USPS certified mail. The item was delivered, however the seller refused to refund the item saying they never got it. I filed a chargeback with Citi on XXXX XX/XX/2020, explaining that the seller had falsely advertised an item, and was still refusing to refund my money even after I cooperated with returning the item.

I provided the proof of shipment to Citi, however they refused to take action, stating that there was nothing they could do unless I could have the seller tell them that they were willing to accept financial responsibility for the item. This was frustrating to me, as I had already shown them conversations with the seller stating they would refund my money if I sent the item back to them along with the proof that I had sent the item back. 

I contacted Citi multiple times in XX/XX/2020, explaining my problem to them and that it was ridiculous that they could only take action against a fraudulent seller if that seller admitted to fraud. Every time they gave me the exact same, word-for-word response that they could not do anything unless the seller told Citi directly that they would take financial responsibility for the item.

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 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation