BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got my annual credit report and noticed Home depot/Citi bank reported late payments to the bureau on my account, when I never had a late payment. I called their collections department at XXXX to inquire why this was the case. They told me that there was no record of a late payment. I then requested for them to remove the late payments information reported to the credit bureaus from my history but they refused, insinuating that they are unable to do that. But they were the ones who initially falsely reported late payments to the bureau.

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 2023-02-21
Company: EQUIFAX, 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:
I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: VA
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 recently challenged the validity of XXXX XXXX XXXX account thats being reported on my Experian credit report. After challenging this collection with XXXX. The account was subsequently deleted and removed based on the lack of ability to verify the accuracy. I noticed as A result of challenging this account with Experian you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. 

If the account isn't removed this will indeed result in small claims legal action against Experian at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting 's ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of the account. Your response should not be " The account is not on your report ''. My report has been refreshed and as of today it is. See attachment.

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 2023-01-12
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hi, I have a mortgage with Rocket Mortgage, and for the month of XXXX, my XXXX payment made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Prior to it bouncing, I put the account in COVID forbearance because I knew it was going to bounce. ( XX/XX/2022 ) The forbearance was approved, the payment did bounce in the approved forbearance time period, I generated the capital to pay XXXX and XXXX. 

I scheduled that payment on XX/XX/XXXX for 2 months and informed Rocket Mortgage to close out the forbearance because I was making the payments. 

The Rocket Mortgage person said, and please verify this on the phone records, " if these XXXX payments don't go through, we will record a late payment. '' I said no problem at all. 

Since, I closed on a HELOC, and in XXXX, Rocket Mortgage decided to make the XXXX payment late causing adverse credit decisions. 

I have all documents recording these conversations and Rocket Mortgage has the phone call recordings. 

I wish the CFPB will look into this matter and review all evidence I am presenting here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This complaint is to notify you to remove the disputed items in my credit report for they are fraudulent and must be dealt with immediately. 

Please remove the following items immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : PXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX  Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$390.00XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX said and showed I was late on a payment which is incorrect. The card isnt even activated but all payments were automatic. It was a XXXX XXXX XXXX XXXX, not my information that was negatively reported, please remove from my credit profile

Company response to consumer: In progress
Consumer complaint received 2020-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 reviewed my XXXX  credit bureau report on XX/XX/XXXX. The report shows a late payment was made on Bank of America Visa signature card for the month of XXXX. 

I like most consumers have been affected by Covid 19 global Pandemic and ensuing economic slowdown. Our business was effected and in short my payment for XXXX was also late. As such I requested assistance from Bank of America. They were unwilling to offer me any assistance with regard to late reporting. As my business has recently bounced back I was able to pay off some of credit cards, and I would like the account as either flagged as being effected by the natural disaster or be in a position to be considered an account in good standing. 

As the world continues to cope with the impacts of the COVID-19 crisis, government officials throughout the U.S. have taken important steps to curb the spread of the virus. At the same time, many businesses, financial institutions and government entities are stepping up to provide some relief to those who are worried about their financial security. 

Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. XXXX  supports the CARES Act and is urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This erroneous reporting is a violation of FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Company response to consumer: In progress
Consumer complaint received 2023-01-18
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX around XXXXXXXX XXXX XXXX phone was stolen at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX. The phone included an XXXX XXXX XXXX credit card, M & T debit card ( x XXXX, joint account for XXXX and XXXX ). ATM pin was not enclosed with debit card and NY driver 's license. 

M & T was notified @ XXXX XX/XX/XXXX of fraudulent activity on XXXX 's debit account, 5 non-M & T ATM transactions, in total {$900.00} and 6 non-M & T inquiry ATM fees, in total {$19.00}. The overall amount was {$920.00}. M & T immediately provided a provisional credit of {$920.00}. M & T XXXX XXXX XXXX XXXX is an Investment Banking Analyst in XXXX. 

XXXX has never been able to take more than {$100.00} from a non-M & T ATM -- -how is this possible that these 5 non-M & T transactions for over {$900.00} were approved by M & T in one block of time?

The weekend ABs phone was stolen she consequently replaced her phone ( see attached replacement bill ), her NY license ( see attached replacement documentation ), M & T debit card & XXXX XXXX XXXX credit card ( see attached replacement documentation ). XXXX XXXX XXXX credit card already had XXXX fraudulent transactions totally about {$110.00} before the card was frozen. All deemed fraudulent by XXXX XXXX. 

Dated XX/XX/XXXX, M & T sent a letter saying, " after a review of your account and thorough investigation, we have determined that these transactions in question were processed correctly, and no error has occurred '' Therefore we are denying your claim, # XXXX ''. " The provisional credit was reversed on XX/XX/XXXX '' XXXX XXXX, XXXX called to request claim # XXXX be reopened ( contacted XXXX ) - XX/XX/XXXX contacted XXXX that we had additional documentation, and we were instructed to go to the nearest M & T Branch and fax the documents to request the claim # XXXX be reopened. That same day, M & T Branch ( XXXX XXXX XXXX XXXX, NY XXXX ) faxed to XXXX the following replacement documentation : XXXX XXXX XXXX XXXX replacement phone, XXXX XXXX XXXX credit card and New York drivers license. 

XX/XX/XXXX contacted XXXX contacted M & T for a status and NOTHING has been done to address our claim and no follow-up dates have been provided.

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 2022-06-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX  account XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A.States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have given money to clear XXXX XXXX  who then stored it with XXXX XXXX and they provided no service and agree to pay me back. However when they agreed to pay me back I had called chase had them dispute {$1000.00}. So the. XXXX XXXX returned the money they had minus this XXXX and then chase decided to give the money back to them. But XXXX XXXX claims they could not accept the money again. They say that chase is holding onto it. Now I am late paying my rent, and my account is insanely negative. They claim to be investing but what is there to investigate? You can look at my account and see they tried to give the money back. I dont get why everyone wants to play games with my money. Its fraud and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
In XXXX I opened a credit card with the Bank of America and since that, I set an auto payment with the total amount every month and had no single missing monthly payment with them or with other creditors in my whole life. 

My Statement balance on XX/XX/XXXX was {$7.00} and for some reason, the bank removed my auto payment so that amount was not paid as usual and I never know that. 

The following month ( XX/XX/XXXX ) the bank charged my account {$0.00} as interest for the {$7.00} that was not paid due to the removing the auto payment by the bank, and in XXXX they charged my account {$0.00} for the same reason without noticing me that my account has a problem that needs attention. When I realized that I paid the full amount immediately. 

The problem is that was reported to the three credit bureaus as a late payment for more than 30 days and that affected my credit score and has decreased by XXXX points for the late payment of just {$7.00} after dealing with that bank for XXXX years with no even single problem or delinquency. 

I contacted the bank to explain that was a mistake by them to remove my auto payment and I would never make a delinquent and destroy my credit history for just {$7.00}, they refused to solve the problem by sending any notice to the credit bureaus removing that and showing that was their mistake and not mine. 

I disputed that with the credit bureaus but they said the information that was reported to them by the bank is accurate and correct and they are not able to do something until the bank is sending them a notice saying that was their mistake. 

The bank made that mistake and I pay for it, they destroyed my credit score and my credit history for just {$7.00} while my credit line with them is {$5600.00} with a good standing and clean history, That is odd and ridiculous! 

I am asking you to investigate that and let the Bank of America send a notice to the three credit bureaus to remove the late payment from my credit history and fix my credit score that was affected by that.

Thank you!

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 2023-11-16
Company: EQUIFAX, INC.
State: GA
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 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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 2021-08-26
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
There was a phishing attempt made on my Coinbase account about 3 weeks ago, roughly XX/XX/XXXX. I put a temporary hold on my account as coinbase instructs customers. When I tried contacting them to open my account back up they told me to change my password. I followed this instruction and when i tried logging back in, it told me coinbase locked my account. I've tried repeatedly to contact coinbase about the procedure for unlocking my account isn't working and they REFUSE to call me even after I emailed and sent my number to them 3 different times. Any publicly listed company that refuses to respond to consumer complaints and account issues needs to be fined and DE-LISTED. This is literally legalized theft, they have my funds and refuse to give me access to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2019-12-16
Company: Total Recovery Services, Inc
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The bill in question was for approximately {$1200.00} for emergency ambulance services. The bill was paid in full in XXXX to XXXX XXXX XXXX XXXX. On XX/XX/2019 I received a letter from XXXX XXXX  XXXX, XXXX ( Total Recovery Services ) that they had been asked to collect a debt owed to Total Recovery Services for {$21.00}. We called the number in the letter and asked to speak to someone regarding what this {$21.00} was for and who Total Recovery Services was as we had never received anything from them. The person who answered the phone asked me to provide the name of current employer. As I still had no idea who it was I was calling or why they sent the letter, I refused to provide them that information. They refused to speak to me unless I told them who my current employer was. As this point, I was extremely suspicious that this was some sort of scam and terminated the call. My wife later called the number and was told the same thing, that the person on the phone could not discuss the account unless they were given the name of current employer. She asked them why they needed the information and was told that they were using it to verify my identity. She informed them that they did not need that information and offered to verify another way. They refused and terminated the call. She then attempted to contact Total Recovery Services directly and was given the same exact run around from what sounded like the same person ( meaning that Total Recovery Services directly and was given the same run around from what sounded like the same person ( meaning that Total Recovery Services and this XXXX XXXX  XXXX  were the same people ). At this point we were certain it was some type of scam. This weekend, I checked my credit report that comes with my credit card bill and was shocked to see a 100 point drop in my credit score XXXX to XXXX. An online search showed that this Total Recovery Services had turned me in to the credit bureau 's for a debt that has never been verified and that I highly doubt even exists. At this point I will likely pursue further actions with FTC and state Attorney 's office. I have already filed a complaint with the XXXX  XXXX  XXXX. I have also disputed this with the credit agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation