BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I DID NOT applied to any of the cards noted below : 1 ) On XX/XX/2018,  received a letter from XXXX 's informing me that credit card application is denied. The reason given is " too many credit bureau inquiries ''. The cards are for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Credit Card. The credit bureau is Experian. ( Please see # 1 ) 2 ) Also, on XX/XX/2018, received a letter from Bloomingdales 's informing me that credit card application is denied. The reason given is " because you were recently declined ''. The cards are for Bloomindales 's American Express Credit Card and Bloomingdale 's Credit Card. The credit bureau is XXXX. ( Please see # 2 ) Please note that the address is wrong. 

3 ) On XX/XX/2018 I received a letter from Bloomingdales again informing me that credit card application is denied. The reason this time is " Unable to verify identity information ''. The credit bureau is XXXX. ( Please see # 3 ) Please note that my last name and the address is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have already contacted Navy Federal Bank several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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:
I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and Experian, XXXX  and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to Experian and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.

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 2020-05-13
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Nothing. As usual, Equifax demands that I do things their way. They refused to help me in any way. I should not have to order my free report in writing because their so called " security questions '' DO NOT pertain to me or my credit at all. I am trying to verify what is on my credit report so that I can proceed to get a mortgage loan. All 3 credit reporting agencies are a pain in the XXXX to deal with and do not care about the people who work very hard to do what they are supposed to do financially. Why are there 3 of these XXXX companies anyhow? One is plenty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Riverwalk Financial Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Deville Assets Management is currently reporting on a debt, in the amount of {$8900.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Deville Asset Management does not own the debt. I have a contract with XXXX  and not Deville Assets Management.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
It has been 3 weeks and the problem still has not been fixed by Coinbase. I can not access my account and lost a lot of money due to Coinbase delays in resolving the issue! They have emailed me twice with the same information and instructions that they repeat over and over. The steps they are asking me to do have been competed numerous times. They do not give me anything new, other than sending the same script emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: SC
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 filed a dispute to have XXXX showing as paid in full. It was paid in full XX/XX/18 with the last payment. What they have done is added a comment stating account settled for less than full balance and it also show current status collections/charge off which is not correct. It never went into collections. It was charged off. I called the company and was advised that is something the credit bureau is doing and I need to go through them which I have done already. Instead of using an electronic system, they actually need to manually verify and if they did then could have verified the full balance was paid. It was paid in full with the last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I have several collection accounts on my file from a collection agency named IC SYSTEM the accounts are as follows ( ). Please be advised that I am disputing these collections due to the fact that IC SYSTEM has not responded to my requests for debt validation within the required 30 days. I sent IC System letters requesting debt validation via certified mail using the following receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These letters were delivered on XX/XX/18, it is now XX/XX/18 and I have received XXXX communication in response to my validation request. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with proper debt validation from IC System to collect these debts. Your immediate response is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I received feedback from LexisNexis referencing an address where I told lexisnexis that my identity was stolen, and used, the furnisher pacer has stated that they do not supply addresses, please remove this inaccurate ch XXXX bankruptcy # XXXX account from my record, I will include the ID THEFT packet to show that my identity was stolen, along with the local police department and FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery is reporting an erroneous debt on my credit file and it must be removed. They are reporting several medical collections on my credit and they have all been paid. I was told they would be removing the collections from my credit but they have not done so. I have never signed a HIPPA release form for you to even report these accounts. They are therefore invalid and a HIPPA violation. They must be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On Sunday, XX/XX/XXXX, I visited XXXX to view my free credit report. 

After clicking through various pages and inputting what appeared to be required data home address, social security number, debit card number, etc. I saw my credit report. 

On Monday, XX/XX/XXXX, I checked my bank account and saw TransUnion had taken {$21.00} out of my checking account. I called to ask why they did this, and they said I signed up for some monthly service that would bill me {$21.00}. They also explained that while my credit report was free to view, my credit score cost money to view.

At no point while entering my personal information to view my free credit report on www.annualcreditreport.com do I recall consenting to pay TransUnion any amount, never mind signing up for a recurring fee. I told TransUnion to cancel my subscription. 

Later, on Monday, XX/XX/XXXX, after doing a quick search to see if anyone else had encountered this problem, I found dozens of people retelling the exact same scenario on various websites. I called TransUnion again requesting a full refund of my {$21.00} in addition to cancelling my subscription. 

Both times I called TransUnion they agreed to my request and said I'd receive a confirmation email. Thus far, I've received no confirmation emails from TransUnion, and the money has yet to be put back into my account. 

From my perspective, TransUnion is tricking people into paying for a service by following the steps on XXXX. They are willfully conflating the free credit report with the non-free credit score. Again, at no point in time did TransUnion inform me that I was buying something from them while trying to obtain my free credit report. This practice seems outright deceptive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/XXXX I started a dispute of six different items on my credit report. I requested verification and validation of these items and TransUnion has refused to send me the requested information. Instead they sent me credit reports stating the information was verified to be accurate according to FCRA. I then requested them to send me the names of the businesses, addresses and phone numbers of those who have been contacted during the process. I also called and spoke with several different people and stated this is my right under the Fair Credit Reporting Act. Instead of providing the requested information, they stated that everything is computer generated and they could not provide the information I requested. I proceeded to say, seeing as how they could not provide the requested information they should have removed the negative items. On XX/XX/XXXX and on XX/XX/XXXX the situation is still not handled and as ofXX/XX/XXXX I had to put in a third dispute of the items.

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 2020-05-13
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I already have a pending complaint with TD Auto Finance with them deducting a extra payment from my bank account. On XX/XX/XXXX a representative from TD bank called in regards to the previous complaint. He had told me to cancel my fraud claim with my bank which is XXXX XXXX XXXX. I explained TD bank can not refund my money it will take 30 days or even to mail a check will take 5 to 10 days I have other bills to pay and my bank can return my funds by today. At that point the representative told me because I chose to do this thru my bank my TD auto finance account will be charged a overdraft charge per my contract. I explained so TD bank took an extra payment from my bank account and because I want my money back TD bank is going to charge me a return check fee. The representative that called me was threatening in demeanor and I told him I will file another complaint this is wrong and customers should not have to suffer for their mistakes. I never been late on a payment and always paid ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: SECURITY FINANCE CORP
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: Information is missing that should be on the report

Complaint:
I was approved in XX/XX/XXXX for a personal loan at Security Finance XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score. Security Finance states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At Security Finance office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to Security Finance. I was given Security Finance corporate number, called and reported this problem. I contacted credit bureaus. Security Finance DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.

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 2020-11-16
Company: MSCB, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A reviewing a copy of my credit report I consumer ( XXXX XXXX ) realize that there are several innacurries on my report that violate my rights according to the 15 USC 1692. I did not authorize these accounts to be on my report. According to the 15 usc 1692 D " any bad debt furnished on your reports is ruining your reputation and its defamation of character. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
bank did allow me to withdraw XXXX from my retirement deposit for expenses leaving XXXX in my account now my ss check has been deposited but I cant touch it I owe rent money among other creditors and my credit rating is being destroyed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called citi bank in XXXX of 2018. I was told if I made a payment on the phone the amount would be automatically deducted from my debit card and applied to my balance. That didnt happen and I was forced to make the payment through the app as well. I needed to free up a certain balance on the card to make a payment. Turns out both transactions went through and it would have brought my debit card to below XXXX so one of them was declined. They came back and closed my account after I had spent over {$20000.00} in less than 12 months, never missed or had a late 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 2018-02-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has continually reported wrong addresses and SSN for me. 

1. Between XX/XX/XXXX and XX/XX/XXXX, I called Experian several times asking them to remove incorrect address off of my credit report. 


2. On XX/XX/XXXX, I sent Experian a handwritten letter asking them to remove several incorrect addresses and SSN ( attached ). 

3. On XX/XX/XXXX, I sent them another handwritten letter ( certified mail ) asking them to remove incorrect addresses and SSN 's from my report. 

Until this day, XX/XX/XXXX, Experian has failed to remove the incorrect addresses from my credit file.

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 2020-08-29
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-11-29
Company: SYNCHRONY FINANCIAL
State: AR
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXdit Reports. The XXXX Credit Bureau is reporting inaccurate information on SYNCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. There was definitely an error on their part. 

SYNCB/XXXX XXXX Opened : XX/XX/2007 XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Tormey Bewley Corporation
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, CO XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX. has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical procedure information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: AZ
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:
See attachments AND send a copy of consumer report when all negative items have been removed

Company response to consumer: Closed with explanation