BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-12
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately.

2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

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 2022-07-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2020-07-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Experian reports credit inquiries. Scores based on the number of credit inquiries is really absurd and companies using this score ( based on number of inquiries ) refuse credit but then the number of inquiries goes up by another one. 
Making it harder to get credit from another company. 

Example : My XXXX XX/XX/XXXX Credit Score was XXXX as reported by ( XXXX XXXX XXXX XXXX ) On XXXX XXXX I applied for XXXX XXXX  credit card. I was refused saying the number of credit inquiries is too high in the last 2 years and a Score ( FICO score XXXX ) of XXXX? 

* I have an annual salary greater than $ XXXX * NO liability * Only 2 credit cards ( all paid of monthly - no defaults ) The denial was shocking - to say the least. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ), One by XXXX ( XX/XX/XXXX XXXX XXXX was denied ). Rest is 4 credit cards in XXXXyrs. 2 of them closed. 

Now that XXXX XXXX  has refused - it adds to another credit inquiry, so the next financial company will XXXX saying..you have 7 inquiries.

Should the number of inquiries form a part of the 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 2020-11-30
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
My account was requested to be closed by me and was officially closed and purged on XX/XX/XXXX. I received a refund to a purchase of {$1800.00} that was made before the account was closed and purged. The credit of {$1800.00} was issued by the vendor on XX/XX/XXXX. I have not received {$1800.00} back from the credit card company as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I'm XXXX, I have a gift card that I can't uesd. I called to report my card on XX/XX/XXXX, the customer service gave me a case number : XXXX, on XX/XX/XXXX I followed their request, subjected my name and case number, And uploaded my card, receipt, and my driver 's license, sent to this email address : XXXX, but no one responded to me, I sent again on XX/XX/XXXX and XX/XX/XXXX, still no reply me, I have called them 3 times. On XX/XX/XXXX they said they didn't receive it, I uploaded a few more times, called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and told me to call back again in 24-48 hours to them, I have to wait 30-40 minutes each time to get in the phone but nothing can help me, still let me upload again or wait again, I called 3 times in this month, uploaded 6 times of documents, but no one replied to me, still said that they could not receive my documents, it isn't my problem, they couldn't receive my documents, but my money can't be used in the card, please help me to solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2018-03-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR
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:
On XX/XX/2018 citizens bank enter a hard inquiry on my credit report. I never gave them permission or did I ever contact these people on any service. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 15 U.S.C 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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-02
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the SECOND time this has happened with this company. 

This time, it is an XXXX XXXX XXXX bill. 
XXXX Acct : XXXX Afni Acct : XXXX {$35.00} balance due. 

Just like last time with XXXX, I called the one who is allegedly owed a debt, XXXX XXXX XXXX. 
They said that the account number wasn't a correct account number and therefore couldn't verify anything. I confirmed that they had no number with the name and they sent me to a fraud reporting line. 

I tried calling AFNI. They sent me to a supervisor 's line, but the supervisor wasn't there and it went to email. 

Please keep me informed on the results of this complaint in case I wish to pursue legal action. This is the second time I've had issues with this company. Last time, they threatened legal action against me if I didn't respond within a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-11-07
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: Account status incorrect

Complaint:
XXXX and Equifax failed to verify the accuracy of the account XXXX XXXX XXXX  .The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My recent loan application with Better.com was denied after being pre-qualified and two weeks of processing. 

I was pre-approved on XX/XX/XXXX by mortgage lender Better.com. I went into contract on the purchase of a home on XX/XX/XXXX. My application was denied on the XX/XX/XXXX. 

Better stated they were denying my application due to a singular 30-day late payment on my credit report. I appealed their decision and provided proof the 30-day late payment was an oversight and not indicative of a trend. My credit score is ~XXXX. 

I'm complaining because 1 ) Better should never have pre-qualified me in the first place for a jumbo mortgage because they knew full well what was on my credit report as early as XXXX XXXX. 2 ) During the rate lock process Better went so far as to compete for my business by removing all points and origination fees after I told them I was going to proceed with another lender. Better wasted my time and put my purchase transaction at risk. The process is already stressful enough and they acted carelessly. 3 ) I don't believe they evaluated my application fairly. I suspect they denied my application for profitability reasons as they are pre-IPO. They used a minor infraction on my credit report as an excuse to deny a loan they weren't going to make any money on. 

Note : even after explaining the late 30 day payment was only a 34 day late payment of {$9.00}. I was able to demonstrate to Better that I have continually paid my credit card off in full. They were not satisfied with this explanation. They claimed they were following investor guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: GA
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:
Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.

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 2023-04-04
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I'm in a difficult situation because Citi bank is holding my {$75000.00} and closed my account without returning my balance for the past two months. 

I opened a savings account with Citi bank in XX/XX/XXXX, and deposited {$75000.00} to earn their promised cash bonus of {$1000.00} after keeping it there for 90 days. 

On XX/XX/XXXX, after completing the 90 days, I tried to withdraw some of my money to another online bank. The next day, I noticed that Citi bank had rejected my withdrawal transaction and locked my account instead. My account became inaccessible, so I contacted their customer service, and they informed me that they had decided to close my account due to security concerns. They said that they would send me a letter with an explanation within 30 to 60 days and a check for my balance thereafter. 

It has been 60 days since I was informed of the account closure, but I still have not received any letter or my money back. They have also not paid me the promised {$1000.00} cash bonus. 

I believe that Citi bank purposely locked my account and has been using my {$75000.00} for five months now. 

Could you please help me with this situation? 

my account information in Citi bank is Account No : XXXX Name : XXXX XXXX Cell phone : XXXX Addr : XXXX XXXX XXXX XXXX, XXXX, CT 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 2020-11-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I opened the XXXX XXXX  account and got a loan with them in XX/XX/XXXX, shortly after, my bank card that they automatically withdraw fees/payment from was compromised. I immediately reached out to them through their app, and updated the payment method. When I saw it did not automatically withdraw on the due date I called them to see why. They told me it had not updated in their system and that they would waive any late fees if I just paid right then. So I paid all of the payments right then. After updating my payment method over the phone with a person, I never had any issues with payments being taken out of my account and was paid in full by XX/XX/XXXX. I recently got a subscription for experian and saw they were reporting I was late more than 30 days almost 6 months in a row. This was impossible! I reached out to them and they would not remove this from my credit report, and said I would have to dispute it. They have still not removed this inaccuracies to this date.

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 2022-07-08
Company: EQUIFAX, 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, the below accounts have violated my rights. 

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

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

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX OPENED XX/XX/XXXX CHARGE OFF XX/XX/XXXX REPORTING PAST DUE AMOUNT

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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this is my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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