BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I pay {$450.00} per year for Amex 's consumer credit card, the XXXX XXXX XXXX  card. The terms of the card is that in return, I will receive a XXXX point free night certificate every year between 8-12 weeks of my account opening. I opened this credit card on XX/XX/XXXX, which Amex has confirmed and acknowledged. XX/XX/XXXX was my 1 year account anniversary. 12 weeks, the maximum time a customer should have to wait to receive the certificate, was XX/XX/XXXX. I STILL have not received the free night certificate, which was promised to me per the terms of paying this high annual fee. I have tried to escalate my case with Amex, and they brush me off saying my dates are wrong, work it out with XXXX, etc. 

Their customer service reps are awful and can't resolve my case. I'm holding up my end of the bargain. Why is Amex dishonoring the terms? As a result of their tardiness, I'm unable to book the hotel that I'd planned to use the free night certificate for. I'd have been better off never paying for this card 's annual fee in the first place and booking my hotels on time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company XXXX XXXX XXXX, XXXX says that they brought my account from Synchrony Bank in the amount of about {$1400.00} dollars they also reported it to the credit agencies which has caused my credit rating to go down for the second time for the same charges for XXXX  that were not made correctly and of no use to me. XXXX XXXX refused to refund the money to the Synchrony bank credit card that I used to purchase the dentures and Synchrony refused to be fair with collecting the charges and took a one sided approach about who should repay the debt.

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 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?

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 2023-03-13
Company: Experian Information Solutions Inc.
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 reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00}

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 explanation
Consumer complaint received 2018-05-11
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
coinbase.com - isnt ' their a us law that states that i an institution holds your cash, they are no way shape or form allowed to keep you from yourn cash? when obama wasa prez, you had him going to florida and tell those law ppl their fired and he endforced the laws but now you got a pseudo banking institution which has my cash in their institution. i orgot the password for the account and dont ' remember the password for the email address. so i called coinbase.com at XXXX XXXX XXXX XXXX so i give her my name password, and then shes ' like last 4 of your phone number., im gon na fax you some personal identificatrion and shes like we cant conrtinue if you cant give me your last four of your phone number ; so i go, gim me an email address, ill send you 17 ids and my ssn and i go, excuse me itrs my cash you cant no youre not allowed to not give me access tro my money, so i finally go do you have a supervisor i can talk to and shes like sure and hung up. my name is XXXX XXXX XXXX XXXX XXXX nys XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I accordance with the fair credit reporting act XXXX Account # XXXX, 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 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 non-monetary relief
Consumer complaint received 2023-04-24
Company: SLM CORPORATION
State: NY
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:
This loan was paid in full and still impacting my credit negatively and I have asked multiple multiple times for it to be removed and its never removed from XXXX, XXXX XXXX and 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 2019-08-05
Company: EQUIFAX, INC.
State: MA
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 disputed two inquiries on my credit report with the data furnisher and the data furnisher replied to me telling me that they were going to send a request to Equifax to have the two inquiries in question deleted from my credit report. This was around two months ago and still the inquiries are being reported on my credit report. I dont know why equifax wont delete these inquiries if the data furnisher is telling them to do so, I have the response from the data furnisher and I will include it in this complaint. The inquiries are XXXX   and inquiry dates are XXXX/XXXX/2018 and XXXX/XXXX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GreenSky , LLC is the worst company besides XXXX XXXX, who uses them. I have called and emailed GreenSky and XXXX numerous times and marked as urgent and they ignore me. They say I owe XXXX  of dollars in debt and my stress level has gone through the roof. Their customer service is unsympathetic, barely qualified, and ignorant. They made a {$200.00} service turn into a XXXX debt out of nowhere. They said they needed a HIPPA form that they sent to me returned by email and they sent me a form I couldn't even electronically sign. I asked at least 7 times if I could get a docu-sign form but they kept making excuses. They couldn't even open my file in PDF even though they sent it to me in PDF format. I used XXXX Fill and Sign and  GreenSky claimed they " couldn't open it ''. My husband tested it and it worked for him. They are outright liars and thieves who steal from people who live off a XXXX check, like myself. Nothing is adding up and I am sick. They already made me pay {$1000.00} for {$200.00} worth of treatments and no matter how much I called XXXX or GreenSky, they threatened that I had to pay, anyway. Fraudulent evil corporation. I attached files that make no sense from GreenSky, and XXXX XXXXXXXX XXXX District Manager won't return my messages. They will not get away with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Here 's a revised version of the form : On XX/XX/XXXX, I contacted XXXX regarding inaccuracies in my credit report. Despite my initial communication, to date, there has been no response from XXXX. 

The account listed below is not mine, and I request its removal from my credit report : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) The following accounts were never late, and I request the correction of this inaccurate information on my credit report : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$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 2020-10-23
Company: EQUIFAX, INC.
State: NY
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:
According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full  name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Quality Asset Recovery LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not aware of this collection which I recently noticed on my credit report. I was never contacted regarding this collection by Quality Asset Recovery nor XXXX XXXX XXXX XXXX. I have written to the bureaus concerning this negative information on my credit report to have it removed. 

QUALITY ASSET RECOVERY XXXX XXXX XXXX XXXX XXXX XX/XX/2014 {$440.00} {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Citibank account online on XX/XX/2019. I received a debit card, and the checking account. I made two deposits in the account. Because i was told if i didnt, the account would automatically close in 30 days. To my knowledge my account was open. My employer sent me a XXXX transfer for {$2500.00} on XX/XX/2019. I called because although i saw the money, i couldnt transfer the money to my XXXX  XXXX XXXX account. I was told that i had to upload my ID, social security card and utility bill. 

The next day someone called me and said, everything was accepted except my utility bill. I explained to them, i have no utility bill, its in my roommates name.. and the building just sent out a letter saying that utilities starting in XXXX will be included in rent. They told me i could send in the utility bill thats in my roommates name, as long as the address matches the address on the account. I explained to them. Rent is due and i need to pay my rent. I also explained to them that a late fee will be applied. They said everything takes 5-10 business days. 
My issue is if my account wasnt all of the way opened, or if any account is opened online.. where is a disclaimer saying that your account is not fully opened. And why take deposits until you gather everything you need to make the final decision. I plan on going to small claims court and suing for XXXX.. because this is absurd. No one has yet to help.. i have even contacted the ceo of Citibank, and no reply or call back XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CITIBANK, N.A.
State: PA
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 am writing in response to the incorrect reporting of a fraudulent settlement by Citibank, specifically regarding the unauthorized settlement of my account with XXXX XXXX XXXX XXXX XXXX I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses without taking action with the agencies to correct the reporting. 
I would like to re-emphasize that I never authorized or accepted any settlement agreement for the account balance of {$1600.00}. I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses on the incorrect settlement terms. 

As previously communicated, I did not engage in any phone conversation on XX/XX/2020, with XXXX XXXX XXXX XXXX, nor did I accept a settlement or schedule a payment of {$1000.00} to be processed on XX/XX/2020. The settlement credit of {$670.00} that was applied to cover the remaining balance on XX/XX/2020, was also executed without my knowledge or personal consent. 

I demand a correction of the inaccurate information reported to the consumer reporting agencies. As a result of this unauthorized settlement and incorrect reporting, my credit profile has been negatively affected, and I have suffered financial harm. This has been going on for 2 years now with Citibank. As previously requested, the least Citibank can do is report this account as closed, not as partially paid. Please correct the reporting of this to the agencies urgently. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, 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 2021-03-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Im struggling to pay my credit card balance as I do not get paid the same amount as I did before the pandemic. Citi Bank spams my phone with calls 4-6 times a day everyday and it comes up in my phone as spam. Ive also had a issue with citi back taking over a thousand dollars out of my account during XXXX because it was an end of a promotion and they charged my card interest for two years and when I went to call to resolve issue I had to wait over a month and a week to get my money back. When I initially called they said that they put me on a Expedited List and I would have my money back in 5 days but it took over a month. When I couldnt wait anymore I called my bank to file a dispute and my bank gave my money back the same day and the next day Best Buy citi bank issued my refund ... what a coincidence. Then I had to refund them the payment they sent me immediately. They made it extremely hard for me to get my money back and now I cant make payments to citi bank with my bank because I filed a dispute with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have filed multiple CFPB complaints over the past few years to have the fraud protection removed from my credit reports at XXXX XXXX, and TransUnion. Creditors are still having problems gaining my credit information at my request because these credit bureaus will not remove the fraud protection at my repeated requests and CFPB complaints. These credit bureaus are holding my credit hostage with their non-compliance.

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 2021-11-05
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2021 at XXXX AM I received a call from XXXX XXXX XXXX claiming to be discover card about my account. I have no account with them and the caller tried to get me to divulge private information. Additionally I am on the do not call registry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I logged into my account on XX/XX/2020 to see that my accounts were closed. I immediately called Citi to see what the reason was and they told me that they had determined to close them after a maintenance review and that my spending and payment patterns were not what they want to see from someone using their cards. I requested reinstatement of the accounts and was told that this was a final decision.

I always paid my cards on time and rarely let them close with a balance and, when I did, I paid them immediately.

I received no official communication from Citi for the closures of my cards as well, violating a basic expectation of the relationship.

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