BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}

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 2018-01-13
Company: EQUIFAX, 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:
XXXX  has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This toll free number keeps calling early in the morning all day and through the evening. 
XXXX. They call on my home phone @ XXXX, or my cell phone number @ XXXX. I have no idea who is calling because I do not recognize the phone number.

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 2019-04-08
Company: SYNCHRONY FINANCIAL
State: MO
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:
A few weeks ago, I remitted a payment to XXXX XXXX XXXX for a minimum payment of {$180.00} dollars which was submitted on my due by date of XX/XX/19. The payment was an on time payment, and wasn't late. Two days prior, I made a deposit at bank with my paycheck of a large sum of money, and later found out that my check was coded incorrectly while depositing it. The paycheck wasn't clear to deposited into my account on time due to a banking era, which was caused by mishandeling the check improperly at bank. It caused my payment at XXXX XXXX XXXX alone with some other payments I had made, to return as insufficient funds on all my accounts I had paid out. I put the funds into the bank in good faith to have my bills paid on time. After I found out some days later, that the bill wasn't paid, I went to the XXXX Store here in XXXX XXXX, Mo. to pay in person and instead of paying the minimum payment, I paid {$1900.00} dollars on the account to get caught up. Two days after I paid {$1900.00} dollars, XXXX closed my account and gave me a thirty day late payment on my credit file. I've had this account for over two years with no thirty day late payments. Not Even One ... I pay my bills on time. It's not my fault the bank made an era on their part. I would like to have this late payment removed and my account restored.

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 2018-01-13
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:
XXXX has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XXXX/XXXX/XXXX and certified mail XXXX on XXXX/XXXX/XXXX. We are now prepared to take legal action if this is not resolved immediately.

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 2022-08-14
Company: EQUIFAX, INC.
State: TN
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 would like to state that Equifax is in violation of 15 USC 1681 ( a ) ( 3 ) you assume this role you didnt have permission so not only it is not permission you didnt have my consent. 1681 ( a ) ( 4 ) there is a need too ensure that consumer coordinates exercise their grade that means life or death not about too die in responsibilities of fairness Impartiality respect for consumers right too privacy. 
1681 ( b ) ( 2 ) I the consumer never instructed them too furnish this report or too create this report and never consented too this report and the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: AZ
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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: WA
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:
I have called and sent letters to Equifax. My credit report shows 2 Hard copy inquiries. I have documentation which was sent to Equifax.. First one is XX/XX/2018, my debit card was compromised. Second one XX/XX/2018, my other debit card was compromised. The one dated XXXX, XXXX XXXX XXXX sent a letter from their fraud dept to have the hard copy inquiry removed due to fraud. The first one was a television company the people were wiring money through this company to XXXX, via XXXX XXXX washington, I called the commanding officer on site also to let them know what had happened, this account just to fix my debit card was time consuming. The one in XX/XX/2018, my account was fixed the next day, but the hard copy has still remained on my account. Calling is a nightmare, no one speaks English very well and I have been hung up on, told they need more information, they have my ss #, my address name and on and on, I get we are sorry we can not help you and we never received any letters, XXXX XXXX XXXX XXXX someone tried to purchase 2 cellphones, XXXX XXXX XXXX told me the password did not match so the transaction was stopped but hard copies had already been pulled. I am trying to purchase a house and was told to contact CFPB to help out. Since XX/XX/2018 I have been fighting them with NO success. Help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: AZ
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.

XXXX XXXX**** XXXX XXXX XXXX   XXXX XXXX/XXXX/XXXX XXXX**** XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-04-08
Company: Bread Financial Holdings, Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me on XXXX three times in a row. XXXX through XXXX. They also call leaving threating voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wire withdrawals marked " transaction completed '' on XXXX XXXX and XXXX XXXX made from Coinbase to verified savings. However the funds never came through and I have been unable to reach Coinbase support by phone or email. I have additional funds in Coinbase that I am now afraid to withdraw because {$5000.00} in wire transfers have seemingly vanished out of thin air and I have been trying to reach support for over two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am enrolled in the PSLF program through IBR. I had to refinance my loans with XXXX XXXX to enroll in PSLF, which charges high interest but I was hoping would be worth it. I have moved and taken dramatic changes in salary, as has my spouse. XXXX XXXX has not provided with me information to make sustainable payments according to my income bracket, and I can not afford to pay at all. They have been unresponsive to contact, and I have been forced to defer payments for the last 10 months waiting for them. They seem to lose my documentation or keep telling me to resubmit it again and again, although I have many times. All the while, they charge me the interest and it accrues while waiting for them. I am not sure how anyone can afford to get a Masters degree at all. PSLF was the only hope I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.

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 2019-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX still sends incorrect information I was paid in full and closed

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 2019-05-13
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft due to a data breach. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several fraudulent accounts all of which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I have place my dispute in with all the consumer reporting agencies via mail, yet to no avail.

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 2018-01-13
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I was contacted by XXXX XXXX and informed that my account was overdue. The account had been set up on autopay previously and there are 10 years of on time payments to show for this. I immediately paid the balance due to the technical error of the missed auto payment and XXXX XXXX removed any associated late payment fee and agreed to pull this from my credit report as it was a technical error. XX/XX/XXXX my credit report is reflecting a 60 day past due balance for XXXX XXXX on XX/XX/XXXX - which does n't add up in the first place because it does not show a 30 day past due in XX/XX/XXXX. In fact, when looking at the attached statements, the charges in question were from XX/XX/XXXX and when you look at the XX/XX/XXXX statement you can see the payment was applied on XX/XX/XXXX, the day I was contacted by XXXX XXXX that this account was overdue and realized the autopayment had not gone through. I was told by XXXX XXXX when I made this last payment on XX/XX/XXXX that this would be not be put on my credit report and that the late fee and interest would be removed. When I pulled my credit report in XX/XX/XXXX I did not see the 60 days late marked on this account for XX/XX/XXXX, however it has now reappeared there and my credit score which had gone back up in  XX/XX/XXXX/XX/XX/XXXX has now come back down again in XX/XX/XXXX. This is the only blemish on my credit report and is directly responsible for the 120 point  decline in my credit score. Upon contacting XXXX XXXX again XX/XX/XXXX about this  issue I was informed that my balance is actually negative, that they owe me money, and yet they are reflecting this as a delinquent account 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 explanation
Consumer complaint received 2019-07-22
Company: SYNCHRONY FINANCIAL
State: VA
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 have paid the account in full back in XX/XX/2016. but after I have been having porblem on my credit approvals and refused for credit line, loans. I pulled my credit report and I found Synchrony Bank was reporting the account and as charge off and wrong late payments for 2 years damaging my finances and credit score therefore my life. causing hardship. 
As i called to dispute it with credit bureaus requesting removal of the incorrect payment statue and incorrect payments history from my credit report. their response was that they contacted the Synchrony Bank and was verified. 

I m requesting a full removal of the account 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 non-monetary relief
Consumer complaint received 2019-04-08
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 fraud alerts or security freezes

Complaint:
Experian is requiring exposure to identity theft in order to have the security freeze temporarily lifted. I tried to get the security freeze temporarily lifted in order to apply for a new credit card. After providing ALL of the information requested over Experian automated system ( including my social security number and Experian Pin number ) the automated system said that in order to have the freeze removed I would need to send them, via US Mail, my social security number, date of birth, proof of address such as a utility bill. It is absurd to request that people put this information in the US Mail, which is unsecure. It seems that Experians intent is to increase the risk of identity theft. This is probably to mask the breaches in Experians security system. In the event of identity theft ( due to breaches in Experians security system ) Experian would be able to point to the reckless behavior of putting this sensitive information in the US mail. I could not get to speak to an actual person at Experian. So I am in the situation of have no credit report unless I recklessly put myself in danger of identity theft.

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 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX I opened a Capitol One Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint I have filed, the first was closed due to Chase properly recording payments for all of 1 month. They keep accepting payments but do not credit them to my account and it looks like I am behind on my mortgage. They stopped recording payments on XX/XX/10 with the exception of 1 payment made on XXXX. I am attaching the bank records with the payments made and the bank statements that as you will see don't capture the payments being made 2 times a month. 

Just for clarification, the payment of {$1300.00} that you will see credited on XX/XX/10 was made through a different bank account and is not on the list from XXXX XXXX so no payments since XXXX have been credited. I don't understand why they can't straighten this out!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Congress Collection has reported to my credit that i have unpaid. as soon as i received a letter from them only stating they were attempting to collect a debt, i submitted that to my attorney who stated they needed to provide documentation within 30 days. over 90 have gone by and i have not received anything from congress collection. no phone calls or letters. i requested proof of validation and by them not submitting it within 30 days and then reporting me to my credit bureau is a violation of the law. this has damaged my credit score at a time i can not have it damaged. i need immediate assistance in the matter as i am attempting to get a mortgage and with this illegal reporting affecting my score i am unable to.

Company response to consumer: Closed with explanation