BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I call Transunion and sent certified letter to remove unauthorized inquiries

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 2020-06-02
Company: EQUIFAX, INC.
State: CO
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 XXXX account open in XXXX reporting as open in XXXX was included in a bankruptcy fouled in XX/XX/XXXX and is reporting as delinquent with a past due balance of {$450.00} and I would like the account to be removes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
I am trying to get electricity at my home through an energy provider called XXXX XXXX. The energy provider will not give me electricity until they can check my Experian credit. I have tried the one time pin and the temporary credit freeze lift. I have repeatedly tried talking to someone at Experian and their phone system does not allow me to speak to a person. I NEED someone to help me. I would like electricity in the hottest month of the year.

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 2018-09-26
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called Citi Bank XX/XX/2018. My request was that they please keep the interest rate where it is now, as I can not keep paying the minimum payments while the Interest rate keeps increasing. The account was closed ( myself ), and I have been making the minimum payments and never have been late. 

They refused to either keep the Interest rate where it is now, or take lower ( reasonable ) monthly payments. 

I informed them that if they don't work with me the minimum payments will be too much. I have offered them {$80.00} per month and please keep the Interest rate where it is. 

This is my obligation and I do want to pay it. I am not looking for a way out, it is my responsibility. Just please, work with me with in this matter. 

The response was this : They can not help UNTIL I make a payment that is LESS than the minimum due. At that point, it may be determined that there are financial difficulties. Why do I have to go to that extreme in order to receive help and cooperation? 

Would Citi Bank please, please be reasonable? 

Thank you for your time and consideration.

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 2022-01-06
Company: CREDIT ACCEPTANCE CORPORATION
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: Reporting company used your report improperly

Complaint:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

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 2023-08-20
Company: EQUIFAX, INC.
State: KY
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, this Creditor has Violated my Rights. Under 15 USC 1681 sec. ( 602 ), states ; I have a Right to Privacy. Also, 15 USC 1681 ( 604 ) sec.2, states ; A consumer Agency CAN NOT furnish an Account without my written consent ( of which I never gave ). 15 USC 1666 ( B ) furthers states ; that a Creditor May Not treat a Credit Card consumer plan that is open-ended as late, for ANY Purpose! Please Remove All credit card consumer plan late payments from my credit report as this a clear violation of my Rights under stated Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a payment plan with XXXX and they still continue to call myself as well as my family members about this debt almost daily. We had to get new phone numbers because they continued to harass us. They have never validated this debt either to me and I only decided to pay this account in hopes they would leave me alone. I have contacted them multiple times regarding this and they deny that this is happening. When we answer the calls they refuse to tell us who they work for unless we verify who we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the XXXX  XXXX. I arrived to the XXXX  at the state of XXXX  at the end of XX/XX/XXXX and ever since I lived in the state of XXXX. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX  to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a 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 2022-09-03
Company: EQUIFAX, INC.
State: MD
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:
Recently, I did an investigation on my credit report found unverifiable, invalidate, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: BARCLAYS BANK DELAWARE
State: NC
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:
XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. 

My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-08-05
Company: Chime Financial Inc
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Right before midnight eastern standard time on XX/XX/XXXX, my chime account was hacked into. I was awoken by alerts on my phone. These alerts stated that there was a new login attempt from A device that I do not use, my email on my chime account had been updated, and the phone number on my chime account have been updated. The phone number was changed to a Nebraska phone number. I live in New Hampshire. I also did not recognize the email address that it was changed to. The alerts also stated that there was a transaction decline in the amount of {$100.00} because it was an international transaction. Ive never allowed international transactions on my account in its entire history. The alerts also stated that there were XXXX transactions totaling {$1000.00} taken from my account. The hacker had gained access to my account, transferred the money from my savings account to my checking account and then to my credit builder account. The transactions that were fraudulently taken came out of my credit builder account. The merchant came up as XXXX. I am not sure what that even means, and chime cant tell me either. I was in possession of both of my chime cards, they never left my possession, I never shared my login information with anyone, and I do not have my pin written down anywhere. I reached out to chime immediately that evening around midnight to suspend my account. They advised me to send proofs to their customer service email address, which I promptly did the following morning. They finally re-enabled my account with a new email address and password this morning on XX/XX/XXXX. I went into the app and disputed the XXXX transactions totaling {$1000.00}. Within 10 minutes, the disputes were denied for no error found. I dont think a proper investigation can happen within 10 minutes. I tried to call back in and dispute it further, but they are not being helpful at all. I have provided ample proof that my account was being hacked, and I am getting absolutely nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CITIBANK, N.A.
State: CA
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 have been an account holder for the account CitiBank closed for many years. I am a diligent user of consumer debt and I have not used the account for over 2 years. Citibank, without notice or opportunity address the usage of the account, closed the account in XX/XX/2018. I had a high credit limit and the closure of the account negatively effects my credit score as I am attempting to purchase a home and any reduction of my score could effect the mortgage offer rate and will potentially cost me thousands of dollars over time. they offered to reinstate my account but would have to run a new full credit report which will also negatively affect my score and have the same negative impact. I find entirely adverse to a customer relationship for the vendor to close an account without any notice at all ; they could have simply sent an email or a letter. As we know the vendor is obligated to send a yearly letter on their privacy policy, how is it that they can not simply advise the customer of the pending account closure and to suggest action if the customer does not wish for it to happen. the vendor states that in their terms and conditions it states that they can close the account at anytime for any reason but I initiated this account many years ago and well before the creation of the CFPB. what customer, if any keeps their original terms & conditions to reference an arbitrary condition? I believe if a creditor is going to make and adverse closure to an account, they must inform the customer prior to the closure. I would like to see a resolution and/or for creditors to be expressly advised about making a prior notice prior to closure. Thank you for all that your department does on a daily basis.

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 2021-02-10
Company: Bread Financial Holdings, Inc.
State: MT
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:
When applying for the card, terms were indicative of a general use credit card. Points were earned at a certain rate for in-store purchases and a different rate for outside store purchases. I was approved and received my card two weeks later. When attempting to use the card at a grocery store, it said the card was declined. Upon contacting customer service via secure messages through their website, I was informed the card I received was only for in store purchases. When I called to cancel due to this issue, I asked about this issue and the customer service representative told me that if you do not qualify for the one that can be used outside the store, you will automatically be sent the instore only card. I never received documentation I did not qualify for the original offer ( no adverse action notice ). I was never told I was receiving something different than the offer I signed up for ( no counter-offer ). I was just sent the different card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
You advertise a FREE report on line. Even three reporting companies. This is XXXX. When I filled out your information twice, you did the same thing. Played like you were trying to load the reports then said, I could fill out forms and order them!!! I am XXXX XXXX XXXX, XXXX, lived at the house I built, for 20 years, lived in a mobile home at this address, while building the home. It is a 2 story Brick home, at XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. My phone is XXXX XXXX. I would love to see if there is anything Negative on my always perfect credit. I retired, as XXXX XXXX, of XXXX XXXX and XXXX XXXX from the XXXX  business, after 50 years, in the XXXX Business. I have been XXXX, since XXXX. I was XXXX of XXXX XXXX, corner of XXXX and XXXX XXXX, until I sold it XX/XX/XXXX. Was a XXXX  and XXXX, XXXX XXXX  XXXX for 40 years, for exercise, for my health, until XX/XX/XXXX, when I had a XXXX   XXXX. Just wanted to see what my credit report says about me at age XXXX. I owe no one, except current bills, XXXX XXXX, XXXX, etc., they are paid in full each month by bank Draft. XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation