BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed the transaction on XX/XX/2019 for {$290.00} with XXXX  XXXX  XXXX. We returned the whole order within the return period of 90 days on XX/XX/2019 via XXXX XXXX " XXXX ''. The carrier indicated the package was delivered. But we never received the refund, and citi bank charged us back for the returned item.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
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 am reaching out to bring to your attention some hard inquiries that have recently appeared on my credit report. After reviewing the report, it appears that there are some entities attached to me at the bottom that need to be looked at more closely. 
As you may know, hard inquiries can have a negative impact on one 's credit score, and I am concerned about the potential consequences of these inquiries. I would greatly appreciate it if you could investigate this matter and provide me with any information or guidance on how to address it.

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 2021-10-10
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello. 

On XX/XX/XXXX I was a victim of Identity theft. Someone got into my e-mail address and my XXXX account, and through that got into my Gemini.com account. I caught the problem within 20 minutes and got control of my e-mail back, but the thief had changed the e-mail address on my Gemini account. I have the e-mail trail of this which means I can identify the e-mail address the thief changed it to as well. 

I tried to contact gemini through several avenues including XXXX, e-mail and through their website help section. That last one got a response. I got an e-mail telling me to change my password and asking a few basic questions. I told them I could not change my password as I was locked out of my account because someone hacked it and changed the info on it. They then told me they were temporarily locking my account and would escalate this to " another team ''. I asked them how long that would take to no response. I asked them for any timetable at all to no response. I asked them if I had a support ticket number to no response. They have completely stopped responding to me. 

So then I turned to XXXX and messaged @ Gemini on Friday XX/XX/XXXX. I told them all of the above. The XXXX account told me it would be escalated to " Customer support '' and someone would contact me soon. I asked how long soon may be to no response. I asked if that meant today to no response. I asked the next day the same thing to no response. I asked again today to no response as of yet. 

I have even tried this morning messaging one of their mods on XXXX to no response yet. I do not want to wait months for this account to be unlocked and returned to me. I have screenshots of all of this if you need it but it says right now not to include personal information and it has my e-mail addresses and so on in them. I can provide them if you want.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2019-06-12
Company: Experian Information Solutions 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 status incorrect

Complaint:
sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX  reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline 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 2023-05-09
Company: Experian Information Solutions Inc.
State: NY
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:
I recently accessed my credit report because Im in the market for a house and I see two fraudulent accounts on credit report. The following accounts are to be removed immediately ; XXXX XXXX XXXX and XXXX XXXX. Never had either of those accounts they are an act of fraud.

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 2023-05-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/2019 A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. ALSO SOME OF THE COLLECTION AGENCIES ( XXXX  XXXX  XXXX, XXXX, ON MY ACCOUNT DO NOT EVEN HAVE THE RIGHT TO COLLECT IN MY STATE WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX and I'm including it again. 

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 2018-08-28
Company: U.S. BANCORP
State: OH
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:
On XX/XX/2018, US Bank accepted my credit card dispute against XXXX XXXX ( merchant ) for failure to render services ( involving online social media web traffic and advertising ) as agreed in the amount of {$3400.00}. 

I provided a personal detailed letter in the filing of my dispute, and I also followed up with additional letter and documentation on the official form they sent to me to fill out. In that letter was a copy of email correspondence in which representatives for XXXX XXXX XXXX company stated that after a year or so their attempt to provide the services paid for had failed and they were no longer going to try, and they offered to " bait and switch '' to other products/services the buyers. 

I never received any other correspondence from US Bank for additional information to clarify what was disputed. Moreover, I never receive any information that the merchant had provided information to counter my dispute. I am of the understand that the merchant did NOT reply to my dispute. 

However, in a letter dated XX/XX/2018, US Bank denied settling the dispute in my favor and recharged my card. US Bank claimed that insufficient information was provided by me support my claim of failure to render services/product as agreed. 

Upon receipt of that letter, I sent back a reply asking for the matter to be reviewed and settled in my favor because no addition information was requested outside of the form that needed to be filled out and returned ( which was returned ). As well as, there was no evidence the merchant had provided anything to counter my dispute, which was properly and legally filed, therefore the dispute legally should be settled in my favor. 

As an additional method of appeal I have filed this complaint with the CFPB.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Experian Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, 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 2019-11-11
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit report and noticed there was a collections account from LVNV Funding. On XX/XX/19, I sent a letter to this collection agency asking if they could validate the debt. They did not respond. Instead I received a letter from Resurgent Capital Services dated XX/XX/19 stating they are a collection agency collecting on behalf of LVNV Funding. I then sent Resurgent Capital Services a letter on XX/XX/19 asking them how could a debt collection agency be collecting on behalf of another collection agency and to validate the debt. I also sent another letter to LVNV Funding once again asking them to validate the debt. On XX/XX/19, I received a letter from Resurgent Captial Services stating after their investigation they are closing my account ; however, as of XX/XX/19, I still have not received a response from LVNV Funding and the account is still listed on my credit report ( XXXX  ). I sent my final letter to LVNV Funding today XX/XX/19 and is asking CFPB to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
Hello, XXXX and Equifax have been reporting a bankruptcy on my credit file for XXXX  years ago. I have asked them both how they verified this information. Both bureaus replied that they used XXXX XXXX to verify this information. I disputed this bankruptcy item with XXXX XXXX and on XX/XX/2021, I received a letter from them stating they have removed the bankruptcy item from my report. XXXX XXXX has removed this item but XXXX and Equifax refuses to delete the item from my credit report even though I have sent them proof that XXXX XXXX has delete the unverifiable item. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: ENCORE CAPITAL GROUP INC.
State: CO
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:
In XX/XX/XXXX paid off account, then in XXXX received a letter stating that I had a balance of over {$12000.00}. In XX/XX/XXXX I disputed the balance and received in XXXX I received a letter stating the charges were fraudulent. In XX/XX/XXXX received a phone stating that this account was sold to midland credit management. I explained to them the situation and they wouldn't hear me out. Asked them to investigate this as fraud and they stated they would and get back to me. XX/XX/XXXX received a phone call stating that the balance was still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
I purchase a Mattress through Mattress Firm on XX/XX/XXXX XXXX XXXX location XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA Phone : XXXX I was told by a Mattress Firm representative that Synchrony Bank would mail me account information to be able to make payments. It is XX/XX/2021and Synchrony has failed to send me account information so I am able to make payments. I have called customer service a total of 4 times to try to resolve the issue. However, the issue persists and it has not been rectified. I tried making a payment with customer service and they wouldn't take my payment, they also wouldn't send me to account information via E form or pdf. The issue at hand is that they have failed to send me correspondence with my account information on 3 different occasions. Moreover, I requested a supervisor and requested the credit card/ account information be sent out to me via certified and priority mail so I am able to track the mail and they told me they weren't able to do that. Every 7-10 business day period I have called them informing them they have failed to send me account information. I expressed to Synchrony Bank that I have received mail from Mattress Firm and that's the same information that has been provided to Synchrony Bank. Synchrony provided me a time frame to wait for a " new card/ account # ''. I am supposed to be making a payment every month, and this is being reported to the XXXX, this is interfering with my livelihood and I have tried to resolve the issue with the company on various occasions, which are preventing me from following through with my contract. Synchrony Bank is breaching our financing contract.

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