BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/2021, I accidentally didn't have the amount of money in my XXXXXXXX XXXX  account to pay the automatic billing I set up for the statement balance ( {$830.00} ) of my Citi Costco credit card. I then contacted Citi customer service via chat on XX/XX/2021. With their help, I coordinated a manual payment to make up for the failed payment on XX/XX/2021. The customer service representative confirmed that I was taking the right steps to fix this issue. However, on XX/XX/2021, I noticed that Citi attempted to charge me for both the manual payment, and had the automatic repayment try to re-charge me again. This resulted in having {$830.00} taken from the checking account on XX/XX/2021, and a second and third attempt to extract another {$830.00} on XX/XX/2021 and XX/XX/2021. These XXXX attempts failed, causing {$25.00} each in overdraft fees. I spoke to Citi on XX/XX/2021 about this and they only told me that they failed to get payment on XX/XX/2021, implying XXXXXXXX XXXX failed to pay them. I checked with XXXXXXXX XXXX  and confirmed that they did pay Citi. Citi did not tell me at this time that they were charging me twice. They also told me that the statement was paid and they would no longer attempt to charge my account. They then attempted to extract the second payment again on XX/XX/2021, this time successfully drawing {$830.00} from my account, in contradiction to their previous statement that they would stop charging my account. The end result was that Citi charged me for the same amount twice, and this unexpected charge led to {$50.00} total in overdraft fees. They also took {$830.00} from my account that I had not planned on giving them at that time. They then proceeded to deny me reimbursement for their mistake and told me that the fees were from XXXXXXXX XXXX and they could not reimburse me for those. They also deflected on returning the {$830.00} they took from me, until I ultimately conceded to allow them to apply it to my next credit card payment. They did not take responsibility for the double charging, even though I followed a procedure I specifically asked them was okay. They denied reimbursement for their mistakes. They denied make mistakes, and shifted blame onto me when I was specifically following a procedure I had verified with them to handle my failed payment on XX/XX/2021. Their customer service was outrageous at times constantly shifting blame onto me and XXXXXXXX XXXX I was extremely dissatisfied with how Citi handled these issues. Citi also did not allow me to get chat transcripts of my conversations with their customer service, I was only able to get them by copy and paste, which was annoying.

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 2023-01-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax on XX/XX/23 to report unauthorized inquires and wrong addresses on my credit file. I show 5 inquiries that I did not authorize to be pulled : XXXX XXXX, XXXX from XXXX, XXXX XXXX XXXX XXXX, and XXXX. 
Wrong addresses of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative I spoke with Equifax Customer Service refused to correct my file by deleting the unauthorized inquries and removing incorrect addresses on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent etters into the three credit companies XXXX, XXXX  and Experian. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXX and XXXX XXXX account number XXXX the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been  successful.

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 2019-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It's not my accounts. I don't have any agreements, contracts with this companies. I believe that somebody used my personal information and opened cards on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX Inquiry Date XX/XX/XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXXXXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable
procedures were not taken to ensure the accuracy of the information given by CAPITAL ONE before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.

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 2019-08-14
Company: Experian Information Solutions 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:
PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT???!! 

XXXX XXXX XXXX : THERE ARE A TOTAL OF 3 ACCOUNTS REPORTING UNDER COLLECTIONS AND IT IS REALLY AFFECTING ME. THE BALANCES ARE OF : {$0.00}, {$350.00} & {$1100.00}.

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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have a auto debt reposesion since 2010 in my credit report. Is more than 7 yrs.

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 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I received an email about a previous claim that still has not been handled. 

I received paperwork that needed to be filled out, so I filled it out and sent it back. Still has been no resolution on the fraud investigation from what seems like way longer than 90 days ago.

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 2018-04-04
Company: BRite Financial Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX/Carite markedXX/XX/XXXX on my XX/XX/XXXX report. I tried to contact XXXX/Carite directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to XXXX/Carite XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well 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 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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX  and some account that don't even have a name but the account # XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well 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  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 2019-08-14
Company: Experian Information Solutions 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:
WHY IS THE CHAPTER XXXX. BANKRUPTCY STILL REPORTING ON ALL THREE CREDIT BUREAUS? THERE IS NO BALANCE ALTHOUGH THEY'VE ALREADY BEEN DISMISSED AND HAVE BEEN OPEN SINCE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PLEASE PROVIDE ME WITH ACCURATE, VERIFIABLE AND COMPLETE INFORMATION AS TO WY THESE ACCOUNTS ARE TILL REFLECTING NEGATIVELY 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 2020-09-08
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX applied for a mortgage refinance with rocketmortgage.com and approved on XXXX with a lock rate of 3.375 % plus 0.75 % points. 

By XX/XX/XXXX all required paperwork was completed and we ( wife and I ) were awaiting a closing date, they initially had an anticipated closing date for XX/XX/XXXX. But since then the company has continually missed the lock rate date and reset the closing process further out since the rate had to be recalculated each time. 

In all we were given about six or more more possible closing periods and they missed closing by each one ; about 2 in XXXX, 2 in XXXX, and 2 in XXXX and now they have in the last 3-4 weeks not moved the closing along so missed the lock period for XX/XX/XXXX. 

I have spoken to them by phone, email, message board and online chat over a dozen times now and each time they apologize and say they will get the process issue solved and each time they have not been able to follow thru. 

This has been the worst experience I have ever had during a closing! It appears their hand off between the departments are failing and no one is taking responsibly to fix the process. Today is XX/XX/XXXX and I still have not been given a closing date, even though it been about 10 days since we last was told we should be all set to get a closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX ACCOUNT XXXX IS APPEARING FRAUDULENTLY ON THE BIG 3 BUREAUS.THE FRAUD CREATED BY ORIGINAL CREDITOR IS EXPLAINED IN DETAIL IN THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: MI
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 reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and Service at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got an alert this morning XX/XX/2021 regarding something was added to my credit file. I checked my reports and notice a collection reporting on my XXXX and XXXX credit report from a company Consumer Adjustment Company I do not recognize. This company has violated my right under the Section 15 USC 1692e 2 ( a ) ( b ) false or misleading reporting FDCPA. I also never received any notice written notice or notice by phone phone that this was an attempt to collect any alleged debt, also my right to dispute this alleged debt was ignored. I have not validated this debt and only me as a consumer can validate any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ACCOUNT FOR TOYOTA MOTOR CREDIT CORP.. ( ATTACHED ) XXXX WAS OPENED IN XX/XX/XXXX AND CLOSED ON XX/XX/XXXX ITS BEEN 7 YEARS ALREADY AND THIS ACCOUNT ITS HURTING MY FICO SCORE, NOT LETTING ME BUILD MY CREDIT AND AT THE SAME TIME VOIDING ME THE PRIVILIGE TO BUY A HOME..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly a late in XX/XX/2017 on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) XXXX XXXX XXXX is responsible for sending timely mortgage payments to XXXX XXXX on my behalf. The XX/XX/2017 payment from XXXX XXXX XXXX was late and XXXX XXXX did not receive the payment until after the due date. Consequently, XXXX XXXX zinged me with a late payment. I contacted XXXX XXXX XXXX and spoke with a woman named XXXX who was the Regional Manager of Sales and XXXX at XXXX XXXX XXXX. She researched my account and discovered that yes, in fact, this payment was sent out late and that it was clearly an error on their part. This incorrect reporting of a late payment is harming my credit score and XXXX XXXX XXXX needs to please contact the ( 3 ) bureaus and have this late payment removed from my credit report. I have also contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.

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