BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2021-02-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax should be held responsible because I applied for a XXXX XXXX credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
About 14 years ago, I deposited {$600.00} for a secured credit card with US Bank. I have been using this card ever since until XX/XX/XXXX when I called the bank and informed them I wanted the account closed and my deposit refunded. To my surprise the bank informed me that my card wasn't secured anymore and was operating as a normal credit card. US Bank claimed to have refunded me the money back in XX/XX/XXXX. I am adamant that no refunds were ever received from US Bank. I then requested documentary evidence or a paper trail that clearly shows a check from US Bank or funds were deposited in my account. 

The bank is unable to provide any evidence citing an obscure law that allowed them to destroy banking records after 7 years. They request that I take them at their word and they got no reason to lie to me. I find this very insulting. Its a brazen attack on my intelligence! I called the bank again today XX/XX/XXXX to no avail and spoke with XXXX in Underwriting. 

I also left a message for a manager called XXXX and she called me back stating her agreement with what previous employees had advised me. They stated my only other hope is to write a letter to their US Bank President or send fax. The President cant be reached by email or phone. Their goal is to make it harder for consumers like me to get their issues addressed

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 2021-12-08
Company: EQUIFAX, INC.
State: FL
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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:
Regardless of multiple written requests, the unverified account listed below is still reporting negative on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove this account completely from my credit reports. DEPTEDXXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: FL
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:
In reference to my previous complaint # XXXX. Citibank stated in their letter of XX/XX/XXXX that the {$3000.00} credit would become permanent after XX/XX/XXXX. I have contacted the credit card many times in the last week and was unable to have that money credited to my checking account. I was able to get the previous credit that was permanent transferred to my checking account but not the {$3000.00} Thanks again for all your help. It has been over a year! 
Regards, 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 2015-10-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Made a payment to Citi and the payment was short by {$1.00}. It was a mistake on my part when I submitted the payment using my XXXX XXXX online bill pay system. Our APR has now been increased to 29.99 % because of the {$1.00} mistake on our payment in XXXX. When I discovered the shortage I called Citi and paid the shortage by phone and the representative assured me that our interest rate would not increase. Called Citi when I noticed the increase in APR to request they lower the APR. They refused. Asked to speak to a supervisor and was put on hold for over XXXX minutes until I finally had to hang up because I was calling from work and could not remain on hold any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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:
INQUIRIES FOR ACCOUNTS THAT ARE NOT OPEN ACCOUNTS. DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THEM. I APPLIED FOR A HOME LOAN THIS YEAR ( 2023 ) ONLY AND WAS DENIED DUE TO 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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact TransUnion and XXXX to get this response numerous times and no one wanted to assist TransUnion they are unable to get me an online account to dispute the inaccuracies XXXX will not proplerly complete an investigation I have asked for my original written consent to obtain 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 2021-02-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, Ive been trying to gain access to my Equifax and XXXX personal accounts online and it keeps telling me that my login information isnt correct meaning someone else has gained access to them and changed my contact information. After trying to reach these two credit reporting agencies for several weeks and verifying my identity and information, they never gave me access to my online accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: PNC Bank N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My BBVA account was recently acquired by PNC Bank without my knowledge. PNC Bank failed to notify me of the acquisition as well as any chance to avoid fees. Therefore, I had no chance to avoid the fee of {$2.00} for sending me a paper statement. This paper statement was the first notification I received from PNC Bank. When I called and asked for a refund, PNC Bank refused to comply stating that the fee had been " properly assessed ''. I did not have paper statements when I was with Simple nor did I have paper statements when I was with BBVA. I have closed out my account with PNC as of today ( XX/XX/2021 ) so that they can not charge me any further fees they have not properly notified me of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
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:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX  XXXX and 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 2023-08-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Frontier Airlines processed a credit like they said they would in the amount they agreed to. A month later and with no explanation the put the charge back on the credit card. I reached out to Barclays US and they said they have absolutely no idea why the charge was placed back on the card. They suggested I reach out to Frontier to have the credit re-applied. I did and they said they would again process the credit they reversed, and never did.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
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 summited a dispute. 
I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter account name XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / 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 2023-04-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am the victim of identity theft. The fraudster has identifying information that allows her access to my credit reports with all three credit agencies. I have repeatedly attempted to put credit freezes with all three credit agencies, but the fraudster is able to lift the credit freezes. All three credit agencies have incorrect former addresses and phone numbers ; incorrect emails ; incorrect employer ; and Experian has a security question ( XXXX 's city of birth ) established by the fraudster. 

The problem is particularly acute with Experian. We have attempted to shut down our Experian account and open a new one with new credentials, but Experian has not allowed us to do this. It is almost impossible to contact a live representative and they have told us we have to wait but have not informed us of when and if they take action. Meanwhile, the account remains compromised. 

In XXXX we shut down online accounts with XXXX and XXXX and opened new ones. But the fraudster has already somehow changed the username, email and passwords on those accounts. We believe the gateway for doing this is through Experian. 

Recently the fraudsters have lifted the credit freezes to open credit card accounts with XXXX XXXX  and XXXX. Both companies alerted us and those accounts have been 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 2021-02-18
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, due to a medical emergency that was not covered by insurance, I had to use my money to pay for the procedure and missed two mortgage payments. In XXXX, for two months, I made my regular mortgage payment and an additional payment which should have brought the account current. I have not missed another payment since that time. The mortgage lender has not properly credited my account. The lender at the time was XXXX XXXX. The sold the loan to Midland Mortgage. They continue to send me letters stating I am three months behind ( they count the current month ) and inform me that I am on the brink of foreclosure. I have been in my home since XXXX. I have sent them information to show them where those additional payments were made, but have been unsuccessful in my attempts to get them to properly credit my account. They want me to do a loan modification, but i have no desire to start my loan over again and I should not have to do that. If they did not credit those funds to my account, where did the money go? I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Affiliated Collection Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Madam/Sir, CFPB : This important matter is in regards to a letter dated XXXX, XXXX XXXX, from a debt collector company. They Want me to pay the amount of : {$40.00}. I asked them on a telephone conversation on : XX/XX/2023 when I spoke with a Lady that refused to give me her name. I Wanted to Dispute the debt because I wanted them to send me the name and address of the original creditor and/or Hospital. However when I Checked my records I told the unknown Lady from the debt collection company that my Insurance company, MEDICARE had paid the amount of the debt and that I did not owe anything to the debt collector and/or the original creditor and/or Hospital. I respectfully request from the debt collector not to, HARRAS ME OR THRETEN ME ANY MORE. And not to call me any more, and NOT TO CONTACT ME NO MORE. If they have any more questions they can contact my LAWYERS. Thank you very much for your assistance in this important matter. Respectfully yours. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. XXXX CARD 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 2021-08-11
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I didnt receive my Avant credit card until the end of XXXX. That is when the card was first activated. On XX/XX/XXXX I logged into my Avant account and there was no balance due, no statement and no pending transactions. The very next day on XX/XX/XXXX I log in my account it shows I am over my limit on my credit card, no pending transactions, and no statement available. I called the customer service line and I was informed my statement would be available in 2-3 business days. To much of my surprise I am trying to get someone to identify how my account was over the limit with no pending transactions showing or transaction history showing for the statement period ending on XX/XX/XXXX. This is the first time my card has reported to the credit bureaus and it dropped my score 20pts with a utilization of 111 % this has adversely affected my credit due to shady reporting tactics of Avant credit card company. I was finally able to identify why my card was pushed over the limit from an Annual fee of {$39.00} that was posted on the same day of the statement ending date. I dont have a problem with the annual fee however, shouldnt a consumer be notified ahead of time like other major credit card companies on this billing cycle we will be adding your annual fee? 

This is not a good experience starting out with Avant I have paid the overlimit fee down. However, I dont like that I couldnt see my transactions to identify all charges for the statement period were correct per the Fair Credit billing act I should have access to these charges at all times. 

I am uploading pictures of my account from XX/XX/XXXX with no transaction history or statement. 

I was told I would have to wait 14 days before I am provided some sort of an update from a resolution team and this is not acceptable

Company response to consumer: Closed with explanation