BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
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:
On or about XX/XX/21, I attempted to purchase a pair of lamps from XXXX using a Citibank credit card. I never received the lamps, the website disappeared, and its social media disappeared. I then attempted to dispute the charge of {$29.00} with Citibank. Citibank initially issued a credit and claims to have contacted the merchant. Today, I received a letter from Citibank denying the dispute and refusing to issue the credit. Citibank also enclosed what it purports to be the merchant 's response. Interestingly, that sheet lists the " Business Description '' of the merchant simply as a friendly " XXXX. '' Sure seems legit. 

This is absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 USC 1681 section 602 i have the right to privacy.

According to 15 USC 1681 section 604a section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

My accounts on all Credit bureaus XXXX, XXXX, Equifax are incorrect, If there is anything i did not include please add it in there for me.I want XXXX per violation and removed from my account with the maximum credit score adjusted immediately on all three credit bureaus. How is it they are all " supposed '' to have the same rating/scores but when i checked none are the same. The open date is inaccurate one says XXXX the other says XXXX, that in itself is a violation and it shows up 7 different times so thats 7 violations in XXXX  loans and it also needs to be removed right away, price owed on my school loans are inaccurate ( all 3 bureaus are inaccurate ), my Derogatory Accounts are all off ( only 2 match ) my Delinquent Accounts are off ( only 2 match ) Closed Accounts ( all three are wrong ) Open Accounts ( all 3 wrong.. XXXX, Equifax, XXXX ) Total Accounts ( all three wrong ) Inquiries ( 1 wrong ). If im missing anything please add it in for me.. Like misspelling of my name, first and last and middle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX : no : 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 2017-08-25
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants, whom I 've never done business with, put a false negative account on my credit report. I called and spoke to a representative of DC who could n't provide any pertinent details to warrant their actions but still insisted that I owe them $ and threatened to ruin my credit if I did n't pay them immediately. I asked for a copy of any contract that they had on file with my signature and details of their claim. They said that they did n't need to provide any of that. I proceeded with the guidelines of the FCRA and forced the credit bureaus to remove this account when DC could n't produce the legal documents required. 
One month later, DC reapplied this account to my credit report, still without the required documents. 
The dispute process has started all over again, meanwhile this derogatory account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NJ
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:
After requesting my credit report I found information has been furnished on the consumer report that caused discrimination against me, ruined my reputation, and caused harm to me and my family by not being able to get a better car and home due to this information on my consumer report. 

No one asked for my consent to report these accounts to my credit file, which is a clear violation of my rights according to 15 USC 1681b ( 2 ). 

Also the inquiries on my credit file again I didnt consent to them nor did I benefit from these inquiries. 

I have not been treated fair and equitably by the credit reporting agencies and there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Convergent Resources, Inc.
State: IN
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 XX/XX/2022 at XXXX CFPB WRITE UP O In accordance with the fair credit Reporting act Convergent  Account # XXXX, has violate my rights. 

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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX aoount number 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 customer reporting agency can not furnish an account without my written instructions.

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 2022-08-31
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified on XX/XX/XXXX of a Barclays Bank Credit Card opened in my name with all my information and that it was opened in the state of Ohio ( I have never been to Ohio ) and charges made online with it. It says it has a limit of {$950.00} and there have been {$240.00} of charges made on it so far. All THREE credit bureaus have refused to help me. They say my disputes are closed due to the information they found was accurate. A physical card was mailed to my home. I have called actual credit card 4 times since XX/XX/XXXX. They have told me 4 times that the account is closed. IT is NOT closed. charges keep coming in and the credit reports show it is open. I NEVER OPENED THIS. I have since put a freeze on my credit reports. I am begging for help. NO ONE IS HELPING ME. This was 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 2019-11-28
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 was denied from opening a credit card today XX/XX/19 and I was denied because there are several accounts reflecting badly on my credit report. None of those accounts belong to me nor did I ever allow anyone to open them in my name using my personal information. I am not sure who opened these accounts but I have already filed a police report. I do not have any written/verbal contracts with these companies nor did I ever make any purchases or payments towards any of these accounts. I did not benefit anything such as money, goods or services from any of these accounts.

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 2022-08-31
Company: EQUIFAX, 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:
XXXX a natural person, I am a living human being, I have rights under 15 usc 1681. 
Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 usc 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against Chase Bank for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized Chase Bank 's hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XX/XX/XXXX XXXX reported AGAIN a Chase Bank hard inquiry. I am really tired of doing this every time in fact is my intention to sue Chase Bank if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: U.S. BANCORP
State: WA
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:
I am trying to decide on making a large purchase. My US Bank Credit card allows me to use a new feature called XXXX XXXX. This allows you to pay for large purchases over time for a monthly fee and a set payment amount each month. 
However., the bank will not tell you how much the fee is or the amount of payments until you actually make the purchase on your card. 
Ridiculous. There should be a way to calculate that so that you know BEFORE putting a large purchase on your card. Isn't there a law that states rates and fees must be disclosed? They don't, and a snotty customer service rep told me no one will EVER be able to tell me what it will be prior to purchase. 
Unacceptable and it must violate some banking disclosure rule.

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 2021-11-21
Company: Experian Information Solutions Inc.
State: TX
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:
My credit report score has not changed in over XXXX months and I would also like some incorrect information on my credit report deleted. I am willing to file for litigation if this insurance is not corrected

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 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I opened this pre-paid credit card and opted for paperless billing. I never received a statement and only found out I had an outstanding balance when they reported me 30+ days late and it appeared on my credit report. 

I called them and told them I had never received an email statement notification. They asked me to verify my email and when I told them it was XXXX they told me that there was a known problem with their emails not going through on XXXX. So I immediately changed to another email address and am now getting the statements. 

I asked the rep if they would take off the 30 day late as I never received a statement and they knew XXXX was a problem. I was told that it was my responsibility to be checking online for my statement and as I had agreed to paperless billing they would not change it. 

I feel this is unfair as I would have immediately paid my bill had I received a statement and they were aware of the issue with XXXX. As I had recently opened the account and had never received a statement, I did not realize that I had not received one. 

I believe in light of it being a new account and them knowing that XXXX was not delivering statements consistently they should remove the 30 day late. I spoke to 2 different people who flatly refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
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:
In accordance with the fair credit reporting act XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.

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 2020-06-07
Company: Allied Collection Services, Inc. (Nevada)
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:
Theres an account that I don't recognize or haven't conducted any business with them reporting a collection report on my credit report this goes against the FCRA

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 2018-08-07
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I took out loans with this company XXXX I was a student in college and I took a break in XXXX. I didn't know that student loans have to be repaid when not in school. I NEVER RECIEVED ANY contact from this company about payments being due via mail, email or phone call. The only way I found out was AFTER I checked my credit score and saw that it dropped a huge amount. I quickly made contact with the company to fix the situation. They claimed they sent me emails in XXXX. I never received any. This account shows it is in great standing from XXXX EXCEPT TWO MONTHS ( XXXX & XX/XX/XXXX ) This company refuses to take the derogatory remark off my credit score. Which I believe is  extremely unfair! I was not contacted. I was not called. No one reached out to me, and this was my first student loan. I was XXXX years old. And now I can't even get a house because this company gave me 11 missed payments! ELEVEN! Terrible service. Will never deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Nelnet, Inc.
State: SC
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:
Account is in deferment. I have tried to dispute this with the agency and XXXX. I have proof. They will not fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
In XX/XX/XXXX I opened an account with Ashley Furniture and they used Synchrony Bank. I was not supposed to be responsible for any payments until I received the items. I did not get any items and got charged. On XX/XX/XXXX I went in person to Ashley Furniture at XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) and spoke to the Manager, XXXX. The interaction lasted 38 minutes and 10 seconds and is recorded. In the recording you can hear the Manager, XXXX, state he closed the account under " Manager Approved Exception. '' He also told me to contact their Guest Response Team at XXXX. On XX/XX/XXXX at XXXX I called the Guest Response Team. I spoke to " XXXX '' for 38 minutes and 23 seconds and it is recorded. In the recording you can hear the representative close the account and create a ticket # XXXX regarding the rug that was showing in their system as delivered even though I never received the item. I have file 2 complaints with the CFPB concerning the unethical business practices and inaccurate credit reporting. Both times Synchrony Bank has refused to acknowledge they are billing me for an item delivered to someone else. On my credit report, It is showing the account as " open '' when I have 2 recorded conversations from 2 different people in 2 different departments stating the account has been closed. I received a typed response to my CFPB complaint stating they closed the account on XX/XX/XXXX and listed the account as " closed by grantor '' even though I have recorded conversations on 2 separate days requesting the account be closed. As of today, XX/XX/XXXX, Synchrony bank is still inaccurately reporting to the credit bureaus. I will be pursuing legal actions against Synchrony Bank because of their violations and con-compliance with all applicable laws and regulations.

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 2020-01-28
Company: BROKER SOLUTIONS, INC.
State: CA
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:
It all started with my interest to refinance my mortgage with NEW AMERICAN FUNDING ( NAF ) in XX/XX/2019 but just died when my Sr Loan Officer, Ms XXXX XXXX no longer responded to my inquiry regarding my mortgage insurance. Then on XX/XX/2019, I got a credit alert that NEW AMERICAN FUNDING ( NAF ) and XXXX XXXX processed hard inquiries without my knowledge or approval. This has affected my credit score! I immediately sent out an email to NAF Sr Loan Specialist, XXXX XXXX, the manager of Ms XXXX, to help me understand why I got these inquiries as I never gave authorization to pull my credit report. She NEVER responded. On XX/XX/2019, I then called NAF Customer Service and was referred to CS Specialist XXXX XXXX, for assistance. I forwarded all supporting documents to help with his investigation ( see attached ) thru email. Despite all the supporting documents forwarded to Mr XXXX and my repeated follow up on the status of my case, on XX/XX/2019, Mr XXXX finally responded only to verify if my main concern was due to the recent inquiry that occurred on XXXX. Very disappointedly, I responded on the same day, repeating as to why I am reaching out to them is because I am disputing the hard credit inquiries they posted without my approval. On XX/XX/2019 I received a call from NAF Sr Loan Specialist XXXX XXXX and she CONFIRMED SHE MADE AN ERROR WITH HER INQUIRIES. I asked Ms XXXX to remove the error immediately and she acknowledged. The next day, XX/XX/2019, I emailed Mr XXXX to follow up and ensure that Ms XXXX will FULFILL HER COMMITMENT TO REMOVE THE INQUIRIES. After several follow up, I kept receiving the same responses from Mr XXXX that they will contact XXXX XXXX to have the hard inquiry removed. To this date, I still have not received any confirmation that my request has been completed. They admitted the error but no correction is being done despite my repeated follow-up request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation