BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, I placed a charge for a refrigerator from the XXXX XXXX -Order # XXXX, {$800.00}. On delivery date of the refrigerator, XXXX, I was delivered a wrong refrigerator. It was a cheaper model that I did not want or ordered. I told the delivery driver about the mistake, but he just took off. I spent at least an hour on 4 calls with the XXXX XXXX to sort things out. I called on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I wanted the higher price model I paid for and the wrong refrigerator picked up. I was told that I was getting a refund for the refrigerator instead but that never happened after 4 calls in over a month. 

Citibank required me to get a credit memo from the XXXX XXXX before providing any form of assistant. Getting a credit memo from the XXXX XXXX is not possible per the customer representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC 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 2020-09-16
Company: Specialized Loan Servicing Holdings LLC
State: NM
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:
This is an ongoing problem. I will continue to submit complaints until enforced. SLS negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between SLS, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? Specialized Loan Servicing is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against Specialized Loan Servicing and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New  Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense Specialized Loan Servicing

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 2019-06-06
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX this was not my debt and was on my XXXX  credit report, I contacted the state attorney of New York and they had it removed as it was a fraud account that keeps getting put on my credit. Now today XX/XX/2019 this account is on my credit as a collection again! Account 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 2023-02-24
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PNC Bank Account Name : XXXX XXXX XXXX XXXX Routing # : XXXX Account # XXXX This account has been closed by the bank on XX/XX/2022, with a balance {$9900.00}. I have not received the balance yet until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I made a wire transfer of {$53000.00} on XX/XX/2021 to Coinbase. My money was deposited successfully, I left it there and trusted Coinbase is a safe platform and left my balance untouched. A week later, I wire transfer {$18000.00} to Coinbase again. When I checked it hours later, my balance was only 0. Nothing left in the account. I contacted their customer service and no one answered the phone. Just yesterday they email me and let me know my account was hacked and locked my account as well. I dont share any information to anyone, Coinbase is the only one who had control over my balance and my money just vanished without any proper reason. I lost my savings of over {$70000.00}. They still hang me on without any follow up emails. 
I want to report this company and ask them to give back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Fidelity National Information Services, Inc. (FNIS)
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 information incorrect

Complaint:
Please provide bank statements for the months of XX/XX/2021 and XX/XX/2021 showing legal verification of ending balance to reflect the amount owed. 
please provide verification of all credits applied to reflect ending balance owed. 
Note : my account was closed by XXXX XXXX XXXXXXXX XX/XX/2021 and if my account was closed do to balance owed the XXXX to XXXX bank statements would reflect a balance owed since bank statements are official verification of all funds in the account. Final bank account statements to determine account balance are legal verification provided by the bank giving legal verification on balances and all transactions and are legal verification for money owed, credits and all other transactions regarding your account please provide Verification for Account Abuse statement reported. 
Note : it was reported by XXXX XXXX XXXXXXXX that Account Abuse existed with my account. 
Please provide all verification that you used to reach your decision regarding my complaint.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: GA
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:
All 3 credit bureaus have not provided proof from the holder ( XXXX XXXX XXXXXXXX ) of verification from the holder regarding a bankruptcy.

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 2023-02-24
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Zales Commenity was suppose to give 12 months interest free. Instead gave 6 months interest and charged XXXX dollar fee. When holding for Supervisor after 45 minutes they hung up. Called back and Second Lady didnt want to deal with it and hung up on me. Third person finally got me to supervisor who said there was no report of call. I asked if she had previous calls same day where they hung up while I was holding and disconnected calls. She said no. So I advised your folks are not logging all notes. She stated nothing I can do for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It was being reported on my credit report that I had a collections account for a past due loan Through XXXX XXXX being shown on my credit report. Ive disputed this collection and in return I was told that and show where XXXX XXXX was removed as the Original Creditor of the collection and Regional Finance Loan company was then stated as the original creditor. Ima convinced there is a fraud taking place here and I would like The CFPB to investigate into this matter thoroughly please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I sent a request XX/XX/2018 to lexisnexis for removal of public records since they were past the time getting a response from the credit bureaus. LexisNexis responded with a disclosure report instead. This violates FCRA regulations ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Every so often XXXX XXXX XXXX sells they inventory to other agencies or affiliates trying to collect on a 12 year old credit card debt that was previous discharged. I have made several attempts at quashing the companies, but they are too many to continuously having to write to and asked to cease and desist. Listed among their current agencies are : 1. Resurgent Capital Services L.P 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX  5. Resurgent Capital Services PR, LLC 6. XXXX   XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, XXXX 8. XXXX XXXX  10. XXXX XXXX XXXX XXXX. XXXX  , XXXX   12. XXXX XXXX XXXX, XXXX 13. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX I called Equifax to get the results for a dispute that I submitted. I was told that they could no give the information, that I had to send information to verify my identity. 
I asked if there is a problem with my report ( my credit card have been updated since XX/XX/XXXX ). Once again I would have to send information to verify my identity. 
On XX/XX/XXXX I sent my personal the documentation they requested, I asked them to send me copy of my report ( yearly free report ) with the information with my dispute. 
On XXXX XXXX I received the disputes but no credit report. 
On XXXX XXXX I called Equifax, they stated that I have to send information to verify my identity ( I have already sent information to verify my identity ). I asked again if there is a report with my report but I was given no results about the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: CRESCO CAPITAL INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Iam making a final goodwill will attempt to have you clear up this. Its my understanding that consumer financial protection bureau help enforce consumers right 's and stop bad reporting agencies from reporting inaccurate, incomplete errors on consumers credit report. Also be advised that this my third dispute letter, 120 days no response, this company is in violation of 15usc1681, no need for me to go into details and tell you the law your company know for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. Iam sure that you are aware current federal 1case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report on their responsibility must consist of something more than merely parroting information received from other sources which means that if you can't send me proof of this unknown account from your this company it must be removed its that simple. Another note for Violation is section 1692g ( B ) Collector must cease collection effort until debt is validated. Section 1692g ( a ) ( 5 ) must provide name/address of original creditor if different from current creditor which i have np idea of. Section 1692a ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies, this company has violated the laws, and have ignored my request to provide me with the documents thats in their file which i disputed months ago. Its obviously this company cant verify this account, and under section 611 ( 5 )  ( A ) of the FCRA you are required to promptly delete all information including the three major bureaus which can not be verified. Sounds like a civil liability, and i won't ever remedy that is granted to me for negligent noncompliance section 617 states if you fail to comply with this federal law, i can pursue litigation to enforce my right under the FCRA, i truly demand this account to be deleted immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is attempting to collect the wrong amount of money from me over a XXXX XXXX Bank ( USA ) NA. and I am already going to court over this situation with XXXX XXXX Bank XXXX USA ) NA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: MO
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am inquiring to remove the following info from my credit report. I am a victim of identity theft and did not authorize these charges. I've already reported the theft to the federal trade commission 's identity theft affidavit. I would appreciate it very much as soon as possible because it's a burden for me, I would like to leverage my credit and progress my financial lifestyle as soon as I'm able to remove these fraudulent 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 2023-03-01
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:
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 U.S.C1681.

** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine.

** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. 

Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX  " XXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX/XXXX, acc # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

* 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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.

* 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit 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 processed a refund on XX/XX/22 and I never received the refund. I have reached out to the store and the credit card company. I have yet to have this issue resolved. I have provided the details of the receipt. I am being told that it was processed on the wrong card by the company and that it would take XXXX  days to investigate. I am not sure as to why it was placed on the wrong card and as to why it would take XXXX days for an error made by the store? I was not aware that the company processed my refund to a different account. Not sure what happened but I need to have my money added back yo my card or a check to be issued to me in XXXX hours

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: IN
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: NY
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:
Dear CFPB officer, I have contacted both your department & the company ( XXXX ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to XXXX points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!

Company response to consumer: Closed with explanation