BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: AZ
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:
PULLED MY CRETIT REPORT AND THERE IS INQUIRY THAT I DIDNT AUTHORIZED.WHICH ARE : XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/2023, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CITIBANK, N.A.
State: CA
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:
Hello, our Citi credit card was used for the following fraudulent XXXX transactions. Citi contacted us via text and we responded that these are not our transactions. We have not used XXXX for months. Citi closed the card. However, we can not get our credit for these fraudulent transactions, even though they opened a case ( no. XXXX ) and we called twice : 1 ) spoke with XXXX ( Citi Fraud dept ) at XXXX and she told me she will reverse all XXXX charges 2 ) spoke with XXXX ( manager of fraud dept at Citi ) XXXX and he said that all these XXXX charges will be reversed. 

we just received our credit card statement and Citi added all these charges to our statement and didn't reverse any of them. 

XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$29.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$11.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$21.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$31.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$35.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$81.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$22.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$25.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$38.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$47.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$51.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$16.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$45.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$64.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$17.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX TRIP XXXX CA {$120.00} Total {$760.00}

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 monetary relief
Consumer complaint received 2021-06-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is my second complaint. My first one was XXXX I have my account under review since more than 3 weeks! I sent all the documents and information and I started operating and I've sent XXXX euros and after operating for the first time they blocked my account with my money freezing. I cant operate, I cant withdraw my money. Its unacceptable. 
When it was my first CFPB complaint was completed they unblock my account and gave me XXXX for the inconveniences. 
8 hours later they blocked my account again. I couldn't believe. 
Please I only need my money back. 
I opened a lot of incidences directly with the company : XXXX XXXX XXXX XXXX XXXX They closed the incidences without any solution. 
I'm desperate. I'm very disappointed with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XX/XX/2021 RE : FRAUDULENT INFORMATION ON CREDIT REPORT I have filed multiple disputes with Experian regarding this fraudulent address and want it removed. 
I checked my credit report via the XXXX  site on XX/XX/2021 and found that this fraudulent address is still on my report. 

I spoke with a representative at Experian on XX/XX/2021 and was assured my name would be corrected to be XXXX XXXX but it is still showing as XXXX XXXX which is incorrect. 

I HAVE NEVER LIVED at the address listed below and dont know anyone who does or ever did. 

Remove this fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Experian needs to remove this fraudulent address because I am not associated with it in any way and never have been. 

Thank you, 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 2021-06-23
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:
on XX/XX/2021 i sent out a dispute to the credit bureau. as of today there is no word on that dispute. i was affected by the equifax data breach and would like these errors removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: NJ
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:
There are a few accounts on my report that I do not recognize

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 2019-10-28
Company: ACIMA CREDIT, LLC
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 information incorrect

Complaint:
In XX/XX/2017 I bought a mattress from XXXX XXXX in XXXX XXXX it was financed through XXXX XXXX. In XX/XX/2017 the mattress was returned and XXXX XXXX delivery picked it up from my home. XXXX credit shows it on my report as delinquent of {$1000.00}. The mattress only cost {$590.00} and we returned the mattress so we owe no money and certainly aren't delinquent. XXXX said we needed proof that it was returned. The company we bought from picked it up. We can no longer speak to mattress overstock because they are permanently closed. We shouldn't have a charge off on credit report for an item we don't even have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2021-06-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Conn's, Inc.
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: Information belongs to someone else

Complaint:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX NY XXXX XXXX NY XXXX XXXX XXXX XX/XX/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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

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 2020-09-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 my wife and I applied for a {$510000.00} mortgage loan with Loan Depot to refinance my existing mortgage. The loan terms required {$40000.00} pay-down of the existing loan to meet the new loan program finance limits. I spoke with loan agent XXXX XXXX and provided the necessary information to apply for the loan. During the following week the necessary supporting documents were uploaded to Loan Depot 's secure website. The documents included information on my pension payments and account balances. The application was then approved and a 60 day rate lock was given for loan # XXXX. During the lock the period I turned XXXX years old. During the lock period I called several times yo inquire about the loan processing progress. Each time I was assured by Loan Depot the loan was progressing. The company login portal also stating the loan was being processed. As the 60 day lock neared I was concerned about meeting the lock deadline. I was assured by XXXX the loan would fund and if needed he could extend the lock period. The day before the lock deadline I was informed that the processing agents stated my income was not sufficient to grant the loan. I walked through the uploaded income documents with XXXX again and he confirmed he understood them and that my income was more than adequate to qualify for the loan. After the rate lock expired I was informed in writing that the loan was denied because my income was not sufficient. I filed a Loan Depot survey form complaining of the denial on XXXX XXXX.I offered to participate in a customer advisory committee. I have not been contacted by Loan Depot since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 records 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 XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my XXXX bank account online last night and noticed that Navy Federal Credit Union conducted an unauthorized charge to my XXXX bank checking account by the collections supervisor XXXX for a payment to a closed credit card account. When we contacted her today, she stated that my wife XXXX ( who was a card user only ) was the one who authorized the ACH charge to XXXX according the the NFCU recording of the conversation XXXX listened to. 

XXXX stated that the recording is NFCU property and we can not listen to the recording. We asked her to escallate this problem to NFCU management. 

We do not believe the response from the supervisor and would like to hear the recorded conversation for ourselves. We would like to escallate this complaint to senior management at NFCU. 

My wife XXXX and I " DID NOT AUTHORIZE A CHARGE PAYMENT TO OUR EXTERNAL BANK via ACH as the supervisor stated that was in the recording. 

We would like to hear the recording to confirm that we authorized an ach payment or allow an independant person within Navy to produce a transcript of the conversation recording. 

Since we are disputing the unauthorized charge to our external bank account we should have the right to hear what the recorded conversation states contrary to what the supervisor states. 

Please feel free to contact me for more details. 
Regards, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a care credit with synchrony bank for over a year and I may have had a late payment here or there but 6 months in they reduced my card without warning. I have been in awesome standing with them for the past 5 months and after I laid them off about 2 weeks ago they closed my account without warning. I went to use my card and discovered it was closed. When I called they read me off a letter I never received. I have several cards with synchrony bank and some have even raised my credit limit. After I paid them off they closed my account I believe it is the care credit company and not the actual bank. They wanted me to reapply to put a ding on my credit file.

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 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
XXXX Bank/XXXX XXXX sold my account to portfolio recovery. I contacted both companies to settle the account. Between XX/XX/XXXX or XX/XX/2016 I made a settlement with XXXX XXXX to pay my debt and have it removed from my credit report. XXXX XXXX and XXXX bank is reporting paid in full/paid collection. This should have been removed completely. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am signed up for electronic statements and set up to receive email notification when the statement is available. Back in early XX/XX/XXXX, I stopped receiving email notifications when the bank changed to Capital One and then I had received email notifications for a few months and now they have stopped again. I did n't receive notification for XX/XX/XXXX nor XX/XX/XXXX. My settings with the bank and my email address have not changed. I remembered to make my payment in XX/XX/XXXXon time but did n't remember to make the payment in XX/XX/XXXX and now I have a late charge. I know that a statement ( or notification of a statement ) is required to be delivered 21 days in advance of the due date and this bank is not complying with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
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:
There are currently numerous accounts listed on my credit report that I have no knowledge of. These accounts were not authorized or initiated by me and was a result of error, fraud or malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: JPMORGAN CHASE & CO.
State: CA
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 rewards from credit card

Complaint:
I booked travel through chase rewards using points earned from past purchases in XX/XX/2020. Soon, all flights were cancelled because of XXXX. Chase offered to act on my behalf with my permission to cancel flights promosing to refund my balance. Instead they offered air credit through the airline i was supposed to travel with. Airline refused to refund even though the pandemic was ongoing. Chase refused to help or even file a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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