BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is a debt collector that has failed to provide me with proof that I owe them any money. I have sent them several Debt Validation letters asking for proof that I owe them money, they have failed to provide me with any documents with my signature showing I agreed to pay them the alleged debt. Still they keep reporting this alleged debt to the three major reporting bureau 's ; XXXX XXXX, XXXX  and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
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:
These accounts are not mine and I do not know them. I am asking you to remove them from my profile. I feel that this is a fraud and I want to keep safe my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PHFA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
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:
I have 2 inquiries from XXXX XXXX on my credit report that i did not authorize and i need it removed. one from date XX/XX/21 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes XX/XX/2018, Equifax, XXXX, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. 

If a response was sent, can they please be resent?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had this account with US Bank since XX/XX/XXXX, with very few issues. On XX/XX/XXXX my account was overdrawn by {$2.00}. I made a deposit during regular business hours in the amount of {$330.00}, on XX/XX/XXXX, which should have covered the OD. Instead the bank charged me {$72.00} worth of OD charges. My deposit was the same day. I am retired, and on a fixed income, and the bank has put me in a position, where I will not have enough $ to pay all my obligations for this month! How can I get the funds credited back, when they were fraudulently taken. In XX/XX/XXXX, I read an article describing US Banks new policy, to no longer charge OD fees, when the account is less than {$5.00} overdrawn, to begin XX/XX/XXXX. This is Discriminatory against a senior citizen, and is usery, which is prohibited by law. I think US Bank has No concern for their customers. Can you 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 monetary relief
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I noticed my credit score had dropped significantly. I pulled up my Transunion credit report and noticed that an old item previously deleted in XX/XX/XXXX was put back on my credit report. I was never notified by Transunion and when I called they said the agency ( XXXX XXXX XXXX.a.k.a. XXXX  ) never certified it as true and accurate. Transunion never notified me it was put back on my report after 4 years. In XX/XX/XXXX report the deleted item was listed for {$190.00} and the original creditor listed as XXXX XXXX XXXX ( XXXX ) The XX/XX/XXXX collection agency was XXXX XXXX XXXX. ( XXXX  ). XXXX had said the amount as {$190.00}. That item was deleted from my credit report. 
Then In the XX/XX/XXXX Transunion reported a delinquent item was added to my report for {$190.00}, XXXX XXXX was listed as the original creditor with XXXX XXXX XXXX. ( XXXX ) the collection agency. I was told by XXXX  that the debt was actually for {$190.00} which is the same amount that I was told the debt was in XXXX and the original creditor was XXXX XXXX, the same as in XXXX. In XXXX the debt was in collection with XXXX XXXX XXXX. 
It is obvious that to sneak a deleted debt back on to a credit report, the creditor XXXX XXXX, tried to deceived by : 1 ) waiting 4 years, 2 ) falsifying the original creditor, 3 ) changing the amount of the debt and 4 ) changing collection agencies. All to avoid the certification and notice required by law. 
I have disputed this with Transunion. XXXX told me they sent the dispute to XXXX XXXX. But I was so appalled at the attempt at deception that I had to report this new tactic by a creditor to you.

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 2018-09-26
Company: PENTAGON FEDERAL CREDIT UNION
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Trying to close share account XXXX. I have sent two written requests and nothing seems to be happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Credit Karma, LLC
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:
Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through Credit Karma, XXXX, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Seterus, Inc.
State: WA
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:
Seterus Inc. Dispute beginning XX/XX/17. Believe that Seterus Inc., in  violation of the FCRA and the FDCPA when reporting this account to the credit reporting agencies.

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 2021-07-02
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had three fraudulent transactions from the same Merchant that occurred at about XXXX XXXX. I have made multiple attempts with Chime Banks disputes Department to fix the fraud and refund my money and no matter what I send them, even detailed proof from the merchant regarding the fraud and confirming it, they will not refund my money. I have asked multiple times to please speak to someone in the Chime Bank 's investigative department and they refuse to speak with me. I just keep sending emails that go unanswered

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to a closed complaint ( XXXX ). In summary, after months of no traction with the LoanCare, XXXX was able to get the lender to respond and issue a letter of acknowledgement that they had made errors in the collection of my payments. They sent a letter ( dated XX/XX/2017 ) stating that they had sent corrections to credit bureaus but those are not reflected and now I'm unable to get a loan for the home I have a contract to purchase on. The underwriter said they will accept the acknowledgement letter in my possession for a correction IF the company will re-issue it with a more current date, I'm having trouble getting through the anyone who can expedite this request so that I do not lose the home.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent all required information into all 3 credit reporting agencies ... .XXXX  is the only bureau that followed Section 605B of the FCRA  ... ... XXXX IS STILL REPORTING 2 FRAUDULENT ACCOUNTS : XXXX, XXXX # XXXX {$2300.00} XXXX XXXX ( XXXX ) # XXXX {$840.00} AND 2 INQUIRIES : XXXX/XXXX  XX/XX/2019 AND XXXX XXXX  XX/XX/2019 TRANSUNION CONTINUES TO REPORT 1 FRAUDLENT ACCOUNT : XXXX XXXX  ( XXXX  ) # XXXX {$2300.00} notice how 2 of the accounts have the same account number but different creditor names ... .these accounts are fraudulent ... ..I will attach the original ID THEFT AFFIDAVIT that was submitted and the 3 report comparison and you can see the major discrepancies ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
last month on or around XX/XX/XXXX we went to make the payment which normally had been due on the XX/XX/XXXX for XXXX and we were late on the payment for XX/XX/XXXX from a 2 week off period with no check. Citibank normally will add  some to the payment but it was XXXX and when we went to livechat the woman harassed us and said this would be the payment from now on starting in XX/XX/XXXX without even asking why it had been late. She was unwilling to listen and harassed me and I am XXXX and do the bills for my wife. Now when I went to pay today it had the full amount of over 2000 on the payment. Home depot has been running a hidden promotion with no notice anywhere in the store that if you spend over XXXX it automatically is a promotion and nothing said or posted anywhere about their new hidden scam being shown. The rep was unwilling to work with us to have the payment the same as before and was very hostile so I cut the chat. We want an audit and investigation into their hidden promotions and these btw are illegal and showed up 3 months after the purchase was made in our online payment. Also we are suppose to get a paper bill in the mail each month and they haven't sent one in over 6 months. The payment date is the XX/XX/XXXX and this rep decided to say it was due on the XX/XX/XXXX with no prior notification of the change or authorization or paper bill sent to us informing us of the change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently opened a monitoring system in which i discovered a fraudulent account stating I owe {$380.00} that are causing a negative affect on my account.

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 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion is reporting an inaccurate public record on my credit file. I have notified them that that is not my account. This account is reporting a date of XX/XX/2009. This is not my public record. Please assist me in getting this public record removed from my Transunion report. Transunion is the only credit agency that is reporting this inaccurate information 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 2018-02-16
Company: EQUIFAX, INC.
State: AR
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:
My name is XXXX XXXX, and I checked my credit report via XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX was removed from my credit report. I filed a dispute with Equifax on their website, and between XX/XX/XXXX and XX/XX/XXXX, they added the remark " charge off account '' to my credit report. Since Equifax did not notify me within five business days saying they were removing the account and then adding the account back on, I expect this account to be removed. The Fair Credit Reporting Act says that I as the consumer must be told if the information in my file has been used against me. Since I was not notified that this account was going to be added back on my credit report, I would like it permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: CA
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:
THIS IS A NON-RESPONSE. 

STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Marlette Funding, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX Date of inquiry : XXXX  This is not mine.

3. Identity Theft XXXX  Account Number : XXXX  This is not mine.

4. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

XXXX  1. Identity Theft XXXX Account Number : XXXX  This is not mine.

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

8. Identity Theft XXXX Account Number : XXXX  This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

10. Identity Theft BEST EGG Account Number : XXXX  This is not mine.

11. Identity Theft XXXX  Account Number : XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I deposited 5 Bitcoin ( approx. {$50000.00} USD equivalent ) and the payment is listed as " pending. '' I opened up an email ticket ( # XXXX ) and I have not yet received a reply. I tried calling the support line but it said they can not help with this type of issue by calling on the phone. I read numerous of reports of this same problem and they claim they have been waiting for weeks for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I contacted XXXX XXXX because XXXX XXXXXXXX just popped up on my credit report. No one responded to my letter. I wrote again XX/XX/2021 and did not receive a response to my letter or any documents I requested. I requested an investigation on XXXX XXXX on my credit report. I contacted XXXX, TransUnion and XXXX XXXX  and no one responded to my letters or sent me any mail. It's been more than 90 days now and this unverified account is still on my credit report. I want this account deleted right now.

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 2018-02-15
Company: Mann & Carducci Co., LPA
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from the XXXX County Courts ( XX/XX/XXXX ) that there was a judgement issued against me from the State of Ohio Department of Taxation for the amount of {$3400.00}. 

This is a complaint against Mann & Carducci CO. , LPA XXXX XXXX XXXX, XXXX XXXX A XXXX, OH XXXX XXXX. I was unaware that this debt was owed. 
2. I contacted The State of Ohio Department of Taxation to ask what the debt was from, year? type of tax? etc. They did not answer my question, however referred me to the Attorney General 's office.

3. I contacted the Attorney General 's office with the same questions and received no response.

4. I called Mann & Carducci Co. and the person who I was supposed to speak with regarding this debt ( XXXX XXXX ) was unavailable for an extended period of time. I called the number that was left on XXXX XXXX ' voicemail. Called several times, left several voice mails, and received zero response. 

At this time I thought it was wise to at least send in the proper paper and small payment to stop wage garnishments. According the the judgement paperwork I had two weeks to submit this paperwork. The due date would have been XXXX XX/XX/XXXX of XXXX. 

I sent in my signed paperwork, check for {$150.00}, and two stubs on XX/XX/XXXX. 

I received back my signed paperwork, check for {$150.00} and two stubs with a note written on a post it note saying that they could not accept it because this information was due in XXXX. Please again be advised that the court documents state XXXX. 

I am now WRONGFULLY getting my wages garnished of {$370.00} per pay period. I sent in the correct paperwork within the given time and I want the garnishment to stop ASAP

Company response to consumer: Closed with explanation