BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern, I have sent two letters to each of the bureau which have not been responded to in over 60 days. I requested incorrect information be removed from my report. I also filed a CFPB complaint and the company has still not removed the information. This company is reporting fradulent and inaccurate information. 

Under the Fair Right Reporting Act, I have the right to dispute incomplete or inaccurate information. 

After reviewing my credit report. I feel i might be susceptible to identity fraud. The bureaus are reporting addresses that have never belonged to me. 

My one and only ADDRESS IS XXXX XXXX XXXX XXXX, XXXX Co, XXXX PLEAS REMOVE ALL OTHERS. They are undeliverable or fradulent. 

My one and only name is XXXX XXXX XXXX, please remove all others. 


My date of birth is XXXX, please remove all others. 

I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE I HAVE NEVER LIVED AT XXXX XXXX XXXX PLEASE REMOVE. 
I HAVE NEVER LIVED AT XXXX XXXX XXXX. PLEASE REMOVE. 

I AM DEMANDING ALL FRADULENT INFORMATION BE REMOVED FROM MY REPORT. 

I have attached proof that incorrect information is being reported and i have also attached my social security card and a bank statement as identification and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Was not notified of investigation status or results

Complaint:
Equifax has not verified the inaccuracy on my consumer report after several attempts at messages to have them correct the information. 

Initially, I sent them a letter, dated XX/XX/XXXX, verifying my identity and telling them my correct addresses and names. Soon thereafter, Equifax deleted old addresses and incorrect names from my consumer history. 

After searching through my Equifax consumer reports, I found a negative item that was not accurate, so I mailed two nearby courts to figure out which court had reported this information, and received two responses that indicated they did not send this information to Equifax. 

On XX/XX/XXXX, I sent Equifax a letter disputing the incorrect entry on my credit reports, named US BANKRUPTCY COURT-XX/XX/XXXX. 

In response, Equifax sent a letter, dated XX/XX/XXXX, indicating they could not find my data in their system, and they would need me to send additional identity verification documents with my dispute. However, Ive already sent the identifying documents with the XXXX letter, and Equifax made the subsequent changes to my file without any issues. 

On XX/XX/XXXX, I sent a response to Equifax indicating they were in violation of the FCRA guidelines, as they never response to my previous letter, and never made any correction or change to the disputed information on my consumer report. 

Equifax sent me another letter, dated XX/XX/XXXX, that they could not locate my consumer report, and still need additional verification documents. 

On XX/XX/XXXX, I sent another letter to Equifax demanding they remove the inaccurate information, since they never responded to my dispute, and it has now been over 60 days since this dispute was initiated. 

As of today XXXX XX/XX/XXXX XXXX, Equifax has not responded to my previous letter. In fact, Equifax has not responded to my dispute in almost three months. Equifax has violated numerous rules and ignore proper procedures by refusing to verify this inaccurate information. 

I have obtained multiple copies of my most recent Equifax consumer reports, and Equifax has not removed this inaccurate entry. Their illegal practices are very damaging to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
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: Overcharged for something you did purchase with the card

Complaint:
CITI BANK EMPLOYEE SUPPOSEDLY DEPOSITED OVER XXXX into my checking account through line of repayment refund by error and citi bank is now charging me for that deposit plus interest. I have stated and sent documents showing citi I have not received any money nor did I ask for any money. This is a clear mistake by the CITI employee and I have a letter stating that directly from citi. My credit card account was closed without notice and my XXXX $ deposit was used to cover a debt that isnt mine. I have sent documents and statements to citi proving I have none of that money supposedly deposited or fault in this. The card I had with citi is a XXXX $ limit card and because of the error caused by the employee the balance is well over the limit at XXXX. This puts my credit usage on my credit report well over 1000 %. Citi should take responsibility for this and clear this with the bureaus since it was caused by their employ.This error caused by the employee is hurting my credit score severely and citi is not taking any measures to correct this mistake by their employee.

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 2018-12-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
I had opened an account with XXXX bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. XXXX has reported this to ChexSystems and entered it in XX/XX/XXXX. 6  years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.

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 2018-04-14
Company: Auto Trakk, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My payments are setup weekly, but I make the payments bi-weekly. In XX/XX/XXXX someone tried to steal my auto and because I have this disable device installed. The criminals damaged it and I had to get it replaced. With the older device when I was having trouble making the full payment I could install a code that would get me to my next payday. However, now since the new device has been installed, AutoTrakk is constantly disable my vehicle leaving me stranded along the highways. This past Thursday XX/XX/XXXX I made a payment of {$180.00} to cover the payment that was due. I also have full coverage on the vehicle as well, but because the deductible is suppose to be {$500.00} rather than {$1000.00} AutoTrakk disable my vehicle when was 50 miles from my home. I have had this vehicle almost 4 years and every year this coming is starting to get worst to deal with. After sitting in my car disable for 30 min, I was finally able to drive the vehicle home. I feel this is unfair to me, I pay on the vehicle and I get full coverage on it. So, why am I always having to deal with this company disabling the vehicle every time that feel like it over stupid issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-05-27
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I lost my EPPICard where I receive my child support payments, I've been trying to call costumer service for multiple times for the past 2 weeks nobody answers, I get put in hold by an automated answering machine and after waiting for 15 to 30 min it hangs out. I tried contacting the Child support agency a couple of times but they tell me that there's nothing they can do, they tell me to call costumer service. I'm currently depending on the money I have in the card, for food and bills. I haven't been successful in contacting or getting information about the issuer 's of the master card that I lost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
i XXXX XXXX disputed the 30 day late payment on my XX/XX/2023 ( XXXX ). pursuant to 15 usc 1666b timing of payments which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Also in pursuant to 15 usc 6802 Obligations with respect to disclosures of personal information ( b ) Opt out which states they must disclose to you, which they did not give me a disclosure to opt out of my non public personal information being reported to a non affilliated third party. This action has caused me hardship and embarrassment, and denial of future credit extension

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 2020-01-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet, debit card, drivers license, and social security card was stolen on the XX/XX/XXXX. Also I as out of the country on a XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX.  During that time I was not able to use XXXX XXXX to send money from the XXXX, so i authorized my son to do a few transactions for me up until XX/XX/XXXX. I was in The XXXX during the month of XX/XX/XXXX and XX/XX/XXXX as well. The TD bank Manager XXXX of XXXX XXXX, Florida, can attest to this. I had to call him twice from overseas to unblock my debit card. Between XX/XX/XXXX up to XX/XX/XXXX, multiple XXXX XXXX transactions was stolen from my bank account. I gave no one permission to take any money from my account, and the bank keeps denying my claim, stating that all Three debit cards were used to obtain the funds. I contacted XXXX XXXX, and they state only one debit card number was used in this fraudulent action. The bank is stating differently. Also, On XX/XX/XXXX, I reported my debit card stolen once i was in the states. The bank once again are stating regular spending patterns, but this is not the case at all.In all I am owed XXXX. I feel the bank is trying not to pay me due to the large amount. Please help me to recover my stolen funds. I have made 2 claims with TD bank, but they refuse to help me XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, TransUnion and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, TransUnion, and XXXX   only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.

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 2021-04-07
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello Im reaching out and need your help with Coinbase. They are literally stealing money from people. Let me share an example of what happens to me which most likely is impacting other. 

I attempted to transfer funds into my XXXX wallet at Coinbase on XX/XX/2021. However I erroneously transferred the funds into a XXXX cash wallet instead. I attempted for a full month to get a hold of someone at coin base to help me reverse the transaction. The only option was to submit a ticket online. After not hearing from anyone I reach out to the executive members via linked in. I finally received a response via email. 

The response was too bad theres nothing they can do and the funds are now loss. I was able to speak with the initial sender who share that they can see the funds sittting in block chain however since the funds are already sent theres nothing they can do. Coinbase does have the authority and capabilities to reverse the transaction. It was {$3500.00} dollars that they are claiming I should forget about and move on and making a decision to not help. Thats a significant amount 2x the amount of current stimulus. This error is a common error that happens frequently however coin base is profiting from this by stealing people money when it happens. Regulations need to be put in place to monitor these digital currency and companies like coin base. I refuse to lose {$3500.00} over something that can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XX/XX/XXXX - Disputes were sent on to Trans Union and XXXX regarding numerous accounts that should not be on the credit file. After 30 days, even longer, no investigation results were sent out, no new credit report, and nothing was removed from the credit file. I have again re-submitted disputes to Trans Union and XXXX once again to get this problem solved immediately. As a consumer it is my right to request the credit bureaus to verify information on my credit file that I am disputing. Since XX/XX/XXXX, nothing has been done.

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 2017-09-15
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My original creditor was Amazon credit card. They sent the debt to collections, XXXX XXXX XXXX XXXX, a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, community point bank on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received itXX/XX/XXXX. OnXX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received itXX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore.
What can I do?
Thank 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 2022-01-07
Company: Experian Information Solutions Inc.
State: OH
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:
Experian continues to report and make flags on credit report and today that caused a XXXX point drop. This account shows evidence of fraudulent activity and it has been disputed with experian. 
Experian continues to OVERLOOK the inconsistent information that proves the account does not belong to me ( XXXX XXXX ) It is against the FCRA to knowingly yet willingly report wrong information. Especially after being notified multiple of times. 
The company was asked to validate the account and the results is not accurate with the timing and location. The account numbers aren't the same. On the validation request letter the account reads, ( XXXX ) and Experian has been reporting a different account number ( XXXX ) Experian is bogus for this but will ignore that and continue to add negative marks on my credit report, intentionally. 
Experian reports date open as XX/XX/2021 I have absolutely never transacted business with either company at any time. Also, VERY important to note, the company in question, XXXX was no longer in business on open date of XX/XX/2021. These companies lie so much. 

Experians report uses address ID and the ID being reported is ( XXXX ) However the company validation states the account was created using the address of XXXX XXXX XXXX XXXX, Ohio. According too experians records the accurate address identification number for the verified address is ( XXXX ) During all the different dates listed I still lived at home where I was raised, XXXX XXXX XXXX XXXX Ohio and I was still attending high school. 

Experian along with these other credit reporting bureaus never want to admit their wrong and make it correct and accurate. It seems their actions are intentional. I should not take 50 rounds of disputes with evidence to show the reporting agency has made a mistake. This is a persons life you are intentionally trying too hinder. 

Looking at the documents i've included, anyone can clearly see the account isnt legit. When accounts are legit, ALL the information matches up and make sense. According too dates on the original creditors validation letter the account would have been open when I was still a minor at XXXX and with no valid identification, which is required too open any account. Make it make sense. This account should have been removed MONTHS ago. The company was also contacted with this information of trying to hold a minor responsible for an account that was created when only XXXX XXXX XXXX. It's against the law and shouldnt have ever been on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
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: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The TransUnion credit bureau must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-08-29
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credence is attempting to collect a {$670.00} debt from XXXX XXXX. I was receiving XXXX XXXX service from XX/XX/2018 until XX/XX/2018. The service was so terrible that I terminated early. I was not receiving the channels that I was paying for and was not receiving reception on a regular basis. Due to not receiving the service that I was paying for, I cancelled. I made multiple calls to XXXX to rectify the issue. I was met with long hold times, told to call back or hung up on by XXXX 's service team. Scheduled service calls resulted in my missing work for technicians that never appeared. Due to this, I stopped service. XXXX then tried to charge {$670.00} for terminating early. I did not receive the service I was paying for and had no choice but to terminate the contract. This debt should not be owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: LA
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 have attached an affidavit of truth to address the issues the credit reporting agencies refuse to address.

Company response to consumer: Closed with explanation