BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: CITIBANK, N.A.
State: OH
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 Best buy credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with best buy credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XXXX 2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with XXXX credit bureau and 1 time XXXX to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from XXXX. XXXX documents I couldn't get but their investigation also failed and negative mark still exists.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with XXXX XXXX credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XXXX 2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with XXXX credit bureau and 1 time TransUnion to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from XXXX. Transunion documents I couldn't get but their investigation also failed and negative mark still exists.

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 2021-04-29
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: Their investigation did not fix an error on your report

Complaint:
I notified Equifax that I am a victim of identity. Dear Equifax, XXXX XXXX XXXX am not a third party and I have and still do give authorization for my credit report to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BARCLAYS BANK DELAWARE
State: OH
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 have a Barclaycard Visa XXXX Rewards. 

I dont use XXXX XXXX for small purchases or XXXX. 

Therefore, I did.t request this kind of rewards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I ordered new checks from the Bank of America. I paid {$48.00}, including {$13.00} shipping. 

Today I received only 39 checks or {$1.00} PER CHECK! 

This is beyond outrageous! 

Yet the Bank of America refuses to do anything about it at this point! 

Yet again more problems : Earlier today the Bank of America at my demand under the law reversed 3 {$35.00} overdraft fees when yet for the umpteenth time I pointed out that I HAVE OVERDRAFT PRECTION! 

I am talking about total and complete incompetence at the BAC! 

And nothing is being done about it in 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 monetary relief
Consumer complaint received 2020-10-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on Experian. This resulted in my being denied housing during the pandemic by CRA XXXX use of an Experian credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filling this complaint. The stuff on my credit report is wrong.

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 2020-12-07
Company: Chime Financial Inc
State: NJ
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:
During a move to a new apartment I had recently had my wallet stolen and had to disable and request new cards. Chime ( XXXX  XXXX  ) sent me a new card that said to log into the app to activate. When I attempted to log into my app the message I received was that the account was closed or suspended. I had assumed at that point that I would just need to reach out to customer service and have them reset my app, or have me create a new account log in. However, there is no live customer service person to speak with, so the only option is contact through emails. I have had emails sent to them since XX/XX/XXXX regarding my concerns, and that I NEED my money that was being direct deposited into that account. I got multiple responses from multiple different people saying they were willing to help me with my account if I could send documents such as my license and social security card for verification, which I expressed many times already was taken with my wallet, and I need another way to prove ID if that's the case. It has been over a week now that I have had no access to my money, and no real resolution. If they are planning to mail me a check I would need my statement and change of address updated. Otherwise I have requested they transfer my funds to the bank account I have linked. Regardless its unethical to close someones account and give them no way to speak with anyone to resolve the issue, or refund your money in some other time efficient way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The company I complain about is Coinbase. 
I made a withdrawal XXXX euros, wire transfer from my Coinbase account to my bank account on XX/XX/XXXX, they said that transfer is confirmed and money should be in my bank account within XXXX. Have done this before, usually 1-2 days and money is in my bank account, but not this time. More than 9 days now, but still no money, I have written them complains and asked for help, but no answer at all. 
Could you please help me sort this out! I am ready to give you all the information you need about this transaction!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, 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:
Hi I am writing this complaint against XXXX  and Equifax. XXXX  and Equifax both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX   and XXXX. 
I have also attached my ID so XXXX  cant falsely say I hired someone to dispute these for me. 

I also want XXXX  to know I have filed a complaint with the Attorney General Office and my next step is litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, 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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 
I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. I HAVE ALSO ATTACHED MY IDENTITY THEFT POLICE REPORT REGARDING THESE ACCOUNTS. 
I NEED THE VIOLATION OF THE FCRA AS MY XXXX DATED DISPUTE LETTER SENT CERTIFIED MAIL WAS NEVER RESPONDED TO IN THE FORM OF AN INVESTIGATIVE RESULTS REPORT. ALL ACCOUNTS LISTED BELOW WERE IN THAT DISPUTE, BY VIOLATING THE ABOVE DEADLINE DATE OF XXXX, WHICH IS INDEFENSIBLE, YOU ARE COMPELLED TO DELETE THE BELOW LISTED ACCOUNTS IN ADDITION TO THE IDENTITY THEFT POLICE REPORT THAT I HAVE SENT ON 2 PREVIOUS DISPUTE LETTERS. 
I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. THERE SHOULD BE NO VARIANCE IN REPORTED DATA BETWEEN YOUR AGENCY AND XXXX  OR XXXX. ALSO, YOU CAN NOT UNDER FEDERAL LAW IGNORE AN IDENTITY THEFT POLICE REPORT WITHOUT LEGAL SUBSTANTIATION. 
IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XXXX EQUIFAX DELAY TACTIC LETTER. 
PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-12-07
Company: EQUIFAX, INC.
State: FL
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:
This is an ongoing and continued fraud being carries out by XXXX, Equifax and XXXX. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and Equifax has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my Equifax credit resulted in a report from Equifax on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Approximately during the month of XXXX, I upgraded my internet service with XXXX XXXX XXXX. A month later I received two bills from XXXX XXXX XXXX and when I contacted them, they said I only had to pay one bill. Approximately a month later, I received a letter from XXXX XXXX XXXX stating that if I did n't pay my bill, I would be send to collection. Again, I contacted XXXX XXXX XXXX and they confirmed I did not owe anything. Then again, I received another letter and XXXX XXXX XXXX said I did n't owe anything. Now, I received a letter from a collection company ( Franklin Service ) dated XXXX XXXX2017,  and they are asking for me to pay {$80.00}. I immediately contacted XXXX XXXX XXXX and they confirmed I did not owe anything. I also contacted the collection agency to inform them what XXXX XXXX XXXX told me. The collection agency is not wanting to remove the amount I supposedly owe because XXXX XXXX XXXX has to contact them. I have tried talking to XXXX XXXX XXXX and they say they are unable to do and unable to send me a letter stating I do n't owe them Anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Todd, Bremer & Lawson, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a parking ticket with XXXX  XXXX University originally. All Tickets were paid in full. 

I was deducted {$30.00} from my account in XX/XX/2019 from my bank account without my permission this was not authorized by me and without me knowing. I would like that returned to me. 

Todd Bremer & Law XXXX Merchant Address XXXX SC XXXX In addition, they have sent me this letter attached saying that I owe an additional {$30.00} which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
OnXX/XX/2020, I received a bill from Fifth Third Bank in the amount of {$8400.00}. Since I have never been a customer with Fifth Third Bank, much less applied for a line of credit with them, I immediately called their Resolutions Department to indicate that this was a case of identity theft. Judging from the bill, the card was maxed out in two days, with charges originating in Indiana. I live in Michigan. I explained to the agent in the Resolutions Dept that I had lately been the victim of several cases of identity theft with other banks and companies which occurred in the week directly after XXXX and the first week of XXXX. ( I placed a credit freeze with the three credit agencies around this time. ) The agent explained that the bank would be sending an affidavit for me to sign and notarize swearing that I was not responsible for the charges. 

I faxed Fifth Third Bank this affidavit as soon as I received it, on XX/XX/2020. After repeated inquiries on my part, I finally learned on XX/XX/2020 that Fifth Third Bank rejected my appeal. Their reason for doing so, according to the agent to whom I spoke, was that I did not include a police report. This took me by surprise since a police report had never been requested. In my naivete I had thought that this was a fairly self-evident case of identity theft. I have never maxed out a credit card in my life ; the fraud occurred in XXXX, IN, whereas I live in Michigan ; the same location was used in a XXXX XXXX obtained fraudulently in my name that XXXX XXXX reviewed and determined was a case of identity theft ; I did indeed file a police report on XX/XX/2020 ; and the bank had my sworn statement that I did not make the purchases, much less apply for the credit, it says I did. Fifth Third Bank has been apprised of all these particulars but nevertheless seems determined to extort more than {$8000.00} from me for no other reason than the fact that a thief has duped them into believing a lie. 

Given the failure of Fifth Third Bank to act in a timely manner in responding to my appeal and given its shifting account of what I must bring forward to prove my innocence, I have no other recourse but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital One constantly sends me credit card offers in the mail, for years, I have never once considered taking them up until I recently wanted to start building my credit. I applied with them and was denied, I still receive a ridiculous amount of offers in the mail and want it to stop. It is spam.

Company response to consumer: Closed with explanation