BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-09
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I received several calls throughout the day from XXXX in which no voicemails were left, in the evening I was able to answer the call which was from Citi Cards stating my account was past due. I accessed my online account through XXXX bank and gave the representative from Citi Cards, XXXX, the check and transaction number paid to them on XXXX/XXXX/16 in the amount of {$100.00} and asked that she update the record to reflect that the account was up to date and to also avoid any negative credit bureau reporting and she assured me she would. Unfortunately, I have continued to get calls from Citi Cards, literally, every two hours for the past week and I have spoken to Citi 's other representatives XXXX, XXXX, and XXXX restating the above info and requested an investigation ( # XXXX ) only to continue receiving collection calls, as they persisted to state that no payment was received or processed. I offered to e-mail Citi Cards proof of payment from my bank in which they stated they were unable to accept e-mails only faxes, unfortunately I am unable to drive so that was not an option for me. However, I did inquire about my previous discussions with their reps to which XXXX confirmed the documentation was reflected in their records yet she was unable to answer why I was continuing to get phone calls from the collection department. I then spoke with my bank ( XXXX, XXXX XXXX to re-affirm the payment was processed in which XXXX confirmed the check was cashed but actually on XXXX/XXXX/16 and she offered to fax the proof of payment to Citi Cards ; to which I called Citi Cards again, having an average hold time of greater than 40 minutes, to request their fax number. I was informed by XXXX that she did not have any fax number to give me and the only thing she could do was to transfer me to, I believe the processing department, in which I waited 33 minutes only to be disconnected. I then called back and spoke to XXXX which willing gave me the fax number ( XXXX ) to the Payment Investigation Department and then had XXXX from XXXX fax them the proof of payment. I hope this last effort will resolve this matter as the tactics, poor communication, lack of cooperation, and the time it has taken me to try getting this issue resolved has been frustrating to say the least and I sincerely believe that I have been harassed in this situation in which I was forced to help the creditor resolve their erroneous processing of my payment and hope that such irritating circumstances can be avoided in the future not only for myself but other customers!

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 2017-09-12
Company: EQUIFAX, INC.
State: CA
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:
Between XXXX XXXX and XXXX of XXXX I was XXXX of hundreds of millions of Americans whose data was leaked by Equifax. This is an unacceptable breach of trust from a company that I did n't voluntarily engage in business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2023 I deposited check with amount of {$2200.00} through the ATM in Capital One XXXX to my checking account in this financial institution. 
Normally money available fully ( if deposited through a cashier ) or partially ( if online ) but only if you deal with a decent bank. In case of Capital One these cheaters do not provide cashier service and instead of expedited on-line services they simply delay operations taking advantage of saving their business expenses in both online and offline cases for the cost of customers ' convenience. 
The check has come from well known job-related settlement of the Doe v. XXXX , Inc. lawsuit . The check obviously is legitimate and covered by XXXX and Settlement Administration so there is no doubt it would be paid. Capital One had enough time during long weekend to make sure the check is fine but instead on XX/XX/XXXX these clowns sent me email claiming " there's an increased risk that the deposit may return based on confidential information that indicates the check may not be paid '' and availability of funds delayed. Really? Tell XXXX about these clowns ' opinion, what would they say. Besides such a statement was quiet offensive, the delay is totally unreasonable and inappropriate for me since I relied on those funds to make my car fixed and Capital One caused lost wages since I use my car for driving XXXX and soonest repair was essential. 
Furthermore Capital One placed restriction on my checking account claiming account was overdrawn. While the {$95.00} overdraft of an account is still not a solid reason ( it was not a first time account overdrawn and was always covered without any problem ) for placing any restriction on it, by the time they made such a decision they already had my legitimate check deposited and it was more than enough to cover the overdraft so decision they made was illegal. 
Now they are going to close my checking account ( without a good reason ) and my remaining funds would be paid by transfer to external account which cause additional delay of availability of my money for approximately one another week, which also has no good reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim 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 non-monetary relief
Consumer complaint received 2019-12-02
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX XXXX for method of verification for a bankruptcy they are reporting. I sent a letter XX/XX/2019. I will attach at the end. I called and spoke with a rep and she reassured me they have until XX/XX/XXXX to send me a letter with the information. She told me the investigation team goes to the actual court and request the info. I received a letter in the time being from XXXX courts stating they do not report info to XXXX XXXX nor the bureaus. This is a violation of my rights on all levels. I asked them to remove from my file due to the fact that they can not validate the false information they have sold about me. This is unfair. Please assist me with this complaint. I asked them to send all documents used to verify this info and all methods they used since i have THE RIGHT TO OBTAIN THAT INFO

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 2020-12-16
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:
This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( XXXX XXXX XXXX XXXX ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.

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 2023-10-28
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
" You sent XXXX XXXX via XXXX network To : XXXX " However it's been over XXXX hours and on https : XXXX or any other blockchain for this address " XXXX " it does not show that any amount of this such has been deposited to this address on XX/XX/2023. My account was also frozen/ blocked and I am unable to login to my account to view the pending transaction " If it even is pending, I am not sure at this point since they blocked my account ". I have also tried to re-verify with my passport and driver ID of XXXX / XXXX to unblock my account and they are denying me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian didnt remove XXXX account from 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 explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: AL
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 have sent multiple dispute letters to the bureaus to have these accounts removed from my credit profile : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting any proof of debt or signed document by me that validates the debt and it's been over 90 days. Laws in 15 USC 1692 have been violated by the company 's actions and I request you to remove these negative accounts from all bureaus IMMEDIATELY! I will be looking to file an suit and complaints with FTC because my rights and livelihood has been affected by their actions.

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 2017-09-12
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Today, at work, a colleague was contacted by this creditor and told it was a creditor, told them I would be arrested at work, and the colleague messaged me in a panic. I called the creditor, who could n't even find me in their system. I was forwarded to the ext I was given, and the person -- XXXX XXXX, lied to me and told me she did n't tell my coworker that. We have call recording at work, I heard it myself. This is abusive. And humiliating.

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 2018-05-22
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX i look up my credit report and my bankruptcy was still showing, i file in the mid of XX/XX/XXXXand i have ask the credit bureau to remove it that state that they will investigation they came back verified, i ask them how they verified because the bankruptcy court said that they dont verified to third party are credit Bureau it against the law, so im asking that you please investigate because i have been waiting out my years with bad credit long enough for them now to drag they feet and dont investigation a legitimate way please help Im XXXX  with XXXX and hoping i can move in my own place in my own name for once

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 2023-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-27
Company: Experian Information Solutions 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:
i don't have an account with fig loans. please delete from my credit report immediately.

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 2018-12-19
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: Old information reappears or never goes away

Complaint:
I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.

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 2017-09-12
Company: EQUIFAX, INC.
State: AL
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:
Contacted Equifax regarding fraudulent inquiries that were placed on my credit report. Spoke to a representative about the removal of the inquiries but was told it was nothing they could do. I was told to contact the creditor. However, the creditor informed me to contact Equifax. Equifax later reported that they verified the inquiries as mines. Which is not true. Equifax has been dishonesty and not properly verifying information. 

The inquiries that were not authorized by me is : XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX inquiries ) XXXX XXXX /For, XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX has received an official identity theft affidavit and I am uploading this as well for Trans Union to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given General Revenue the police report numbers from the XXXX XXXX XXXX police department report-XXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. XXXX has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and XXXX for abusing the law and the misinterpreting the FAIR CREDIT REPORTING ACT.

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 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
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: Reporting company used your report improperly

Complaint:
Credit Karma has sent over XXXX 's of adds to my home, phone, laptops, computer, as I applied & an I feel has never intended to assist with credit card assistance ... .Just abused my personal info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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