BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion Factual data XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them

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 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 made several transactions with the merchant XXXX to purchase virtual currency. I had 2 of my bank accounts linked to my account with XXXX. On XX/XX/XXXX & XXXX, I unlinked my Bank of America account with XXXX as I wanted XXXX XXXX  to charge my XXXX XXXX account. XXXX  even sent me text messages asking me to confirm that these transactions on XX/XX/XXXX & XXXX are to be charged to my XXXX XXXX account ending in XXXX. I confirmed the transactions and then I check my Bank of America account and I noticed that XXXX charged my Bank of america account instead of my XXXX XXXX account. So I filed a dispute claim with Bank of America on XX/XX/XXXX claim # XXXX and I also sent documents to Bank of America showing that these transactions were supposed to be charged to my XXXX XXXX account and that I didn't authorize the merchant to charge my Bank of America account. So Bank of America issued me a temporary credit in the amount of {$400.00}. Then on XX/XX/XXXX I receive communication from Bank of America stating that after conducting their investigation they have concluded that I did authorize the merchant to charge my Bank of America account and that the credit that BofA issued me for {$400.00} will be reversed on XX/XX/XXXX. BofA said that they will send me documents to show how they resolved my claim, but never did. They have also reversed the temporary credit that they issued me.I have been trying to contact XXXX  since XX/XX/XXXX but no reply back that is why I filed a dispute claim with BofA. I did not authorize the merchant XXXX  to charge my BofA account and want to be reissued a permanent credit of {$400.00} and another {$2000.00} for any transactions that I made on my BofA account that were returned and penalties that resulted because my account was negative.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and Experian, XXXX and XXXX destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Issue with Best Buy City Bank Credit Card - 5 % Cash Back Not Honored Hi there, I hope this email finds you well. I am reaching out to address a significant concern regarding my Best Buy City Bank credit card. I have made numerous calls to City Bank and Best Buy this week, totaling up to 10 calls in total. During these calls, I have opened two case numbers : XXXX and XXXX. Each time, the representatives have acknowledged that I am owed 5 % cash back for my purchases at Best Buy. However, whenever I am transferred to a supervisor to process the credits, the call either gets disconnected abruptly or the supervisor is unable to assist me. 

Interestingly, the representatives I have spoken to also mention other promotions related to gas stations, restaurants, and other entities that are not relevant to my situation. I solely use my card for purchases at Best Buy and nowhere else.

When making a purchase at Best Buy with my City Bank credit card, I am given two options : either to finance the purchase or to receive 5 % cash back. I always select the cash back option.

In an attempt to resolve this issue, I have spoken with two store managers at the Best Buy store in XXXX, IL. Both of them have reviewed my case numbers and have agreed that I am indeed owed the cash back. Unfortunately, they informed me that the issuance of the credit falls under the jurisdiction of Best Buy HQ, and they are unable to assist me further.

I am growing increasingly frustrated with the lack of resolution to this matter. I kindly request your urgent attention to this issue and prompt action to ensure that the 5 % cash back promised on my Best Buy City Bank credit card is honored. I would greatly appreciate if you could provide an update or clarification on how this matter will be resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2023-06-21
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Made all payments up to XX/XX/ on there web site has if you want to change the due date change it which I thought was XX/XX/XXXX week later get notice that XXXXm past due on XX/XX/XXXX made 2 call both people it will be corrected on line the web site still has me past do 20 days, before I got a chance to call they called me about my past do when I had to stay on the phone for 30 minutes he tell me he would take care of it 1st to tell any problems I will call you back, no call back received my last call XX/XX/XXXX telling me Im 27 days past do go threw the same spill after being on hold for awhile he comes back on says because I changed the date to 7 days later I got to pay 1 full payment Im on fixed income the reason I tried to change the date to plus XXXX because my SS for the most part in the XXXX of the month, going back on the 1st call I did ask them switch it back to the XXXX of the month no where on their web site says anything about additional money for changing the date. Payments 100 percent on time and this company so unprofessional and its my fault because I changed a date and charge me XXXX some dollars to do it, Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-13
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: Account status incorrect

Complaint:
Ive contacted the frivolous fraudulent company so many times. They are reporting to my credit a suspended account with late payments and the account isnt suspended nor has it been late and I have the emails to go with it

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried already multiple times to remind XXXX XXXX the Covid Law in place but they still refuse to remove the late payments, while other credit companies have. 

XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX, XX/XX/XXXX ( 30 Days Late ). 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''.

That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.

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 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am on a payment plan per the settlement they sent me in the mail, the day o made my first payment they called and acted like they had no idea about the payment plan. Over the last XXXX weeks Ive received calls almost every single day with them trying to collect more money, Im tired of it. And when asked they act like they dont know a thing about anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through XXXXXXXX XXXX for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. XXXX XXXXXXXX  has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.

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 2023-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX. PA XXXX Account Disputing : XXXX From Portfolio Recovery Associates , LLC THIS COMPANY DOES NOT HAVE LICENSE TO COLLET any debt in the state of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Mr. Cooper Group 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a loan with Nationstar dba Mr. Cooper. Back in XX/XX/2021 they forced placed insurance on my loan while I had insurance. I provided them with the evidence of insurance to show that I did not have a gap in my insurance. I thought the matter was resolved and continued with my regular scheduled payment. My payments are all sent to them directly each month from my Bank. 

For some reason, In the month of XXXX they reversed several of my payments for the erroneously forced placed insurance and placed everything into a suspense account. 

I got on the phone with them again and thought the issue was resolved as they undid everything and reapplied all the payments but in the process ended up incorrectly reporting me 30 days late for XX/XX/2021. 

I was never late and always had insurance. I always paid the payment and made the payment for more than the minimum required amount. 

I have been trying to resolve this issue with them for a week now and keep getting the run around. I am in the middle of a real estate transaction that has come to a complete halt because of their erroneous late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
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 sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here are my tracking XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a Definitions ; rules of construction. 
The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they spoke with. 
How did they complete this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two different accounts were created in my name without my consent. A citibank account and mulitple accounts at XXXX. These accounts were opened within the last two months of 2021. I've reported these accounts as fraudulent 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 2019-04-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On the XX/XX/XXXX my account with paypal was put on limitation from the comptroller 's office of texas, my business owed them money. We paid the debt to the comptroller 's office and on the XX/XX/XXXX the comptroller of texas sent paypal a fax to release my hold. Two weeks and no word from paypal, no confirmation they received said fax ; limitation is still placed on account money can not be withdrawn or spent. 

Legally they do not have the right to keep the hold on the account. They do not communicate to me, their customer, on the case. Every contact I have had with them either by online chat and phone calls, they give me phone numbers to the comptroller 's office telling me they are the ones that have control to lift the limitation. 

Paypal does not connect me to their legal department of which they say once they get the paperwork from the comptroller 's office to release the limitation. Since comptroller office say they already sent it the ball is in Paypal court and yet they refuse to give me legal department in paypal nor let the legal department be informed they need to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage is with XXXX XXXX XXXX. I contacted the company because I could not make a payment in XX/XX/. I was approved for a XXXX payment plan on XX/XX/. Instead of my original monthly payment plan, I am making additional payments until the account is paid up. Well, they are reporting my account to the credit bureau as delinquent. This is not correct. I have an approval letter from their office with a payment plan. I have called several times to try to rectify the problem but keep getting the run-around. Please help!

Company response to consumer: Closed with non-monetary relief