BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was chatting with Citibank on XX/XX/2019 at XXXX when the chat first started. I was asking a simply question about my minimum that was due and why it was so high. I was trying to see if it was possible to get it lowered. I have never been late on payment or never NOT made a payment. I have never been charged so high as of recent and was trying to figure out what could I do to get it lowered. They kept telling me the standard information. Which I understand, I was possibly trying to get it lowered because I am a loyal customer over 12 years. I was forwarded over 3 times to different people that told me the exact same thing. One representative was rude, name XXXX ID # XXXX. Not sure if the ID number is correct because they were hesitant to give me his information. He was very rude and disrespectful and just told me to pay the bill as if I don't pay my Credit Card bill at all or on time. To simply this matter I was just wondering what could have been done differently. The actions was letting me pay {$150.00} this month and a {$10.00} credit. Its cool and all but that's still not answering my questions or concerns.

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 2019-04-19
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened up a new checking and savings account with Citibank in XX/XX/XXXX through a promotion that would pay a bonus of {$400.00} if I maintained {$15000.00} across the two accounts. I deposited the required amount of funds into the savings account and maintained the balance for the length of time required by the promotion ( in fact, the {$15000.00} is still in my savings account to this day ). In XX/XX/XXXX, Citibank closed my checking account without my knowledge. 

When I inquired about payment of the promotional bonus, I received the following message from Citibank : " We show that Checking account number # XXXX was closed on XX/XX/XXXX ; therefore, the account is not eligible to receive {$400.00} in fulfillment of Promotion XXXX. '' I spoke to two different Citibank supervisors via the CitiPhone line, who both assured me as the checking account was closed by Citibank without my knowledge, that I was entitled to the promotional bonus as I had kept the full {$15000.00} in my savings accounts as required by the promotion. They both promised that I would receive the {$400.00} within 10-14 days. However, in both cases, I received a letter from Citibank denying that I was owed the bonus. My last contact with a manager was on XX/XX/XXXX at approximately XXXX ET. 

Citibank has acted fraudulently and in bad faith in this situation as the reason they are now denying my bonus was due to an action that they took unilaterally. Further, they still had access to my {$15000.00} during this entire time.

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 2019-02-13
Company: EQUIFAX, INC.
State: IN
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 tried to dispute with Equifax a credit card on my account they showed I owed XXXX , it was actually XXXX and paid off, but they wanted to prove it was me by asking when my report was locked, I looked at my report and it showed no previous lock, but he said it did and I would have to file by mail ... 

Here is the problem : all my credit report said was { File Blocked For Promotional Purposes } The other two credit reporting agencies allow for disputes without having a 10 digit number, I don't understand Equifax 10 digit number cause it doesn't show up on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
And sent me a letterTo whom it may concern, I sent a certified dispute letter to Transunion back on XX/XX/2021 asking them to validate and verify a bankruptcy placed on my credit report. Transunion stated that 3rd party company ( XXXX XXXX ) verified Bankruptcy as accurate. Transunion sent me a letter on XXXX XXXX stating account was accurate. I wrote XXXX XXXX and asked them for there method of validation. XXXX XXXX could not Validate or verify Bankruptcy. I sent a second certified dispute letter on XXXX XXXX along with letter from XXXX XXXX. The letter from Lexis Nexis stated, they were unable to verify the accuracy of the bankruptcy that Transunion stated was accurate. Transunion received my certified letter of dispute back on XX/XX/2021 and have not responded to me therefore, exceeding the 30 day response required by the FCRA. ( Please see the attached documents provided below )

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 2022-03-31
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Approximately {$13000.00} was removed from my coinbase account on XXXX XX/XX/XXXX by hackers whe seem to have accessed my telephone number through a coinbase breach. This was not authorized by me and I have been trying for hours and hours and hours over the last three days to file a complaint with the Coinbase fraud department... unsuccessfully .... I have no access to my account which is no longer critically important as agents have told mt that I now have a XXXX XXXX  balance. I need to be contacted by the fraud department and for them to care about this. Sadly they dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be zero, exactly zero reason to sign paperwork on a loan more than 23 years old. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX  University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be XXXX and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.

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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported 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 2021-11-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I asked that you investigate and remove the unauthorized inquiry on my credit report. 
CAPITAL ONE AUTO FIN Inquiry from XX/XX/2019 I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have long contented that the credit card account was not opened or authorized to be open by me and I suspected a one time member of my household opened and concealed the account from me until their passing. I have repeatedly disputed this alleged debt with the credit bureaus as identity theft with no positive result and have suffered with a negative credit entry that I am not responsible for. Today I received a letter from the alleged debtor stating an option to pay the alleged debt at a 70 % discount. Despite the fact the alleged debt is a result of identity theft I felt this might be a somewhat acceptable opportunity to settle this with the stipulation that once the debt is paid the tradeline would be completely removed from my credit reports and this matter is resolved. I explaining to the representative that this alleged debt is the result of identity theft but was willing to pay the 70 % discount with the stipulation the negative tradeline would be removed. The representative rudely stated " not going to happen '' and went on to say the tradeline could only be updated to Not Paid As Agreed. This is completely unacceptable and fails to resolve my issue of removing a negative tradeline that I did not create nor authorize. Therefore as per my rights under the FDCPA I am submitting formal compliant regarding this alleged debt in which I demand the alleged debtor provide proof that I in fact opened this account. The proof I require is a copy of my signature on the original credit application. Copies of past billing statements does not authenticate me as opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
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:
This is my XXXX time disputing these address on my credit file. I have never lived in NEW YORK  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2020-04-25
Company: EQUIFAX, 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:
This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK  in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX  CIRCLE XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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:
This is my second time filing a complaint with Equifax. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report, which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. There are more but the FTC report only allowed me to list 5. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what youre doing to us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
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:
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info?

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

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 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried opening an account and i couldnt.

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 2021-11-09
Company: DISCOVER BANK
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:
Apparently someone fraudulently applied for an XXXX student loan through Discover for {$20000.00}. I received two letters from them where it states it was denied because they could not confirm my identity. I spoke to the fraud department on several occasions to try to have this hard inquiry removed from my credit report and I had to explain that it was not me who applied for this loan. Someone else applied without my knowledge or permission but they said they were not allowed to share the email address with me of who applied they said I would have to file a police report. At this point I just want it removed as a hard inquiry on my report one of the letters I received is dated XX/XX/2021 the application ID is : XXXX, Discover address is : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. They told me they would send an email to the three major credit bureaus explaining that this application was done fraudulently but I could only confirm with XXXX that it was removed from there end. It is still showing on my XXXX report and as for XXXX I can not get a hold of a live person. XXXX informed me that I had to write a written complaint regarding this and also to write to you guys explaining as well so that FTC could send me a form that I can in turn send in to XXXX credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX and Equifax was sent a ftc report on XX/XX/21!! All 3 bureaus have ignored my ftc report requesting fraudulent information be blocked from my report. Ive a victim of identity theft! All fraudulent accounts was listed on my ftc report. I also sent proof of address and identity. The following accounts are 1XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX. 
Its also a number of fraudulent inquiries listed on my ftc report also. 
per fcra 605b all fraudulent items must be blocked within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
UNWILLINGLY WILL NOT MOVE FURTHER WITH MY REQUEST FOR A DISPUTE AND HAVE IT PROCESSED BECAUSE YOU FEEL AS THOUGH I AM TOO XXXX TO WRITE MY OWN LETTER. THIS IS MY THIRD REQUEST TO HAVE MY DISPUTE HEARD AN PROPERLY DISPUTED. MIGHT I REMIND YOU THE FCRA CLEARLY STATES EVERYONE IS ENTITLED TO DISPUTE WRONG INFORMATION. PLEASE VALIDATE MY REQUEST AND NOT VERIFY INFORMATION THROUGH YOUR PORTAL OR SYSTEM E-OSCAR AND JUST MATCH NUMBERS AS MY IDENTITY WAS STOLEN AND WAS TOLD TO YOU IN NUMEROUS WAYS. THANK YOUR QUICK RESPONSE IN THIS MATTER REGARDING MY IDENTITY USED WITHOUT MY KNOWLEDGE AT THE TIME.

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 2017-10-29
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:
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted.

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

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 2021-05-12
Company: EQUIFAX, INC.
State: MO
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:
On XXXX XXXX I sent dispute letters to Equifax. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!

Company response to consumer: Closed with explanation