BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: WI
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:
I did not receive my XX/XX/XXXX and XX/XX/2018 credit card statements, which meant I did not make my required payments by the due dates. After numerous conversations with credit services, XXXX XXXX   acknowledged their mistake and vowed to update my credit reports to reflect no late payments. However, XXXX XXXX did not correct two of my credit reports and now it's adversely affect my ability to refinance my mortgage. I provided XXXX XXXX with the requested information however, they have not updated my credit report, as they indicated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I closed my account due to poor service and a single fraudulent charge. I told the agent to close the account and not to open another card and that I would be going to another bank. My card was closed permanently and I was not able to open a card at another bank in spite of my impeccable credit worthiness. I believe Citibank XXXX XXXX  XXXX XXXX XXXX, SD XXXX phone XXXX put a security breach of some kind on my credit in error. I have called a number of times to no avail. I have also called a number of times trying to open my original account to no avail. I have written a letter and received a denial of my applications and requests. Upon telephoning the company I receive a recording telling me that they are receiving too many calls and I need to call back later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Due to multiple disputes on XXXX XXXX XXXX account ending in XXXX that has not been corrected I have used all my free credit reports. I have disputes this 10 times and they still have not corrected it. I have sent end documentation electronically, by mail, and by certified mail multiple time. I have call 20 times and they still have not corrected issue. The acct ending in XXXX show charge off with balance and 23 missed payments that has not been corrected. I have sent 5 letters for  method of validation since XXXX of 2019 and they have not responded to any of the letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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  and Transunion are reporting incorrectly that I am ( 120 )  days late on the DPT ED/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-08-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, my CitiBank Best Buy card was charged {$200.00} for a XXXX XXXX renewal. I was not informed of this renewal charge at any time. I did not receive a bill in the mail from Citibank Best Buy nor did I receive any notification from XXXX XXXX this charge was to occur. 

On the morning of XX/XX/XXXX, I received a text message stating my Citibank Best Buy Credit Card was delinquent. I therefore called Best Buy Citibank who stated that I would need to dispute the charge with XXXX XXXX. I contacted XXXX XXXX and spoke with XXXX who stated that the full {$200.00} would be refunded to my account within 24 hours and that I would receive confirmation of this. 

After waiting more than 24 hours non of the charges were refunded, therefore I once again contacted Best Buy and Geek Squad. Initially I spoke with a representative of Best Buy Citibank. I mentioned that to her that I never received a bill from Citibank concerning this transaction. She stated that according to their records one was sent but agreed to waive the charge since sometime mail gets lost. 

I then spoke with Geek Squad Supervisor XXXX from XXXX XXXX, who stated that " since my Geek Squad Renewal was not cancelled within 30 days, they were only able to prorate the charges and not the full amount ''. XXXX said that XXXX XXXX sent an email informing me of this renewal prior to the charge being applied. XXXX than verified an incorrect email on file. I NEVER received email renewal notification since it was sent to an incorrect email address!. 

After the XXXX XXXX prorated charge was removed, my Best Buy Citibank card now reflects a delinquent balance of {$34.00}. XXXX XXXX says they cant remove the charge since I did not cancel within 30 days ( I was not notified of this transaction more than 40 days after it occurred ). Best Buy Citibank says they can't remove a charge which was authorized ( I never authorized this charge ). 

After 4 days of phone calls and more than 5 hours on the phone I have finally be able to lodge a dispute with XXXX. However they are still reporting my delinquent and threating to negatively impact my credit if payment is not made on the remaining balance. 

Having never missed a single credit card, installment or mortgage payment, I take my credit very seriously. However at this point I believe I am being extorted to pay for a service I did not ask for, never received notification of renewal, never received a bill and never used. This is a prime example of UNFAIR AND DECEPTIVE PRACTICES!

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 2020-11-18
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2020 In the XX/XX/2020 bill from ATT Universe I was charged with something I did not buy or authorize to be purchased from a Best Buy store XXXXThe bill came online so I attempted to delete this charge but could not do so.I called the card company and told them I did not purchase the item or service.Whoever I talked to said a new card would be sent with a different account number but said nothing about removing the charge. I received the replacement cards and checked the account on line only to learn that in addition to the first there was a second charge in the same amount on the statement but had been placed on the replacement card account even though both charges were fraudulent. This process has continued in subsequent billings. I called phone number on the card talked with some without a name for over half an hour but nothing was resolved.At that time I told whoever I was talking to to cancel the account. I receive harassing emails and daily phone messages from-XXXX. I have done nothing wrong yet I am harassed and threatened. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
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:
I contacted Equifax today at XXXX XXXX  I spoke with XXXX in the dispute department to dispute a XXXX XXXX account that is being reported on my credit file. I've went through steps 1 and 2 in disputing the item which suggests that I owe XXXX dollars in XXXX XXXX   which is a closed account. I requested from Equifax that they provide me with a written wet inked contract that bares my signature on it within 30 days per FCRA 609 But XXXX requested that I send something to them proving that the debt is not mine the law clearly says that the Credit reporting agency that is reporting anything on my file should have maximum proof that the item belong to the consumer. In this case maximum proof will be a contract with me and the debt collection agency. I also informed XXXX that if she refuse to provide me with the requested documents she can be sued in the Court of law XXXX then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have been reaching out to TransUnion concerning to previous complaint about the inaccuracy being reported on my report. However, TransUnion have failed to provide me any feedback and updates with regards to my concerns. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$970.00} XXXX  ( Original Creditor : XXXX XXXX ) -XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been contacting them for over 1 year and trying to dissolve this. Our original contract said our last payment was XX/XX/2019 we had deferred 2 payments so I sent our last payment XX/XX/2019. After calling numerous times we were then told that we still owed XXXX dollars. So we got to checking our payment history I called Dietech and ask what the insurance was for and was told it was because we did not have Homeowners Ins. I sent proof we had never had a lapse in coverage and that they had taken out over XXXX dollars for insurance but as of today they still will not release our deed.The first page I sent is from our attorney to them, the second is showing the letter from there attorney showing we had no reagages and were up to date then the third is from Dietch and the last three are showing just some of the pages where they charged us ins.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, my balance on cashapp was {$45.00}. On XX/XX/2020 my balance is -XXXX, There is no record of any transactions. So {$45.00} just went missing and there is no one to speak to or even a way to communicate this to them. It is my honest belief that CashApp stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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:
THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: 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 status incorrect

Complaint:
Transunion keeps reporting an account in collections that was settled in XXXX. The creditor has sent letters and they do not delete it. I have the letter they have provided. I have sent the letter with multiple attempts to get it updated with he right information

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 2019-08-13
Company: AMERICAN HONDA FINANCE CORP
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:
XX/XX/XXXX I sent all requested documents to Honda Financial and XXXX stating that I was a victim of identity theft also I opened a dispute with both Honda Financial and XXXX. This account has been deleted from both XXXX  and XXXX but it's still reporting in XXXX. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX  diagnosis.

I've also completed and faxed the ID Theft Affidavit to Honda Financial Services on XX/XX/XXXX. I have not received a response or updates on the status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Self Financial 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 status incorrect

Complaint:
Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Southwest Credit Systems, L.P.
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I was XXXX out of the United States. Before leaving I took the proper steps to suspend my account due to military XXXX with XXXX XXXX. I suspended the account on XX/XX/XXXX. On XX/XX/XXXX and once I was no longer in the states, XXXX reopened my account for another individual who moved into my old apartment. The customer service stated they had the right " because they knew my address '' which was an address I no longer lived in due to being XXXX. I feel this is a privacy violation and seems XXXX was very open to giving my account to another individual I do not know, and am concerned on what else they sent and gave them that could have possibly contained private information. Once the situation was brought to the company 's attention I was verbally told the amount would be credited to my account. On XX/XX/XXXX, I returned my router and equipment and had to talk to another individual at the XXXX XXXX, VA store on XXXX XXXX because the problem still was not resolved. She was extremely helpful and wrote down voucher numbers for each credit that was supposed to be on my account. I was charged {$120.00} along with {$93.00} and a large amount of late fees due to myself not knowing or paying the charges because I was no longer in the states. The late fees were dropped, and after the encounter at the store the {$120.00} was dropped and no longer held against me. I found out that once again XXXX had not cleared me of the {$93.00} which was disputed on XX/XX/XXXX for the third time. After which I was told once again the charges would be dropped. I also called each credit bureau to dispute the charges off of my credit. I noticed the charges were dropped off of my XXXX XXXX account as well. I moved to XXXX on military XXXX in XX/XX/XXXX. Now on XX/XX/XXXX I received a letter from a Debt Collector by the name of Southwest Credit stating that I still owe XXXX the {$93.00} that was disputed and closed two years ago. I have called the collector and am once again disputing the charges. While talking to the Debt Collector I was told that XXXX had opened the account with them on XX/XX/XXXX. I tried to upload documents to the website the Collector gave me in the letter but was blocked from doing so. I feel as if XXXX is extremely careless in how they handle accounts. My private information was not protected and my account was allowed to be opened under someone who I do not know and someone who could have possibly used my information in a negative way. I do not owe these charges and it is completely wrong for XXXX to keep harassing me for an amount I do not owe, and was closed two years prior after being repeatedly told that I would be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: HI
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 made a loan with XXXX  XXXX XXXX that was charged off in 2017. I called the XXXX XXXX to pay off the loan and found out the loan had been sold to XXXX XXXX. I called XXXX XXXX to settle the account for {$7200.00}. 
I paid them {$100.00} on XX/XX/2017 and {$7100.00}. Experian, XXXX and XXXX still wont show on my credit bureau that it was paid off. When I sent in my request to have it removed the Experian said they contacted XXXX XXXX XXXX and they said " the chargeoff was correct ''. My response is there was a chargeoff but I paid off the chargeoff even though it was sold by XXXX XXXX XXXX to XXXX XXXX. XXXX paidoff The XXXX XXXX and I in return paidoff XXXX XXXX. 
My credit bureau should read that the chargeoff was settled and paid off! 
If you have any questions or need proof of payment I can email proof of payments! 
Thank you, 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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX issued by XXXX XXXX has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & Transunion ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.

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 2019-08-13
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 ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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: Their investigation did not fix an error on your report

Complaint:
THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation