BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
I have been filing disputes with the 3 major credit bureaus for months, and receive no answers to my disputes...

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 2021-06-16
Company: Experian Information Solutions 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:
XXXX XXXX is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.

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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-03-06
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I applied for, and received a secured credit account backed against {$200.00} of my funds, deposited with Citi for a one year period. I have maintained a 100 % on-time payment record in the 1 year and 6 months since. I have repeatedly inquired as to my maturity date on this card, in order to recover my deposit. In every interaction, I was told XX/XX/XXXX. Upon contacting Citi on XX/XX/XXXX, I was told that I had matured and that my payment would arrive electronically back to the account the deposit had come from on XX/XX/XXXX. Today, XX/XX/XXXX I called to ask where my deposit was, and was told that my maturity had been extended another full year to XX/XX/XXXX. Citi is baselessly holding my deposit without cause and artificially declaring its right to hold onto my money against its communications and assurances, and I expect that deposit returned per the original terms, and every communication since opening.

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 2021-03-04
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have wrote to The collection agencies XXXX and Equifax to remove this from my credit report and it has not been removed. This bankruptcy has been on my credit report since XX/XX/2012. This bankruptcy has reached a statute of limitations for Georgia which is seven years. I would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Lvnv funding LLC XXXXXXXX XXXX XXXXXXXX bank XXXX open XXXX amount XXXX sold to this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX {$1100.00} {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} {$0.00} XXXX XXXX XXXX {$0.00} XXXX / XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$700.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Customer paid through XXXX and they are holding the money. It has been 9 days and we can not get in touch with them by phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Coinbase, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX disabled my debit card in XXXX without any reason specified. Following a phone call, they corrected the issue and I was able to use the debit card again. The message was " Our team has completed our investigation and has determined that your account meets our criteria to be unblocked for use. '' A few weeks later, the card was again suspended. I again opened a case ( # XXXX ) and the response received was " We completed our investigation of one or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' I have repeatedly asked to know what what transactions are in question and which part of the card member agreement is in violation. Per the Terms is Service for the debit card, I am entitled to investigation documents upon request - I formally requested this information and my requests have been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been with Mr Cooper 17 years and have never missed a payment. I have been in the process of refinancing my home and the loan officer is XXXX XXXX XXXX. For the past XXXX weeks I have reached out to her 3 times and she has failed to follow-up with me and has failed to provide the customer service. I called on Saturday XX/XX/2020 Me Cooper to comment on my experience and a manager would call me back. It is Tuesday XX/XX/2020 and I called again Mr Cooper and was on the line for 47 minutes with no guidance or customer support to remedy the situation. This experience no customer should endure. I highly recommend you do not do business with Mr Cooper as you will regret the negative experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Dear Sir/Madam, This is the letter of complaint about a loan application through     XXXX   XXXX   We applied for a loan at the end of  XXXX  to buy a condo unit in  XXXX . Mortgage broker  XXXX   XXXX  advised us to apply for the loan as a secondary home, and assured us from the beginning that our application will be approved. Trusting his assurance ; we paid initian fee and started the process. Projected closing date was the end of  XXXX . We were asked for tremendous amount of paperwork and never given the guidance how to prepare it. We enrolled brokers ' supervisor but again without any support. We did not complete the process in time as our phone and emails/text messages never returned timely. Eventually, our application was denied and information was not given directly to us but to our real estate agent. The reason for the denial was that wrong type of loan was applied for. We were told that we should have applied for different type of loan from the beginning. With the fear of loosing our downpayment ; we ended up applying higher rate with higher points, which costed us  XXXX  $ extra money.   If we were told the truth from the beginning and treated timely and professionally we would not go through this misery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2017-04-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In  XXXX   XXXX , I opened a bank account  with BMO Harris  Bank in which I would earn a {$300.00} bonus after completing  XXXX  direct deposits. My  XXXX  direct deposit was completed on  XXXX   XXXX ,  XXXX . It is more than 100 days since completing the requirement and I still have not received my {$300.00} bonus.

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 2022-05-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: CT
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Southwest Credit on XX/XX/2021. I was told by a asked the Southwest Credit employee that I owed XXXX XXXX {$190.00}. The amount on my XXXX XXXX XXXX report states I owe {$190.00}. I asked the Southwest Credit employee to mail me proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges, the date of and basis for each charge. I wasn't mailed any of the documents. The only letter I was received on XX/XX/XXXX was an account summary of the debt I supposedly owe with different amounts than what the employee told me, stating I had 30 days to dispute the debt, and a NY Dept. of Consumer Affairs License Number. Because I wasn't given the documents I asked for, I emailed Southwest Credit on their website SWC Group on XX/XX/XXXX to complain about not getting any of the documents they're legally obligated to give me and to ask SWC Group to either email or mail me the documents. Today is XX/XX/XXXX, but no one at SWC Group has emailed or called me. Meanwhile, my credit score was XXXX for more than a year because of the debt on my XXXX credit report. I was turned down when I applied for apartments because of my credit score. I'm not going to pay a debt unless I have proof I owe the debt. I'm also not able to dispute a debt if I don't have the documents I need, a fact SWC Group is well aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: MS
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:
In XXXX of XXXX and XXXX of XXXX, five different loans were opened in my name using an address of XXXX XXXX XXXX, XXXX, NC XXXX. The five loans where through a company called XXXX XXXX and ranged in cost from {$8.00} to {$3700.00}. That address has never been a residence where I have ever lived. 
In XX/XX/XXXX, I called XXXX and spoke with XXXX about my fraudulent claim but no help. 
I called Experian and spoke with an automated phone service and that resulted in zero help. 
I disputed the loans online through Experian and that did not help me either. 
I then sent an Identity Theft claim through the Federal Trade Commission and that resulted in 4 of the loans being taken off my credit report. The loan that remains is the {$8.00} one and it is listed as a charge-off. Also, that address is still listed on my credit history.

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 2022-05-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-12-15
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: MI
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:
I am rejecting this response because : this account was removed from my credit report and put back on according to 15 Us code 1681i subsections ( 5 ) ( b ) ( I ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Also ( 5 ) ( b ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify theconsumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by theconsumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
ON XX/XX/XXXX {$12000.00} WAS WIRED INTO MY BUSINESS XXXX. CHASE SENT ME A NOTICE STATING THAT THE MONEY WOULD BE CREDITED TO MY ACCOUNT THE SAME DAY ON XX/XX/XXXX. THE MONEY WAS NEVER CREDITED. I WAS NOT AWARE SOONER SINCE CHASE MAILED THE NOTICE TO MY FORMER ADDRESS THOUGH MY ADDRESS WAS UPDATED WITH THE BANK. WHEN THE AMOUNT WAS CLAIMED BY A CLIENT AND I CHECK MY BANK STATEMENT FOR THE MONTH OF XX/XX/XXXX, IT SHOWS THAT THE MONEY WAS NEVER PUT INTO MY ACCOUNT. I CONTACTED CHASE ON XXXX ; XXXX AND WAS ON THE PHONE FOR ABOUT ONE HOUR. I WAS TOLD THAT THE MONEY WAS NOT PLACED IN MY ACCOUNT BUT THE PERSON, XXXX COULD ONLY CHECK BACK FOR 2 YEARS. SHE TOLD ME TO GO INTO A BRANCH. XX/XX/XXXX I WENT INTO THE BRANCH IN XXXX XXXX, NY AND MET WITH A BANKER, XXXX WHO CALLED CHASE ALSO AND AFTER SPEAKING WITH THREE DIFFERENT PEOPLE, SHE WAS TOLD THAT THEY COULD ONLY LOOK BACK ONE YEAR. THEY GAVE HER ANOTHER NUMBER TO CALL. SHE GAVE ME THE NUMBER. WHEN I TRIED TO CALL FROM MY OFFICE, YOU NEED TO ENTER AN ID NUMBER, WHICH I DO NOT HAVE. 

CHASE KNOWS THIS MONEY WAS NOT PUT INTO MY ACCOUNT BUT DOES NOT CARE TO ADDRESS THIS. THERE IS A REFERENCE NUMBER AND AN XXXX XXXX XXXX NUMBER ON THEIR NOTICE TO ME BUT THEY DO NOT SEEM TO CARE THAT THEIR OWN BANK STATEMENT SHOWS THAT THEY NEVER PUT THE {$12000.00} INTO MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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