BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is conducting false and fake investigation and repeaditly reporting false negative items to my credit report damaging my creditability with all of my financial institutions. I would like to extend another complaint to the CFPB with high hopes that my situation will be elevated to a more invasive investigative unit. I am highly concerned that they are continually shutting me down and refusing to properly investigate and validate their wrongful reporting. 
1. XXXX XXXX card # XXXX is reporting XXXX late payments and that is absolutely false and I would like the CFPB to join forces with EQUIFAX and properly verify this misinformation immediately. 
2. XXXX is the same. For some reason they are reporting the account as PAST DUE and it has NEVER EVER been late. I would like a full investigation with the HELP of the CFPB in order to validate and verify all information legally. 
3. XXXX, XXXX is an account that has violated consumer safety and protection laws against me as a consumer and has to be deleted for falsely and illegally reporting to my credit report with your company. They are in violation of FDCPA laws and are currently under federal investigation for threats, abusive conduct and illegal documentation and non-debt validation. 
4. The TAX Lien was withdrawn from my name and I DONT REQUEST INFORMATION SUCH AS MY NAME TO BE VERIFIED! I have repeaditdly asked them to stop sending me generic and un educated responses verify silly things such as my name and such. I have told them that there are court orders from 2011 withdrawing these invalid liens. VERIFY THAT OR DELETE THE TAX LIEN immediately as you are ILLEGALLLLLY reporting it! 

I will say this again and again. I will not take ANOTHER generic response as a form of validation of my disputes. You are clearly IGNORING me and have messed with the wrong consumer Equifax. I hope the CFPB can see you for who you are, a fake company in the pockets of ally of these companies who pay you XXXX dollars a month to ruin peoples lives! Correct these XXXX items immediately, I will not stand for your lack of proof, investigation and evidence. That is not a proper reinvestigation BY ANY TERMS!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted disputes with all XXXX credit bureaus on XXXX XXXX, 2015 regarding incorrect information on my credit report. The only response that I received was from XXXX and it was a letter stating that they believed they received a suspicious request regarding information on my personal credit file. I followed up with XXXX and was told to submit another dispute. I submitted another dispute on XXXX XXXX, 2015, addressing the lack of response from Equifax and XXXX and also addressing the letter from XXXX regarding the information I was disputing. I still have not received a response from any of the credit bureaus with regards to the results of their investigations and it has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an offer from Chase which I enrolled in on XX/XX/21 with tracking number - XXXX. Please see the uploaded attachment - XXXX XXXX XXXX. As per the offer, I can receive {$150.00} bonus for - 1 ) Settling {$1500.00} through XXXX XXXX within 90days of enrollment. 
2 ) Completing 5 Qualifying transactions within 90 days. 

I have fulfilled both the requirements - 1 ) Within 90days, I have made XXXX XXXX  transactions on XX/XX/21 for {$250.00}, XX/XX/21 for {$5.00}, and XX/XX/21 for {$1200.00} for a total of {$1500.00}. See highlighted lines on the uploaded file - XXXX XXXXXXXX XXXX 2 ) I have completed 6 Qualifying transactions within 90 days. See highlighted lines on the uploaded file - transactions.pdf So I have fulfilled all the conditions of this offer but the bank is still denying me the {$150.00} bonus. This is in spite of paying the bank {$52.00} in fees in relation to fulfilling the offer conditions ( See highlighted lines on the uploaded file XXXX XXXX XXXX XXXX  ). 

The response from the bank so far has been that - I had three qualifying transactions but they do not total the {$1500.00} to qualify. This I disagree with because as per the documentation provided by me, my transactions totaled {$1500.00}. The bank didn't tell me what is the total amount as per their calculation and how they arrived at that total. I am guessing they arrived at the total after excluding the {$52.00} transaction fees they charged me. My response to that is- the offer does not clarify whether the {$1500.00} total will exclude the transaction fees. The offer just says ''Settle {$1500.00} '' without clarifying what it means exactly ( uploaded attachment - XXXX XXXX XXXX ). To me, it looks like one must just accept {$1500.00} through XXXX XXXX ( irrespective of the fees charged ). If the bank is indeed excluding the fees for the {$1500.00} calculation, they should have clearly stated that in the offer which they haven't. By the way, these fees were retained by the bank itself. 

Ultimately, I paid the bank {$52.00} in transaction fees and got nothing in return. The bank did that by dangling a misleading promotional offer with clever words such as " Settle '' which they interpreted in a way that suited the bank best.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
no fraud on my report. not on public assistance.information reported over and over.can not recall dates, actions, amounts, because of false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided 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 2022-05-14
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX Account # XXXX, XXXX  Account # XXXX, BANKRUPTCY Account # XXXX, BANKRUPTCY Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Coinbase, 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:
i transfer XXXX to XXXX and still my money its not here they have very bad costumer service!! my account was disable for trading so i can not see my money or do anything i have several weeks trying to communicate with them but i keep receiving generics answers from bots!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: NC
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 not been able to view my EQUIFAX credit report since XX/XX/2021. Also, when I have applied for credit or responded to pre-approved offers, my EQUIFAX credit file is completely blank with a ZERO 0 in each field as if my own data doesnt exist. 

To mortgage companies, banks, credit card companies, and insurance agents, this show up as No File Found, and so Im denied credit and insurance products. 

I had trouble getting through to speak with an agent at EQUIFAX, because the system asks for your personal information. My personal identifying information like social security number and date of birth is attached to no credit file. The agent was able to see the file after an hour of pleading that I have a 28 year active credit history. He explained the report is in fact no longer available digitally and that I have to write a letter via USPS, wait for a technical team to get approval to print a copy, the send the paper report out in 10 business days. 

All US banking institutions require instant in immediate digital access to credit files in order to make credit decisions. 

Because EQUIFAX has removed my file, I am not able to refinance my mortgage now for 5 months and am losing out on low interest rates, which of steadily increased each month with my inability to see my FICO scores or file. I also can not receive credit line increases or open any new loan with companies that rely on EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There was a collection debt that has been recalled back by the creditor in XX/XX/XXXX, Equifax has not done nothing about it as of XX/XX/XXXX and still reporting it therefore affecting my overall credit score, I have filled a dispute with no results, when I try to access my account on the website I am always logged out, personal information on my account was changed by a creditor even after I submitted copy of driver license and social security card, there is no way to get a hold of the company customer service not on the website not over the phone, I was emailed links to see the investigation results but I can not access them because the link or the information is incorrect, I have searched online reports on complains about this company and find that time and time again thousands of complaints about this company from reporting to customer service, 1 ) why is this company allowed to report on persons/people credit report if they report incorrect information 2 ) why is this company still allowed to conduct business if they do not provide any customer service or the worst customer service in the world 3 ) why is this company allowed to conduct business if you can not access the information or dispute it I would like someone to provide information to me on how to have this company stop reporting on my credit report since the information they are reporting is incorrect, out of date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a printed credit report from Equifax and it appears to be correct. However, I first attempted to request a credit report online, on their website, the security questions did not pertain to me, therefore, I was unable to get a direct online report and had to request the printed version. I understand that Equifax provides the security questions for the Social Security online site also. Because those SAME security questions do not relate to me, I am unable to create a SS online account. I have tried several times to create an account and been locked out multiple times. Phone calls to both my local SS office and the national XXXX number have been of no help! Now I am wondering if someone has used my SS # to access a loan or was the information just recorded incorrectly. If this matter could be corrected, it would be VERY helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Penn Credit Corporation
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:
I sent a letter to Penn Credit Corporation on XX/XX/2021 and as of XX/XX/2021 I have not received a response. The company had 30 days to respond but failed to and are now required by law to remove this account from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX  XXXX XX/XX/XXXX {$270.00}. Inquiry : US SM BUS ADMIN 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 2021-12-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in 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 2021-04-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX HOW IS THIS ACCOUNT 150 DAYS LATE AFTER CHARGE OFF? Upon viewing my credit reports I noticed account TARGET/TD had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. Date open on XXXX report says XX/XX/XXXX but on Experian it says XX/XX/XXXX. Also, on the date of last activity it also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Additionally, the HIGH BALANCE says {$810.00} on XXXX but on Experian say {$0.00}, which balance is it {$0.00} or {$810.00}? Lastly, Experian pay history does not meet FCRA regulations. How is it possible to be 150 days late after an account has already been charged off? Look at Experian pay history of XX/XX/XXXX!!!! Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately. 


the statement above was a list of factual reason why the account in question should have been removed but Experian replied with the account being verified. I feel they didn't do a real investigation and is in violation of FCRA regulations.

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 2023-07-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As I wrote in the complaint XXXX, I was told the money would be refunded by TODAY XX/XX/ Friday, it's not been in my bank account. 
It's totally a lie and can be recognized as a fraud made by the bank. 
Give me the money back immediately. That's what I really need for my everyday life!!

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 2021-12-30
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Through a sophisticated and complex scam on XXXX XXXX, where the perpetrator was able to garner all of our private information ; Citibank transferred {$2000.00} from our savings at Citibank to an account the crook set up at XXXX. The scammer was able to breach Citibank 's own site with a number to call the fraud dept. It's a long story ; but the long and short of it was : We froze our acct. as soon as we realized what was happening. We filed a dispute on the {$2000.00} withdrawal. We were told to open a new account and have the rest of our savings transferred into it from the existing compromised account. The Citibank fraud dept. replaced the {$2000.00} as well ( that was good ) ; but now we, after 20 hours + on the phone with customer rep after customer rep who could not get us access to our own account have given up on the phone contact. We did not realize that Citibank only has a brick and mortar location in 12 states. We are in WA state. The nearest Citibank location is about 1,000 miles away in CA or NV. We deal with 2 other ( local ) banks and had no problem changing those accounts and accessing the new accounts with our new usernames and passwords. After giving up on the phone contact ( which seems to be routed to a foreign county with reps we can not understand, and don't know-or care-about what to do ) we have taken to sending certified letters asking as to how we might access our own account. This has been going on for over 5 weeks. The FTC and XXXX XXXX Sheriffs Fraud dept. have been notified.

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 2015-09-30
Company: URS Holding, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. 

I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. 

Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XX/XX/XXXX {$51.00}, XXXX XXXX XXXX XX/XX/XXXX {$380.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00}. Inquiry : 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 2015-04-03
Company: Genesis Lending
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I understand now that i was XXXX charged for a loan through XXXX.The loans are now under investigation and all of the schools are closing i was persuede to get XXXX loans as i continued school there i was not informed this when I XXXX signed up i was called several time just to enroll in that school and offered opportunities and still can further my career and ally credits will be accepted at any college well all that was false

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have consistently disputed my account status with XXXX AND EQUIFAX AND XXXX, but my issue still have n't been revolved. It is showing that I have missed XXXX MISSED payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX pm central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.

Company response to consumer: Closed with explanation