BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: HW Holding, Inc
State: LA
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 fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a store credit card. My credit was preciously frozen. I informed customer service I would unfreeze my credit and be back. I received a text via phone asking that I unfreeze my XXXX  to process the application. I was given a reference number via text ( XXXX ). I went to Best Buy and the associate was given a valid California ID., and I verified my information. On yearly income, i put XXXX... I can prove my income as XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. The associate called a third party and I was placed on the phone with an employee from citicards which grants or denies credit. I was asked for a valid phone number so he could send a text to my phone.. He then went on to state that he couldnt text to my phone going on that it had to be a US number ... My number is area code XXXX which is XXXX XXXX I had received a text from that company so I knew he was lying to refuse me credit..My credit score is XXXX which is excellent!. I asked what was the problem..He stated that my social security might be stolen and I might be using a fake name... I asked for a manager and she just went along with the employee stating that they could not text my phone some type of code which is a lie because I received a reference number on my phone... It seems that they can not believe a XXXX man can have great credit and make XXXX XXXX a year! ..I was accused of stealing someone elses ID and social security number by the associate. I dont understand why the first Best Buy Associate would call a third party just because I am XXXX!. This is directly insulting and discriminatory! ..I showed the employee my ID!. I have an account with BEST BUY. I am highly upset about this situation!. I tried another way to verify my info. I offered to email them a copy of my ID. They lied and stated that they can not receive emails!. But when I got home, I got an email from them!. There was no reason to deny me credit and accuse me of stealing someones ID and or social security!.

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 2023-09-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act Genesis Credit Management, 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 A collection account status also can not be OPEN. I, as a consumer have rights to 100 % accuracy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX my text money was sent to citi bank account next thing I know they said my account would be going into closure and it would be from 30 to 60 days so after the 30 days I called and nothin happen then after the 60 days I called and they said on XX/XX/XXXX my account was closed and it will take XXXX to 60 days for my check to get here so I waited again may came and they went back to telling me my account is still in the process of being closed and they wont tell me anything else or give me any other information its literally XX/XX/XXXX and I was told at the beginning of the year 30 to 60 days

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 2022-09-23
Company: Self Financial 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: Their investigation did not fix an error on your report

Complaint:
Self Financial violated my rights in accordance to the Fair Credit Reporting Act ( Account # XXXX ). - 15 U.S.C. 1681 section 602 A States that I have a right to privacy - 15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. Information on my report varies between the 3 bureaus. I spoke to their chat support and they agreed to remove the 30 day late payment from my credit report for all 3 bureaus. It's still on my report! I will be attaching the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have had an ongoing issue with all three NCRAs regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Spring Oaks Capital, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, I filed a XXXX XXXX XXXX complaint - case # XXXX against : Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX Va XXXX The amount of the debt I am alleged to owe is in the amount of {$670.00}, however, the proof was provided in my XXXX XXXX XXXX complaint this amount account had been paid to the original creditor and reported to XXXX Credit Bureau as paid on my credit file. In addition, I inform XXXX XXXX XXXX of this and provided the same details as I provided to the XXXX  showing that my account was paid in full with the original creditor but they continue to report and harass me via my email- which I never gave to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: GA
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:
.Ive submitted police reports and ftc reports of this said fraud. This reported information is in violation of my federally protected consumer rights under 15usc 1692g and 15usc 1681b2 and not in compliance with metro 2 standards. This serves as official notice of intent to file suit where my legal staff will seek full compensation for punitive damages per fcra policy you have 30 calender days as of this notice to correct said inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB, I had made a payment via US Mail on each of my loans with Select Portfolio Servicing ( SPS ), loan numbers XXXX and XXXX. 

The checks were received late or lost by SPS and I was incorrectly marked 30 day on my credit report. 

I called SPS and explained to the representative what happened. I provided documentation including copies of the checks and the postmarked envelopes showing the mail date of XX/XX/2022. I was told my request for removal of the 30 day late would be reviewed within 30 days and I have not heard back from them yet regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have requested Transunion to investigate an alleged account that XXXX is reporting. The first letter was XX/XX/2022, Received no response. Followed up with another letter XX/XX/2022 still received no response. 
Its been over 4 months that they have neglected to even start an investigation, yet their notes state consumer disputes account meets FCRA. Ive mailed two letters to validate this account to XXXX, they haven't responded either. Ive included all letters and a copy of my credit report.

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 2022-09-23
Company: CAINE & WEINER COMPANY, 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:
I canceled my insurance policy online early bc my car was no longer in commission. The website was down and so I called to verify it was canceled a few days later. The representative adjusted the cancelation to be prior to the bill due date due to the website issues and assured me I owed no further amount due. Now my credit score has decreased by XXXX POINTS for this unfair practice without ever receiving any collections attempts or so much as a phone call from XXXX. I have worked so hard to restore my credit from the XXXX for this non sense to erase at least a year of hard work and sheer determination to do better!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: BOK FINANCIAL CORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I made an ATM withdrawal of XXXX XXXXXXXX XXXX  and was charged another XXXX XXXX XXXX in fees for a total transaction of XXXX XXXXXXXX XXXX. I approved this transaction and received the XXXX XXXX XXXX in cash from the ATM machine at the XXXX bank in XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. On XX/XX/2022, after returning to my home in XXXX, NM, I discovered that the Bank of Albuquerque had withdrawn XXXX U.S. dollars. The currency conversion was not made and the amount was nearly XXXX times more than I received as the exchange rate is around XXXX XXXX XXXX  to XXXX U.S. XXXX  I contacted Bank of Albuquerque immediately on XX/XX/2022, about the error and was advised to file a fraud dispute, which I did. This dispute was denied supposedly because I had used my PIN to approve the transaction. However, I had told the XXXX representative from the very beginning that I had completed an ATM transaction using my debit card and PIN. This was never a question of whether my PIN was used. I never said I didn't use my PIN, only that the currency conversion hadn't been done and that my transaction was in XXXXXXXX XXXX not U.S. dollars. I contacted XXXX XXXX at the XXXX XXXX XXXX Bank of Albuquerque location and he said he would escalate the issue. I waited three weeks and there was still no resolution, even after he escalated to his supervisor who never followed up with me, not once. I contacted the Bank of Albuquerque XXXX and after multiple calls and discussions, I was advised that there was no dispute process for this unique issue of failure to perform a currency conversion in an international ATM transaction. Manager XXXX with XXXX told me that my only other option was to file a short dispense dispute in order to get more information from the XXXX bank that owns the ATM. So I approved this second dispute. On XX/XX/2022, I called XXXX to get an update on the second dispute process and was told that this second dispute had also been denied. I was provided a copy of a document from XXXX in XXXX showing that the transaction was as I had said, XXXX XXXX XXXX, plus XXXX XXXXXXXX XXXX  in fees. However, because the XXXX banking system uses the dollar sign to indicate XXXXXXXX XXXX, and USD to indicate U.S. dollars, the Bank of Albuquerque staff said that I had received dollars and not XXXX  and told me there was nothing that they could do to rectify the situation. I explained this repeatedly to them that XXXX uses the dollar sign to indicate XXXX XXXX, not U.S. dollars, but this information was ignored and I was told there was " nothing else they could do. '' I have been offered 50 % of the money that was withdrawn in error by Bank of Albuquerque, but I have declined because it is still a significantly large amount of money compared to the original transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in response to the current evaluation conducted by the Credit Bureau. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account 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. 


XXXX XXXX $ XXXX XXXX XXXX {$750.00}. XX/XX/XXXX XXXX XXXX. {$1400.00}. XX/XX/XXXX XXXX  XXXX XXXX. {$1800.00}. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This issue was in response to a charge dispute opened on XX/XX/23 with XXXX {$140.00}. I was initially charged twice for the transaction. I provided the required evidence to Citi but I was told the information was insufficient to resolve the case in my favor. So the dispute was closed in favor of XXXX on XX/XX/23. However, citi bank did not reach out to me to ask for additional information to support my case before making a decision. 

I reached out to re-open my dispute and I was told to send an email to XXXX with my case XXXX and with additional paperwork. I did that on XX/XX/23. I did NOT receive a response so I reached out to Citi multiple times to which I get the same response i.e " WAIT 5-7 BUSINESS DAYS AND SOMEONE WILL BE IN TOUCH ''. Today is XX/XX/23 and again I was told to wait 5-7 Business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for an auto loan through 4 banks and was told by the last bank that I had an excessive number of inquiries on my report. I look at my credit report and noticed I had 26 companies that pulled my report without my approval. I then contacted the credit bureaus and disputed them. Within 24 hours I received a message saying my disputes were resolved. There is NO way they contacted the companies and verified those accounts. I did the dispute around XXXX on XX/XX/2023 and received an email at XXXX on XX/XX/2023 saying it was resolved and that they will remain on my report for 2 years. 
Because I am a realtor, I understand how too many inquires can affect your credit score. I am asking that you investigate this and have all the ones I did NOT authorize removed ASAP. If you have any questions, I can be reached at XXXX or by email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation