BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
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:
This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.

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 2021-03-18
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 took a look at my Equifax credit report and I seen that XXXX  XXXX XXXX  AND XXXX XXXX XXXX was on there. I have never dealt with them nor signed paperwork with them. They believe that this is mine, I've also requsted them to show me that I signed ( signature ) a contract with them. I submitted a report with the FTC. I do not know who this company is and never signed any paperwork with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 multiple letters request validation and I never got any information validating this alleged 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 2020-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for the forebearance offered during covid but changed my mind and. An XXXX it 2 days later as I heard it went against your credit. 
I am on auto pay monthly. 
I asked to be put back on auto pay. 
Instead I was not and I keep getting double payments. I be called 4 times to fix this and its not fixed. Supervisor does not call back. 
On top of it they have put a not on my stellar credit report which they need to take off as Im now refinancing. 
BofA have been totally incompetent And I can not get this fixed.

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 2021-03-18
Company: BANCO POPULAR DE PUERTO RICO
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I finance a car back on XXXX with banco popular of  Puerto Rico the account was charge off on XXXX but the balance was paid on XXXX and then they give me the title off the vehicle and right now they are re aging the account to keep it on my XXXX  credit bureau and know said that the charge off was XX/XX/XXXX this negative account have already 14 years on my credit because they are re aging it and I have the pay off letter that shows that I paid this car on XXXX I already call them couple of time and make claims to XXXX and nobody help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: U.S. BANCORP
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my credit report, I noticed that USBK employees had initiated an unauthorized and fraudulent inquiry into my XXXX credit report XXXX/XXXX/2015. I did not at any time authorize or consent to USBK to review my report for any purpose. This egregious act is in clear violation of my Privacy Rights and FCRA 1681 b ( c ). 
I am requesting for any verifiable evidence to support any consent I may have given to USBK employees for this gross negligent act to be provided me within 5 days for my verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A fraudulent charge appeared on my account. I have contacted the bank numerous times to have the issue fixed. However, even though I have answered any and all questions and submitted any and all requested documents they refuse to follow the applicable laws of credit card fraud and refuse to even begin a claim, even though I have called repeatedly and spoken with them about the issue numerous times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I bought a small amount of XXXX cryptocurrency on the Coinbase app. The purchase was complete. Several days later, they went into my account and significantly reduced the amount of XXXX coins that I had bought. Now it is worth much less than the initial amount of money that I had paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: FL
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 the following accounts have violated my rights. 

XXXX Bank Delaware : XXXX # : XXXX XXXX Bank XXXX XXXX # : XXXX XXXX XXXX : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX # XXXX 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 2018-12-01
Company: Aldridge PIte Haan, LLP
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2017, agreed to terms with Aldrige Pite Haan regarding my medical debt. Provided payment information and agreed to payment terms for {$830.00}. After the last payment, I called to confirm that everything was paid, they told me that I was in good standings. 8 months later they file an Affidavit of Noncompliance for the Money Judgement. No communication from them from the last payment to 8 months later. No phone calls, no letters that a payment did not go through, 3 months after the judgement, I receive a letter from them with the affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
The Bank does not have a note and is foreclosing without paperworks. 
I asked the bank to give me the paperwork ... they refused ( in their letter ) ... because they do n't have 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 explanation
Consumer complaint received 2016-07-22
Company: Lending Club Corp
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The company Lending Club of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, USA, Has violated Regulation " Z '' and additionally failed in Crediting Payments as of the Date of Receipt Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. They have also failed to validate the debt by the standards established by Federal Law and the FTC within the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like to report Southwest Credit, which is attempting to collect a debt on behalf of XXXX. I had automatic bill payment with XXXX. I cancelled my XXXX service when I moved, and promptly sent back the equipment. Somehow, XXXX is claiming I have an outstanding debt and is trying to use Southwest Credit to get that back from me. Alternatively, Southwest Credit is purely a scam trying to get my credit card information. 

Please instruct XXXX and/or Southwest Credit to leave me alone, as I do not owe them a dime. I am paid in full with XXXX and will mercifully never need to use their services again. Please also let me know if I need to report XXXX 's practices to the FCC, as I know I am not the first person to have an issue with XXXX 's terrible approach to customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I wired transfer {$1100.00} then {$3400.00} then I'm not getting it back.from my bank nor the scammer

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 2021-03-18
Company: Santander Consumer USA Holdings Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: CBC Companies, Inc.
State: WI
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:
I'm writing this because I'm concerned that I am a repeated victim of identity theft as evidenced by my recent enrollment in XXXX XXXX works compliment of XXXX XXXX bank XXXX. XXXX XXXX bank XXXX also offered me a claim check acknowledging they were sorry to hear i was a victim of fraud and identity theft with them. all of them with a fraudulent hard inquiry and account on my credit report which has since been removed. I've also in the past been a victim to hard inquires by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 FOR XXXX XXXX ), XXXX XXXX  XXXX XXXX XXXX, XXXX bank XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, mt past emails from XXXX  and XXXX have been hacked and stolen and shared and sold on the dark web though ii can't stop that i need to protect me self and shut those emails down and i don't know how to reach out to google

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Capital One Bank, USA refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Experian Information Solutions Inc.
State: SD
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 # 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 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XX/XX/XXXX amount, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Collection opened XX/XX/XXXX States Account is closed and paid in full yet, still reporting on my credit report which is also a violation of my consumer rights. 


As-well as the removal of these inquiry of my credit report. as these have violated my rights of 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX  NA Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions

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 2023-03-22
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out about the debt through a credit report. I called and mailed a letter to the company in XXXX of 2023 but haven't gotten a response.

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 2021-03-18
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a Home Depot Credit Card through Citibank. 

I have received more than a dozen dunning telephone calls from Citibank in the past seven days with two today XXXX XXXX. 

This is harassment and must stop. 

I am up to date in all payments. 

Citibank is claiming I owe XXXX XXXX more than {$1300.00} which is not true. 

I want an accounting of each and every charge with XXXX XXXX from the beginning to now!

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 2021-03-18
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX  -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2021-03-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IN XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY NONE XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CO XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: HSBC NORTH AMERICA 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: Information belongs to someone else

Complaint:
I am a US citizen who moved the XXXX to attend university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: IA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation