BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.

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 2016-05-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
I had Citi for approx. 5 years when in 2013 they cancelled my personal and business card for no reason. I applied for XXXX of their cards this week and was denied. I always paid the Citi cards every month and on time. I have excellent credit score. I also have NEVER been late in any bills in my entire life. I would like for someone to help me resolve this. I really would like to know why would Citi Card not want to give me credit.

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 2020-11-15
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Afni INC is reporting on my XXXX credit report as a collection account. I sent a debt validation letter to this company on XX/XX/2020 and have not received any response to my request to show me documentation that validates the debt. 

They received the certified mail request on XXXX/XXXX at XXXX. It has now been 46 days and no response has been received. 
They are defaming my character and hindering me from certain things because they are falsely accusing me of owing a debt I DO NOT owe them Their mailing address listed on my report is AFNI INC XXXX XXXX XXXXXXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Good morning CFPS I was going over my credit report and notice alot of errors In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Names : # List errors Accts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Also fraudulent inquiries All listed Accounts/Companies have 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 : lt also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate

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 2015-09-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My problem is that credit reporting is used by companies to gouge consumers when they first request a service. In my case a service provider that has a monopoly in my city. I have been do business with this company for over ten years when I first went through them I had a co-signer so this was not an issue. But even though I have been a loyal customer with an account in the black through this entire period. A representative of this company called me and informed that because I have no credit history as reported by one of these credit checking services ; meaning I have never taken out a line of credit nor do I have a mortgage type payment exc .... I also do n't have bad credit meaning I have never filed for bankruptcy or let any of those credit lines I never had go in to the red to many times. This representative used the words " we do n't count the history you have had with our business, because we use credit checks ''. So you see my issue is not how the report was used, even though I feel that only industries that report on your credit history should be able to utilize it. My issue is that by this process being a thing it is destroying the customer to service provider relationship. How am I supposed to build loyalty with the companies I do business with if they want to charge me XXXX % of my monthly income just because I do n't have a credit card? 
Disregard any bubbles that I selected in the first portion. you do n't get to choose what issues people have with the service you provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an XXXX XXXX  card. I did a XXXX dollar balance transfer on the card. I have also used the card for purchases. Each month, I have paid the card down below XXXX taking care of the charges made as well as a little extra. I should not have been charged any interest on XXXX due to that balance transfer and by paying my purchases in full by the due date. Bank of America just informed me that when you have a promotion on the account, you lose your grace period on the purchases. You do not have till the due date to pay those purchases off. They start accruing the day they are made. This is deceptive and though they say its disclosed, it is not understandable to a reasonable customer. There should be buckets. The balance transfer sit and gets paid ast as the highest interest item should be paid. Then purchases, if a balance is left after the due date, should be charged. Not if its paid by the due date. They would not refund my interest charged. Id like someone to look into this so that they can be sanctioned by this deceitful practice.

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 2015-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent Equifax XXXX separate letters regarding a collection account that is on my credit report. The collection agency has sent me a letter stating that the balance is {$0.00}. Equifax has a responsibility to the consumer to maintain accuracy and they have failed to do so. I 'm simply asking Equifax to remove this collection for it 's inaccuracies. Pursuant to the FCRA if there are any inaccurate holes with a collection agency 's reporting then the account has to be deleted. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen and used to add XXXX extra cell phone lines to my XXXX wireless account. After filing fraud with XXXX and getting affidavits of fraud for each individual line added to my account and police report and countless conversations with XXXX, the extra cell phone lines were erased off of my cell phone account. So because the lines were canceled, the company XXXX XXXX has been coming after me saying I canceled the insurance for those fraudulent lines and that I owe money to them. I did not comply because I never signed a contract with them during the fraud and it was forwarded to the company Aldous and Associates who have been threatening to send this into collections and that I owe {$800.00}. Please help me put an end to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I was able to verify incorrect information on my credit report, since that moment I just started the process to get in touch with the credit Bureaus in an attempt to get this issue corrected. The sad true its that I never got an answer. I sent lettters for at least 4 times and never got an update or any kind of corresponde. 

At this point and very much frustrated to keep trying to receive an answer from the Credit Bureaus.

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 2015-04-01
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was purchased by Navient. Navient shows non payment but we have canceled checks dating back years. We 've sent the copies of the checks and they still keep calling. It 's as if they are not communicating that we 've resolved this issue with 5 different customer service representatives. They call up to eight times a day every day. The numbers they call from are : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
Recently I was wrongfully denied credit for a mortgage. To my surprise, the mortgage company said that I had a poor credit rating. When I investigated this issue, I discovered that Citi Cards is not reporting my CitiBusiness credit card account to the credit reporting agencies. The account 's high credit limit does not contribute to my credit utilization score as it should. I have a few other cards whose combined credit limits are much less than this account. On these cards I had taken advantage of 0 % interest offers, so over XXXX % of their combined available credit are in use. 

Citi Cards ' failure to report this card to the credit bureaus has seriously damaged my credit profile. This interaction with my mortgage company was highly embarrassing and negatively impacted my lifestyle. Citi Cards ' failure to accurately report my credit information to the credit bureaus has damaged my reputation and my good credit standing. 

I have pursued this issue with XXXX, XXXX, and XXXX. They say there is nothing they can do to get a company to report to them regarding an account if the the company does n't want to. 

I have discussed this issue many times with Citi Cards, and they refuse to report this account to the credit bureaus. I have been told that the reason this card is n't automatically reported to the bureaus is that they consider it to be a business card. However, the legal entity which holds this account is not a business, but is my wife and I, personally. The card is in the name of my wife and me, and the tax ID associated with the account in Citi Cards ' own records is my own personal Social Security number, not the federal tax ID of any business. Because I hold this account personally, and not through any business entity, I believe that Citi Cards is obligated under law to report this account to the credit bureaus that report my personal credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unauthorized multiple credit inquiry placed on credit report. 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 explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts 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 {$970.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2015-11-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is duplicate reporting on my credit report for a home equity loan from XXXX XXXX and XXXX XXXX XXXX. The original loan was with XXXX XXXX who was bought out by XXXX XXXX. So the information is repeated twice which effects my credit score. The loan was eventually paid off in full ( {$180000.00} ) five months late. There is no balance. XXXX has XXXX XXXX reported correctly. However, XXXX Bank is incorrect and should be removed. Experian is also duplicated. XXXX should be removed and corrected. XXXX XXXX should show a XXXX balance and reflect paid in full. 
XXXX also reported XXXX XXXX and XXXX XXXX but the information is correct, XXXX should be removed. I hope that was not to confusing. Please see attached. I have additional paperwork if required.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Experian XXXX that they could not provide my credit report due to technical difficulties. For my wife, I received a similar message from Experian. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' websites also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them.

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 2022-11-22
Company: Winklevoss Exchange LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I had a crypto currency account with over XXXX XXXX dollars in from Gemini which is associated with XXXX XXXX I filed a complaint with the bank an the company the i earns just disappeared I have copies of the account in various sceenshots to support this statement I deserve that money i earned that money an for it to just be gone its a scam or something

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EXPERIAN WANTED TO RESPONSE TO YOUR INVESTIGATION THAT YOU CLAIMED TO HAVE FOUND. # 1 YOUR investigation were and is incomplete because I never Got any of the original sign documents from you in which the FCRA 609 STATES CAN YOU PLEASE SEND ME THOSE THE LAW STATES THAT YOU SHOULD HAVE THOSE ON FILE WHEN THE CONSUMER REQUEST THEM. SO HOW DID YOU COMPLETELY VERIFY THE ACCOUNTS # 2 THE LAW SAY NOTHING ABOUT ASKING THE ORGINAL CREDIT FOR THE FRCA 609 ACT PLEASE EXPLAIN? THE LAW STATES IF THE REPORTING AGENCY CAN NOT VERIFY THE ITEM HAS TO BE REMOVE SO MY MAIN QUESTION TO YOU IS DO YOU HAVE THAT OR NOT?

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 2016-07-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX XXXX '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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