BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: GOLDEN 1 CREDIT UNION, THE
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had an account with Golden 1 Credit Union for almost 30 years and was able to continue with the account when I relocated to my home state of Alabama. I have an ATM ( only ) card which is tied into my savings account. I do not have a debit card due to the fact that privilege was taken away back in XXXX when I had an issue with my checking account. I always receive a new ATM card via mail upon expiration of the old one. I had not used my ATM card since XX/XX/XXXX due to to the pandemic and attempted to use it on XX/XX/XXXX when I discovered I could not remember my pin number. I called Golden 1 Credit Union in an attempt to recover my pin number, but discovered that the ATM card had expired XX/XX/XXXX, so I needed a new ATM card and could not remember if I had received a renewed one.Instead of the telephone teller stating that a new ATM card will be mailed out immediately, she copped an attitude and stated that I needed to apply for another one. I immediately quipped that was not the proper procedure for an ATM card, perhaps a debit card which I do not have. She demanded I apply for a new card which was very odd because I had never encountered this problem with my ATM card ever!! It arrives in the mail like clockwork when the old one has expired. She refused my request for a supervisor and demanded information for an application. I complied because I know I have a XXXX credit score and excellent credit and she stated it would be a soft pull. She immediately comes back to the phone and states " you're not qualified. '' Not qualified for what I replied. I then remembered that there is a freeze on my credit report and wandered how she pulled the credit. I received the denial letter today, XX/XX/XXXX, and refers to XXXX XXXX which I am assuming goes back to XXXX when I had a problem. I have never done a credit pull in the past for the renewal of my ATM card. I hung up the call and called back and demanded a supervisor. The supervisor investigated the situation and was perplexed and stated " there is absolutely no reason why you should be denied an ATM card '' and that she would send one out immediately. The bogus denial letter is attached.

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 2023-06-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a NFCU member and have checking and savings accounts with them. Due to the fact that I live far from a NFCU branch, I've opened a checking account with XXXX  XXXX XXXX to make atm deposits and then transfer funds to NFCU with my debit card, which funds becomes available immediately, since they are processed a cash advance. 
Today I deposited {$200.00} at XXXX  XXXX XXXX and then called NFCU 's automated system to make my transfer as usual. 
When I was finished entering my XXXX XXXX XXXX debit card information and transfer amount for {$200.00}, I got a voice response from NFCU advising me that there was an error on my transfer and transfer was not completed. 
When I checked my XXXX  XXXX XXXX account, my balance was {$0.00} and it showed a {$200.00} transfer to NFCU account. 
I immediately contacted NFCU to see where my funds were and why my funds was not posted to my account, since transfer was made with a debit card and becomes available immediately, and the representative said it was because it was the end of the day. I told her that those types of transfers becomes available immediately, so I was transferred to a supervisor named XXXX who told me that NFCU had rejected my transfer, but she could not give me more information, saying that there was an address mismatch. 
I then contacted XXXX  XXXX XXXX and the representative put me on hold, then the call got disconnected and then it came an automated voice system saying that the bank was already closed. 
My {$200.00} funds are not on my XXXX XXXXXXXX XXXX or NFCU account and nowhere to be found and both XXXX  XXXX XXXX and NFCU are not taking responsibility on this situation, yet, my money is being held on one of the two banks and I have no further information about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: ACS Education Services
State: IL
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 recently used XXXX law to dipute my student loan that went to collections sometime around XXXX. The company was originally ACS student funding group they sold their operations to CES education services. The problem is XXXX credit report had CES for my loan collection so when XXXX law disputed it as it has been closed since XXXX they removed it from my report no problem. XXXX has the same collection but it is under the parent company ACS who is no longer reachable as they have closed and sold their business so my dispute and collection is still on my XXXX report. I have tried contacting both loan companies and can't find information on either as they both have XXXX down their operations and sold their companies due to lawsuits. I need the dipute finalized and the negative account removed from my credit as it has been over 7 years since it was closed nit to mention they in fact removed it from XXXX XXXX so they should rightfully remove it from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
I disputed a " 60-day late payment '' XXXX reported to XXXX and Transunion. I leased my XXXX XXXX in XXXX. When my lease was up in XX/XX/XXXX, I got a loan through XXXX XXXX XXXX to buy out my lease. The loan officer, XXXX XXXX called XXXX XXXX on XX/XX/XXXX, and the agent gave her the payoff. A full amount payoff check was mailed from XXXX XXXX XXXX before my lease ended on XX/XX/XXXX. Now, approx 15 months later, XXXX is has reported a 60-day late payment on my credit reports. I first called XXXX and they said to simply file a dispute with XXXX and Transunion. I filed a dispute with both companies by giving my account of the lease. XXXX and Transunion sent the information to XXXX and XXXX denied the dispute. Next, I contacted XXXX XXXX at XXXX XXXX XXXX and she wrote a statement verifying the details of the payoff. I disputed the inaccurate, 60-day late payment reporting from XXXX and attached the letter from my loan officer, who is now the branch manager, XXXX XXXX XXXX She clearly remembers the situation. She sent the tax and title fees directly to the State of Idaho. XXXX was claiming the tax and title fees were supposed to be sent to them. XXXX from XXXX XXXX XXXX called XXXX XXXX XXXX and informed them that in the state of Idaho ( a non-title holding state, ) the financial institution sends the money for the tax and title fee directly to the state and the State of Idaho mails the title to the lienholder. They finally sent the title to XXXX XXXX XXXX several months later. I have the supporting document from XXXX XXXX XXXX or you may reach XXXX XXXX at XXXX. I have worked very hard to have an excellent XXXX XXXX and XXXXXXXX XXXX 60-day late reporting dropped my credit score by XXXX  points on XXXX XXXX, XXXX. This is the only negative item on 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a lady, named XXXX, who introduced me to use this app ( originally, it was an XXXX  app called XXXX, then they changed the name as XXXX, now the XXXX  app is complete not working ) through XXXX. 
Later, they also gave me a website to trade cryptocurrency, https : XXXX  and later it was changed to XXXX XXXX XXXX. 

At XXXX, I was a little cautious, I only transferred a few thousand dollars, and I tried to transfer back and forth a few times, did not see any hiccups. Then I started to wire transfer from my bank ( Capital one bank ) to them, on XX/XX/XXXX, I wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX XXXXXXXX ; on XX/XX/XXXX, wired XXXX  XXXX ; XX/XX/XXXX, wired XXXX XXXXXXXX, XX/XX/XXXX, wired XXXX XXXXXXXX. A total of XXXX XXXXXXXX were wired to them. 

Later in XXXX, I was trying to withdraw some money, but my withdrawal request was declined. I asked them the reason, but they did not provide a reasonable answer. I tried multiple withdrawal attempts, but I was never been able to withdraw any amount of cash. So I immediately led a fraud report through FBI website and reported the transactions to my bank ( XX/XX/XXXX ) just trying to recover some of my money. 

So far, it has been more than 4 months, I did not hear anything from any law enforcement nor did I hear back from my bank, although I have been trying to contact my bank 's fraud department about the progress, so far NO progress either. 

Just two days ago, the company 's website no longer exists, so did their XXXX  app. All of my hard-earned savings are gone, I even borrowed some money and carried a loan. It has been so frustrating for the last couple of months, I just want to see if there is any way I can recover some money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX acct # 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. 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 has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX single family home with one deed and two parcels. sold vacant parcel to private entity through Ditech 's " partial release of lien '' department. Sale closed. 


XX/XX/XXXX ditech escrow dept pays tax payment for vacant parcel XX/XX/XXXX Ditech pays additional {$330.00} on vacant parcel, ( one year in arrear ) XX/XX/XXXX Ditech pays XXXX County {$4600.00} for neighbor 's ( no longer vacant lot ) house and property. Mortgagee advises lender of error in XX/XX/XXXX. 

XX/XX/XXXX Mortgagee receives XX/XX/XXXX escrow analysis with repeated error, showing ditech intends to make two payments to county for each parcel, and advises lender escrow analysis is wrong. She is told they are re-running the analysis.

XX/XX/XXXX Mortgagee receives bill for roughly {$6000.00} for escrow shortage and calls lender. Asks for supervisor. tells the details of which parcel is owned jointly by ditech mortgagee and which parcel was sold. Is told they will investigate. 
XX/XX/XXXX Mortgagee receives check for {$4.00} from ditech with no explanation. Mortgagee is told escrow is correct and she owes {$9200.00} ( escrow for one year is roughly {$4500.00} : current tax bill is {$1700.00} for half the year and {$810.00} of hazard insurance ) The explanation is {$480.00} is scheduled to change.. 
{$1900.00} 12 months = {$770.00} Monthly Escrow. 

XX/XX/XXXX mortgagee calls lender to advise of resolution or legal action after she recieves foreclosure " pre '' letter. She is told by advisor that the county has told Ditech that the refunded to money to the homeowner, but I received no check. 

XX/XX/XXXX mortgagee calls County to find out to whom check was issued. County insists no refund has been given nor has been requested. Mortgagee calls Ditech to give them direct line to county assessors,  name of employee and email address to expedite refund request. Mortgagee asks for phone number and address of legal dept for corporate office. Is given a fax number. when she calls back to get correct phone, is told they dont have a phone number. 
XX/XX/XXXX mortgagee requests cancellation of escrow account, by email, and receives two emails from escrow agent XXXX XXXX that he needs the correct loan number. He is given two emails with a pasted loan account from ditech 's website. 
XX/XX/XXXX Mortgagee calls lender to request to speak to escrow. is told they dont have a phone number. Is told by supervisor Luwanee that ditech has requested a refund for the last two payments made on the parcel that was sold. I believe that they have made another error, because the tax bill is paid for one year in arrear, and they owed a payment through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit 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:
Citi bank Best Buy credit card. They sent me a letter we could not find any morgage. I did not say morgage. 


Requesting the following : Send me a bill with a human signature on it. I also need to see the two party contract supporting that bill. I need to see a lawful two party contract supporting that bill.I signed your last bill accepted for value which means I give you permission to bill my XXXX account cestique act trust of 1666. 

Banks can not loan money per book of the federal reserve called money modern mechanics of the XXXX federal reserve. They take my signature and exchange them for credits. Book keeping entries. The bank is not allowed to loan other clients money. The bank never told me that they never had funds to lend me. I can charge the bank with securities fraud. You take all these promises to pay and sell them on XXXX XXXX as securities. This is very funny. If I do this I would be jailed. I am requesting for your bar card attorney for XXXX XXXXXXXX XXXX  to take them to the federal court house in XXXX XXXX XXXX to get sued for fraud. I am not a XXXX XXXX who has no rights at all XXXX laws dictionary definition uncompendent XXXX. I am a American state national. This is your last chance before I expose your crimes to the entire world. Also XXXX XXXX coming and global reset.

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 2023-07-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I filled a complaint less than 60 days ago and Experian is still violating my rights... saying im in debt for {$19000.00} for chidl support and saying i owe {$320.00} for XXXX, i complained about these illegal inquires before, i have the right to privacy, Here are my rights below their violating... 

15 u.s.c 1681 section 602 XXXX XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXXXXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 



15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: MT
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 let a thief open an account using identity theft. My identity was stolen. XXXX and Equifax are REFUSING to remove fraudulent information. I am updating my complaint. I am proving BOTH an FTC Identity Theft Report AND a XXXX Police Report. Please CFPB MAKE THEM STOP HELPING IDENTITY THIEVES AND FOLLOW FEDERAL LAW. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions 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 recently reviewed my credit report and noticed accounts reporting that did not apply for. I believe that someone has used my personal information to open these accounts. I have not used my credit and after reviewing my report, I have seen accounts that are reporting under my name which I never authorized myself. 

The following accounts are not mine and should be removed : XXXX XXXX XX/XX/XXXX. XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00}

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 explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I dont owe this debt to XXXX XXXX XXXX I do not have a contract with progressive 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. In accordance with the Fair Credit Reporting act. Ive been violated. My federally protected consumer rights to privacy an confidentiality.

15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX  # XXXX us dept. of EDXXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief