BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
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:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-19
Company: Retail Merchants Associates
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:
I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. 
Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. 
Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I spoke with XXXX XXXX of Citizen 's Bank yesterday about unresolved complaints I have submitted concerning the escrow account. In speaking with her, she disclosed that a representative with Citizen 's contacted the XXXX XXXX XXXX tax department and was informed that there is a balance of {$630.00} in unpaid property tax for the property from XXXX. XXXX XXXX told me that the XXXX XXXX XXXX tax department told the Citizen 's representative that the tax bill was sent to me directly. I told XXXX XXXX that I never received any bill from the City. I requested that XXXX XXXX provide me with all bills that Citizen 's was given by the XXXX. She told me that she could not do that because this information could not be extracted from their system. 

After speaking with XXXX XXXX, I contacted the XXXX XXXX XXXXXXXX tax department by phone and by email. I spoke to an employee with the department who told me that the {$630.00} tax bill was not sent to me. It was sent to a Citizen 's Bank in Texas and then re-routed to a Citizen 's Bank in XXXX XXXX because the bank in Texas informed the taxing authority that is where the tax bills needed to be sent. The bill has never been paid by Citizens via my escrow. When I closed on the property on XX/XX/XXXX, I deposited {$1000.00} into escrow at closing and I paid {$340.00} per month into escrow thereafter during XXXX. I was refunded {$520.00} at the end of the year of XXXX. I have no idea how the refund was calculated. I have requested of XXXX XXXX to provide an accounting of this. I have also requested verification of taxes paid in XXXX as reflected on form 1098 issued to me by the bank. This form reflects that I paid {$7900.00} in real estate taxes but the escrow account does not reflect this. 
In short, this is a hot mess due to Citizen 's Bank ineptitude and indifference they have exhibited towards me since day one of my contact with the loan officer who was absolutely awful in processing this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Paying to much on this account.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a checking account and they are holding me accountable for overdraft fees and fees of pulling money out that I never pulled out also the fact that my account had a deposit for money in it and they blamed me for it and I wasnt even around the state and someone was signing into my account so now they say I owe them money and closed my account out and won't let me open another one..

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 2022-03-22
Company: TRANSUNION INTERMEDIATE 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-10-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MS
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:
Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/12 i completed application for recalculating my plan to XXXX which should cut my payment from XXXX something to XXXX. On XX/XX/12 it said it was received and processed. The website says it takes 15 business days to update. It has now been 34 with no changes, no notification, no end in sight. When you callt hey say it's a 15 minute wait and they will call you back, i wait almost an hour with no call back. I have to work, I can't wait on hold for several hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-22
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bridgecrest didn't respond in a timely manner nor did they send the debt validation that I requested via mail on XX/XX/2022. The first time they reached out to me was when they received the complaint from the Consumer Finance Bureau and told me that they responded to the letter to validate the debt and that I would receive an email of the information I requested within seven days. Bridgecrest also tried to obtain information that they already stated that they had validated. I sent a validation letter prior to them sending an email with a settlement request with the wrong name on 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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I am in the process of closing on an XXXX loan for my XXXX XXXX to payoff a XXXX XXXX XXXX XXXX loan. In the process of closing, the XXXX company discovered a XXXX XXXX lien placed by Fifth Third bank, my XXXX XXXX lender, on behalf of XXXX for XXXX. On XX/XX/XXXX, Payoff requested by XXXX company to XXXX. Notified XXXX company on XX/XX/XXXX that XXXX had no record of the account or lien. XX/XX/XXXX, I was notified by the XXXX XXXX company that they could not complete the loan until XXXX lien was paid off and they would need the payoff information to continue. Reached out to Fifth Third for this information and was transferred around to XXXX individuals, but no one was able to find this information. I submitted a complaint to the XXXX XXXX XXXX immediately after that call. XX/XX/XXXX, Received a call from office of the president at Fifth Third Bank and advised they are working on providing the information. I allowed XXXX days to pass with no update provided and then reached out on XX/XX/XXXX to the XXXX XXXX XXXX. Advised again still working on providing the information. Exchanged XXXX calls between XX/XX/XXXX and XX/XX/XXXX only to be referred back to XXXX even after I indicated they did not have this information and it had to come from Fifth Third Bank. XX/XX/XXXX submitted my own request to XXXX for information. XX/XX/XXXX XXXX on behalf of XXXX reaffirmed they did not have this information and I would need to contact Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
AT YHE TIME I HAD MY ACCOUNT MY WIFE AND STARTED TO NOTICE THAT OUR ACCOUNT WAS IN THE NEGATIVE OF XXXX XXXX OF XXXX AND WE WOULD HA E TO PAY IT WHEN EITHER HER OR I RECEIVED OUT CHECK

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 2023-04-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

You are reporting the XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$8500.00} ) account incorrectly. I disagree with the Balance of {$8500.00}, as I remember the amount to be lower. I ask you to delete the information regarding the Past Due amount, which shouldn't be reported because this account is closed and charged-off. Since my credit score depends on the changes applied on my accounts, I ask you to mark this account as disputed, so that it would not influence my credit score. 
The information presented for the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is also inaccurate. I remember that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You report a higher Balance of {$2500.00} than the amount I suppose I owe. As your agency presented this account as closed and charged-off, the Past Due amount is not supposed to be provided for this account. In light of this, I require that your bureau verifies the XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ) account, since I am unsure of the accuracy of the Balance reported for this account. Until I clarify this matter with the creditor, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Moreover, I request you verify the Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received 6 calls from ( XXXX ) XXXX and ( XXXX ) XXXX and both are for Credit Resource Management. The debt collector has called 6+ times since XX/XX/XXXX - XX/XX/XXXX, and it is for a debt I do not owe on. The amount is {$1400.00} for a corporate XXXX owned by XXXX XXXX XXXX who was a previous employer. Also, they have submitted the collections to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Citizens Bank grossly miscalculated my required escrow balance for the past year which caused me to suffer severe financial distress. My mortgage payment increased by XXXX  XXXX because they stated that I had a shortage in my account. I called them to clarify last year and I was told that I had to pay taxes in arrears because my property had just been assessed by the tax assessor. When I looked at my escrow statement for this up coming year, Citizens Bank stated they owed me a {$11000.00} surplus for the overpayment of escrow. They grossly miscalculated the City tax I had to pay and have never provided me with my City real estate tax statement. They estimated that I had a shortage of over {$7000.00} and also would have to pay approximately XXXX  XXXX in City property tax in future years. Their error was because they failed to consider the XXXX tax abatement that I had due. When I applied for the loan, I asked the loan XXXX repeatedly to provide me with a realistic estimate of the property taxes and he constantly gave me the runaround and also said he was unsure if I would qualify for the XXXX. I also have concerns about the income tax implications from Citizen Bank 's error. 

Citizens Bank has caused me severe emotional distress during the loan application process and now from miscalculating the escrow. I had trouble all year keeping up with paying bills and incurred significant credit card debt because of the unnecessary financial burden that this bank placed upon me. They need to be held accountable!

Company response to consumer: Closed with explanation