BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
am writing to dispute the reporting on my credit file regarding a closed charged-off account associated with Loan Account It has come to my attention that there are inaccuracies in the information being reported, which is in direct violation of established credit reporting regulations.

The discrepancies are as follows : 1. Reporting a Closed Charged-Off Account as Past Due : The account is inaccurately listed as past due, even though it has been closed and charged off. This misrepresentation is negatively impacting my credit profile and is not reflective of the accounts current status.

2. Discrepancies in Balances : The written-off amount is documented as {$3900.00}, whereas the reported past due amount stands at {$7800.00}. This inconsistency raises concerns about the accuracy of the information provided and is in violation of credit reporting standards.

These discrepancies are affecting my creditworthiness and financial standing. I kindly request that you promptly investigate and rectify these inaccuracies to bring the reporting in line with the actual status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. Failure to address and correct these discrepancies within the required timeframe may compel me to take legal action to protect my rights.

I appreciate your prompt attention to this matter and request that you provide written confirmation of the resolution and the updated information submitted to the credit bureaus. 

Thank you for your cooperation in resolving this matter promptly.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX Auto Account # XXXX and XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2020-11-05
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original mortgage for my co-op apartment was with Citibank. This Summer I wanted to take advantage of lower interest rates to refinance. I decided to keep the mortgage at Citi instead of pulling it altogether and go with another bank. What an incredible mistake it has turned out to be. 

The first loan officer that was assigned to me kept making mistakes, giving me 24 hour deadlines to submit new documents while I was working double shifts at the hospital, not uploading required documents I already filled out/sent to him, and generally refusing to answer any question I had. 

After I complained I was assigned a new advisor and was assured that the process would finally be taken care of. After submitting a new round of documents -- some whose status ' still haven't been updated on their portal even though they were received and required weeks ago -- I have now been asked for new documents that need to filled out and signed by my co-op board ... .10 days from the estimated closing date. 

This has been going on since XX/XX/2020. I could have closed twice over with another bank like XXXX. At this point it is clear that Citibank is refusing to provide a service I am perfectly entitled to and place hurdles every step of the way while purposefully wasting my time and money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting an account on my credit report that has not been verified. The account is XXXX XXXX XXXX. The collection agency was sent a debt validation letter in XXXX and I also submitted a CFPB complaint. The company failed to provide proof of the alleged debt. XXXX and XXXX have since removed the account from my credit report. I am demanding that XXXX remove this account from my credit report within 3 days for negligence, violation of the FCRA, and defamation of character. I will be moving forward with filing a statement of claim against your company if this account is not deleted.

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 2023-10-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I started the dispute for the plane tickets with my credit card company ( Wells Fargo ). The issue was that due to unforeseen circumstances I got to the airport late but before the plane took off. There was nobody from the airline to help ( I also called the office but was not able to get through ). Finally, when I was able to talk to someone from the airline, I was told that they couldn't do anything, which I found out later was a like. The tickets could have been booked prior to the takeoff ( for a fee, which I would be happy to pay ). Not only Wells Fargo kept jerking me around ( kept saying they couldn't help, then started the dispute, then contacted me to say that they would close it, then had me fill out documents- going back and forth ( from XXXX XXXX. They also issued me a credit, but they did not say it was a temporary credit till later ( about a month later ). I find this process very confusing and dishonest - providing credit and then saying that it was a " temporary credit ''. I feel that this practice is tricking people to believe that they can get their money back and spend the money that they don't actually have. Now I have to pay again for something that was paid months ago, and I did not budget for at this time.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My wallet was stolen from my handbag while in my possession on XX/XX/2023. I was effectively pick-pocketed. ( I filed a police report the evening this occurred on XX/XX/2023. ) The thieves quickly attempted many fraudulent multi-thousand dollar transactions at XXXX XXXX in XXXX, MN. Two fraudulent transactions were successfully made the evening of XX/XX/2023. One for {$3200.00} was made using my debit card and I'm working with my bank on resolution of it. 
The other one was for {$4200.00} made with my XXXX XXXX XXXX XXXX card. This is the one I'm filing a complaint about. XXXX XXXX XXXX not only reported this charge to the Credit Bureaus XXXX TransUnion, XXXX, and XXXX - prior to my account statement cycle closing ; in addition their authorized charge also put my account over the credit limit and has had a significant negative impact on my credit score. One of my bureau scores ( XXXX Score XXXX ) dropped XXXX points following XXXX reporting of this charge to the bureaus. I have made several calls to the XXXX XXXX XXXX Customer Service team to request they work with the bureaus to remove this information from my credit file. On XX/XX/2023, I received an update from XXXX XXXX XXXX ( XXXX ) with an assurance that the bureaus received a request from XXXX to remove the fraudulent information from my credit reports. I was told XXXX " obviously recognizes it's a XXXX error ''. I have no guarantees of how quickly this will be resolved. Their internal credit bureau reporting processes failed and they are at fault for reporting this fraudulent charge to the bureaus and it turn causing my credit score to lower substantially.

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 2022-07-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX cards were opened in XX/XX/2022, I received XXXX credit cards in the mail from Amex. I have called AMEX and have them cancel the card and pay with the bank account that was on file. The total amounts were above {$25000.00} on the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to have a closed account removed from my credit. It has been a few years and it has negatively effected my credit. I have sent letters, emails and made calls to XXXX XXXX XXXX XXXX. The past due amounts are incorrect as well. This account needs to be removed from all XXXX 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 2023-11-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is not removing the fraudulent accounts on my credit report XXXX XXXX XXXX XXXX XXXX 's XXXX And other XXXX accounts 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information, specifically my address.

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 2019-09-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a regional XXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. They " hired '' me and told me to start a 15-day trial period using two of my credit cards ( XXXX XXXX XXXX Travel Rewards and Citicard AA Advantage ) to make purchases. They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two- account information to my online banking in order to make the money transfers to my credit cards. I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XXXX and sent them to the  address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XXXX. I would like someone to help me what other steps should I take. Thanks in advance, XXXX XXXX cell : XXXX email : 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 2019-09-12
Company: Michael J Adams PC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices Michael J Adams PC, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party XXXX XXXX XXXX  online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
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. 

I told the XXXX, Transunion, and XXXX to remove these accounts I never opened or authorized them, Im a victim identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

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. 

These accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting 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:
XXXX XXXX XXXX contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my 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 2022-12-26
Company: Navient Solutions, LLC.
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 havent paid a Navient loan since XXXX, i was in graduate school deferment until XXXX. 

I could not pay in XXXX since I was still in graduate school ( they did not offer any options despite covid and me being unemployed in XXXX due to graduate school demands and pandemic job loss. 

They refused to talk to me, no one at Navient would speak to me. 

My cosigner claimed a XXXX  XXXX XXXX, and then Navient said my loan was written off ( via credit report ). But they refused to speak to me. 

I got a lawyer and filed a XXXX  XXXX this past summer ( XX/XX/XXXX ). Navient showed up as written off then, due to XXXX  XXXX. But they still refused to speak with me, and would not tell me anything. 

My credit score just dropped XXXX points because Navient showed up again and changed the remark from XXXX  XXXX, to written off as bad debt. 

I want to dispute this. Its not fair, they wouldnt give me my status of loan at all over the years, probably avoiding the statue of limitations ( 4 years for private student loans. ) and they already reported written off once, and now I take another hit as Im repairing my credit score. 

At one point they transferred me to the Bankrupcy departmentrepeatedly, but people Would answer the phone and say they were from a training company and had no affiliation with Navient ( really bizarre ). 

I want them to leave me alone, take this bogus knock off my credit report and give me a letter with information about the loan, the statute of limitations, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I reside in XXXX XXXX had checking account established with US Bank XX/XX/XXXX via on line. Occasionally deposit money by check thru the mail service. Seen they were offering a pretty good cd rate so called an had banker transfer XXXX for 7 month CD.on XX/XX/XXXX with maturity date of XX/XX/XXXX. Called XX/XX/XXXX to see if rate would stay same and if not transfer to checking. Confirmation number XXXX. When I received new statement in mail seen CD had not been transferred to checking. That is when I first called XX/XX/XXXX and found out the CD was renewed at ,05 % I asked at that time for it to be transferred to checking on XXXX XXXX. Have made contact with them speaking to four different bankers and each time they refer to another department.My last contact was with banker XXXX on XXXX he said Supervisor XXXX would call and fix problem. Well one again no call and CD remains where it is with I having no access to it. 
Call dates again are XXXX XXXX. Direct Tel # yo XXXX XXXX ( sp ) XXXX XXXX XXXX have called and left message with no return calls Please help I'm XXXX XXXX and this is very troubling. 

Thanks In Advance Tel # XXXX cell 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 2023-11-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You've consistently reported these accounts incorrectly for several months now! The following accounts are being reported incorrectly, even in the comments section. These account numbers erroneously reported as late payments and it's infuriating how you keep reporting inaccurately. According to our compliance protocol, it's imperative that you promptly delete them. Please note that this isn't a matter of correction but removal. I've raised disputes regarding this matter multiple times, and you must remove these erroneous accounts.

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