BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-14
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes and I didnt get a responds within the XXXX day and XXXX  are related by law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Each year the escrow is not covered. They ask for thousands each year to cover. It is supposed to be automatically covered. Our mortgage went from XXXX to about to go to over 1k if we dont pay them another couple grand before XX/XX/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 2023-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects on my consumer reports has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know of any debt with your company. Nor have I signed an contract with your company. 

If this debt is from another company, I have no knowledge of this debt and have not been given written notice to dispute the validity of this debt and get it cleared up if this is a valid debt. 

I am requesting that this collection is removed from all three credit bureaus until we can get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PRA ( Portfolio Recovery Associates ) sent me multiple collection letters to which I responded ( via certified mail ) and demanded verification of the alleged debt and they refused to respond to several letters all the while continuing their " collection '' efforts for a debt I don't owe. Then, they filed suit against me and they refuse to even respond to court motions. Approximately 2 months after they filed suit against me, PRA finally got back to me by " responding '' to my previous requests for debt validation with a couple of copies of credit card statements that were totally not correct and were nothing different than the haphazard stuff they filed in court. Additionally, they called me while I was in the bath at XXXX XXXX When I told the guy who called that I didnt think he could call before XXXX, he totally lost it and started yelling at me and said why dont I " learn how to tell time '' and I said I know exactly what time it is because my son was just picked up by the school bus and I was looking at my phone and it said XXXXXXXX XXXX  He then asked where I was and I said I am in the bathroom taking a bath and he called me an XXXX and said " no, what city ''. I said XXXX. Then he lost it on me and said something to the effect that I am too stupid to know that it is XXXX in XXXX Ohio . I told him that I lived in XXXX Missouri, not Ohio and he hung up instantly, didnt apologize or anything. They started sending collection letters early XXXX and filed suit in XX/XX/XXXX ( case is still pending ), didn't serve me with the suit until XXXX and they didn't respond to all of my letters regarding their debt collection until AFTER they filed suit and about a year after I first started sending letters disputing the supposed debt and demanding verification. When I finally received what they called verification, it was vague and incorrect at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two separate {$1000.00} principal only payments were sent to the mortgage servicing company on XX/XX/XXXX and XX/XX/XXXX but the company has not applied those payments to reduce the remaining unpaid balance. The company just ignores my concern and will not respond. Send emails on XX/XX/XXXX and XX/XX/XXXX along with written letter mailed on XX/XX/XXXX, but no communication and problem not fixed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRUIST FINANCIAL CORPORATION
State: DC
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:
Truist Fraud Management Claim No XXXX XXXX On the ATM/ Check/Electronic Check error Resolution Form there was a mistake where the sender pre-typed some wrong information. I was sent this form and was asked me to fill out the unmarked items, after looking over the form they pre-typed on line # 5 that I had my PIN # written on the back of my card. I did not put that there and they would not let me refute the claim or ask any more questions. 

I wanted a through investigation of the initial phone conversation when I made the claim. I do not recall answering question # 5 saying that my pin number is on the back of my card. 
I also went into the branch to make a claim and it wasn't submitted correctly so it delayed my claim for two weeks, i would also like that investigated.

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 2023-11-19
Company: Experian Information Solutions Inc.
State: TX
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:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including XXXX, Experian, and XXXX must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to XXXX, Experian, or XXXX by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, XXXX, Experian, and XXXX are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, XXXX, Experian, and XXXX are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.

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 2023-01-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I mailed several letters from my place of business at XXXX XXXX XXXX, XXXX, XXXX. Several of these letters contained checks. Within the next two days, 6 of the checks showed up in my online bank account. They had been altered and {$11000.00} was missing from my account. After an extended period of time, CitiBank returned the funds to my account. In the interim, on XX/XX/XXXX, I put a stop payment on check number XXXX, which was confirmed by CitiBank. This check was written to XXXX XXXX ( one of my father 's aides ) for {$500.00}. This check had been mailed with the other altered checks, but had not shown up yet. On XXXX, amazingly CitiBank cashed this check! And it had been altered and increased to {$5000.00}. I didn't discover it and wasn't back in town to register the complaint until XX/XX/XXXX. After placing the complaint, I have called regularly about having the money returned to the account. Each time this is an extended process, usually taking about 40 minutes, to get to the right department and waiting through multiple holds. On XX/XX/XXXX ( 50 min ), I was told by XXXX that it would be returned to the account 5-7 days. Of course I complained that this was a " stop payment '' and should be returned immediately. On XX/XX/XXXX ( 40 min ), I was told it could take between 60-90 days. On XX/XX/XXXX, I was told by XXXX that it should be returned in 5-7 days. On XX/XX/XXXX ( 25 min ), I was told by XXXX that they were still waiting for an answer from XXXX XXXX XXXX Of course I countered with what does that have to do with this, since this was a check that had a stop payment on it. I asked for a supervisor and spoke with XXXX, who said this could take 90 days. I then interrupted and said that this already over 100 days from when CitiBank cashed the check ( XX/XX/XXXX ) and she replied that they count from when the claim was made and I countered again that that is also over 90 days ( XX/XX/XXXX to XX/XX/XXXX ). She just said she would put my complaints into the record. It's obvious to me now that CitiBank is not actively working on this and just keeps pushing it down the road, and since it's firstly a case of them cashing a check that had a stop payment on it, there was no cause for any of the postponement. Their lax security is the cause of these problems. If they are not pursuing any of these criminals, but instead just victimizing their own customers, aren't they doing the stealing and also aiding and abetting criminals?

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 2023-11-21
Company: Experian Information Solutions Inc.
State: TN
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 am presenting this to formally submit my sixth and subsequent follow-up complaint, urgently requesting the removal of specific items from my credit file as a result of alleged identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I would like to emphasize that the credit bureaus are mandated to remove any disputed items no later than four business days after XX/XX/XXXX. This matter has been previously addressed in my earlier complaints, and I am reiterating my concern along with the attached Identity Theft Report # XXXX and supporting documents. The information provided by the credit bureaus on these items is unfamiliar to me, and it has already been successfully removed from other credit reporting agencies. I hold reservations regarding the accuracy of the report, particularly concerning the following inquiries and addresses that require immediate removal. Please see these items below that needed immediate removal before the upcoming credit report update within 15 days time : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/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 2023-05-23
Company: Experian Information Solutions Inc.
State: OH
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 ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-06-13
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid 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 made a transaction of {$1400.00} on a private website and the shipper marked the product as delivered but I never received it. I reached out to the business for no use, I have been continuously following up with the bank and created multiple disputes but they were closed without any proper justification. On my 6th dispute, I was requested for an affidavit which was submitted in time but that too was closed without a reason. I have been calling them every month since XX/XX/2021, but they stopped accepting a dispute after a year but I still kept trying to reach to a supervisor and discuss my issue. Their call centers are based out in XXXX countries, the reps on call hardly understand what is being said and they either XXXX on my face or ask to call later. Recently, in XXXX, I got a call from Citibank asking to clear out all the balance but I refused due to the pending dispute. The person over the call was patient to listen my story and promised to raise it to their corporate and come back with a solution, he confirmed not pay anything till theres a solution to this. But in a few weeks I was notified about a late payment derogatory remark submitted by Citibank relating to the same transaction. I have been reaching out to Citibank to get this corrected but no one is able to understand not willing to help. They even cut short my credit limit to XXXX from XXXX, which is making a bad effect on my credit history.

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 monetary relief
Consumer complaint received 2023-01-21
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union is refusing to RELEASE the {$180.00} ( XXXX XXXX XXXX dollars ) CASH I deposited on XX/XX/22. 

Cash was deposited, NOT money order or check, so there is NO reason WHY these funds are not made available IMMEDIATELY. 

I need to pay a bill, and I am being prevented from doing that because Navy Fed is holding my money HOSTAGE. 

I think that this is THEIR way of discouraging me from banking with them further, and it is a very XXXX policy ( I am XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my identity theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent 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
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
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 acquired my credit bureaus to check anf make sure everything was complete and accurate according to 15 usc 1681 ( i ). 

I waited XXXX  days and I haven't recieved nothing here is my tracking number # XXXX. It has been over XXXX days. 

And XXXX more thing, Experian, XXXX, and XXXX didn't record the current status of the account being in the disputed status. 

Experian, XXXX, and XXXX is holding me back from getting a new house and car. This is very fustrating, because I am trying to improve the life of me and my family and Experian is not doing its job according to the law.

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 am a victim of identity theft please remove this fraud inquiry from 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 2023-06-13
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid 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:
On XXXX XXXX, I purchased a desk to be custom made. This originally was to be delivered by XXXX XXXX. Due to the pandemic and other reasons, the desk delivery was delayed until XX/XX/XXXX. Once it was delivered, it was found to not be what was specified on the work order. Immediately, I contacted the furniture provider, and in writing, he agreed to have a new desk made and delivered, and he would later arrange pickup of the incorrectly made item. Since he needed time to make the desk and arrange for freight delivery, my Revised delivery date was set to be XX/XX/XXXX, with a clause that if he could not make this date, he would issue a full refund. The orig work order and this new agreement, along with documentation setting the expected date of delivery of XX/XX/XXXX for the desk was provided to Fidelity Visa. 

I talked often to the merchant during this time, but the last time he responded was in the third week of XXXX. During the first week of XXXX, XXXX, I contacted my credit card to start a chargeback. 

My Fidelity Visa credit card declined this chargeback as being outside of the 60 day allowance. I know this is not Visa 's only rule, and Fidelity should also follow this one : If the merchandise or services were to be provided after the Transaction Processing Date, XXXX calendar days from the last date that the Cardholder expected to receive the merchandise or services or the date that the Cardholder was first made aware that the merchandise or services would not be provided, not to exceed XXXX calendar days from the Transaction Processing Date. Seeing as how my LAST date I expected to receive the desk ordered was XX/XX/XXXX, I was easily within this time. Also, going by " or the date that the Cardholder was first made aware that the merchandise or services would not be provided, '' this date would be when the merchant did not deliver on XX/XX/XXXX, and stopped responding AFTER XX/XX/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