BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-03
Company: BSI Financial Holdings, Inc.
State: UT
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:
On XX/XX/2021 It was reported to XXXX  that my account with BS is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to BSI from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with BSI I have made the full payment every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Seattle Service Bureau, Inc
State: UT
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:
National Service is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt, I immediatley called and settled the debt. I was unaware about this as I hadn't received any letters which violates my 30 day right to dispute. Either way I settled the debt and am now asking that they remove this from my credit file as it has been satisfied. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my 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 2021-08-24
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021 I issued an ACH payment through Webster Bank to XXXX XXXX in the amount of {$1800.00}. This was my XX/XX/2021 mortgage payment. 

Around XX/XX/2021 I received notification that my loan was being transferred to XXXX XXXX. 

On XX/XX/2021, I contacted XXXX XXXX  to pay my XX/XX/2021 mortgage payment and was told I never paid XXXX 's mortgage and had to pay XXXX + ~ {$200.00} late fee due to the payment being late. I made the payment totaling {$2000.00}. 

After XX/XX/XXXX through XX/XX/2021, I corresponded with XXXX XXXX  and Webster Bank to find the money that went out of my account on XX/XX/XXXX but was never returned nor posted to my mortgage loan. XXXX claimed they never received funds from Webster Bank. Webster claimed they sent the funds.

I was provided with letters from Webster Bank indicating that the money was withdrawn and never returned into my account. Despite the letters that contained tracer numbers, XXXX XXXX  denied having ever received the funds. 

Around XX/XX/2021, I filed an ACH dispute with Webster Bank to find the money they lost. They concluded this dispute and sent me a letter dated XXXX saying I authorized the funds to be withdrawn and thus my dispute was closed. 

I still do not have the {$1800.00} that was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Reporting act XXXX Account, 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

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-25
Company: ROAD Auto Finance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been trying to notify Road Auto Finance company of the null contract that XXXX has put me in. They will not here me out they have been trying to illegally reposses my vehicle. And ignore my every attempt I AM GOING TO SUBMIT DOCUMENTS BE LOW TO BACK UP MY CLAIMS. 

Contract is Void due to the following violations and can no way possibly be denied. 
I also have reasonbly belief that XXXX falsified information on finance application of my income to get me approved for Auto loan. 

1. Service contract, the service contract was included in my 54 month ( 4.5 year ) finance amount even though the service contract Cleary states ( 3 years ) 2, Dealer fees, the dealer imposed fees for service that are not required by law to be paid by consumers infact the service implied only takes ( maybe 30 minutes ) maybe a are never done again yet I'm am being charged for them for ( 4.5 years ) ( I.e cleaning the vehicle, washing vehicle, topping off fluids. ) All which ARE ALREADY INCLUDED IN TOTAL PRICE OF VEHICLE AS WELL AS NOT REQUIRED IN THE STATE OF FLORIDA 3. TOTAL AMOUNT FINANCE IS INCORRECT!! TOTAL Contract is VOID ALL VIOLATIONS OF TILA, UNFAIR DEBT COLLECTING, AND POOR CONSUMER TREATMENT!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: CA
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 personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXXXXXX XXXX, XXXX : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CITIBANK, N.A.
State: NJ
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:
The charge of {$710.00} with XXXX is being disputed due to their failure to provide full credit for a returned order, despite promising to do so. The items were returned within the specified XXXX time frame outlined in the merchant 's return policy, yet the credit received was less than the total amount charged. To support this claim, we have attached the necessary documentation including the merchant 's return policy, proof of return with the full address to which the package was returned, and confirmation of delivery tracking number. 

I contacted Citibank on XX/XX/2023, XX/XX/2023 and XX/XX/2023 to address an issue with Case ID : XXXX and requested that Case ID : XXXX be reopened. I am composing this letter to request that the investigation be reopened. To support my claim, I sent proof of return tracking via XXXX XXXX delivery confirmation, and a copy of my receipt from the merchant indicating that my Citibank Mastercard ending in XXXX should be credited {$710.00}. These documents were emailed to XXXX on XX/XX/XXXX, XXXX, and XXXX of XXXX. Please note that all documents were submitted before the investigation for XXXX ID : XXXX was complete. 

On XX/XX/2023, I received a letter from Citibank requesting additional information and a signed letter, which I provided and returned via email to XXXX on XX/XX/2023. However, on XX/XX/2023, the investigation was closed by Citibank, stating that the merchant issued a voucher. 

Nonetheless, I have not received a voucher from the merchant, rendering the dispute 's closure and my account 's rebilling invalid. As far as I know, there is no substantiated proof that a voucher was issued, and the merchant has not provided Citi with a copy of the voucher or any information on how it was issued. Therefore, I am requesting that the case be reopened. The merchant should provide a comprehensive explanation of how the voucher was issued, rather than implying its issuance.

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 2015-09-17
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA State Law ; he laughed & said " have your attorney call ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted multiple disputes across all XXXX credit bureau 's and have not received a response. it has been 3 months since I filed my initial complaint. All I ask is that these fraudulent transaction be investigated and deleted 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 2020-04-05
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LJ Ross Associates placed a collections account on my credit report for a purported five-year-old debt I do not owe. LJ Ross Associates acted with wanton disregard for the truth, and placed this item on my credit report without verifying the amounts with me, and without properly auditing the accuracy of the data. I attempted to contact the company by phone, but they did not answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: EQUIFAX, INC.
State: MI
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 was a victim of ID Theft as far back XX/XX/XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XX/XX/XXXX/XX/XX/XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
Navy Federal Credit Union closed my credit card account XXXX of 2022 and continuously misreported on my credit score. I Usually run my credit reports at the end of the year but this year ran it early XXXX so I wouldn't have found out they closed it. On my banking app it shows the card still there, shows the balance left and the credit limit but is not being translated to my credit score.

When I pulled my report this year I looked at my account and it was marked as closed and not a single payment has been reported. The only reported item is the balance owed and not the credit limit. I did not close this account and this account has been in good standing the 7 years I've had the card.

When I called NFCU they told me that their system chooses accounts that have little to no use on it and they close it. With the system doing this it no longer reports my accurate credit card limit but reports the balance of the credit card. This has had my credit usage on my credit report up and over 150 % for over a year! 

They told me that there is nothing they can do even though they are falsely reporting my credit. Since the call my credit has reported a XXXX pt drop and I feel as if the institution is falsely reporting more information. 

I've paid off over XXXX in debt in the last two years trying to rebuild credit and my credit score has trickled upwards. NFCU falsely reporting my credit limit has negatively affected my credit rebuild for over a year now and it's not right, it's not ethical. Why does their system get to pick and choose and XXXX over consumers. 

Once all of my debt is paid off through this institution I am no longer going to bank with them. When it comes to working with customer about the banks mistakes the take home last place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I monitored my account on the Bank of America mobile app and set up 3 electronic withdrawals. I waited till the withdrawals came out of my account and saw that I had a remaining balance of {$1.00}. The bank is telling me that the amount on the app is not accurate that my balance was lower and so I was charged a return fee twice for a {$100.00} payment. They told me after serval time asking if the mobile app is just flat out wrong that in order to see an accurate balance of my account I would have to log in on a laptop or desktop computer then click on a special screen that will show me an accurate balance. I asked if I could be refunded because the error was not on me and that I was misinformed by their app which is still showing the same transactions and balance that I had the day this all happened and they refused.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have called the credit bureaus to remove hard inquiries on my report that are 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 2023-05-04
Company: Experian Information Solutions Inc.
State: SC
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:
You are reporting a DELETED account from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REPAIRED the account listed below as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}

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 2023-01-09
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-08-03
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: Account information incorrect

Complaint:
A close review of my credit report I noticed that the balances reporting are incorrect. The high balance reports as {$22000.00} ( XXXX  ), {$22000.00} ( XXXX  ), and {$14000.00} ( Equifax ). According to the information received the balance originated at {$21000.00} which is inaccurate reporting. According to XXXX the deficiency balance is {$7300.00} however on the accounting report sent to me the balance is {$5200.00}. Clearly there are some discrepancies reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am filing a formal complaint against XXXX XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft Red Flags Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, XXXX has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to XXXX, including XXXX  reports, a police report, a state of XXXX XXXX XXXX, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, XXXX has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire XXXX credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

XXXX 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and XXXX 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, XXXX 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule ( 12 C.F.R. 1022.20 ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, XXXX is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded XXXX 's deviation from the documented dispute process outlined in my submission, XXXX has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure XXXX complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by XXXX, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

XXXX that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner XXXX necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief