BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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 wrote to your company a few times and the last time was in XXXX of this year. I send you all of my information bank statements showing you and Citizens One Bank the same thing. They kept asking for a extension but only to come up with a lie on record. I send. the proof in your files showing that they have a payment that they kept and did not applied it to my account but keep marking my account of being late. Your office told me that they can't make them respond because they did it once. I need help they have lied to you and made your office look like a joke. Who can I turn to to get some help. I was given a few numbers from your office but they can't help me because I'm not late on my payments or in Foreclosure. I have been dealing with this for years but now you have the proof in your files showing that they lied and don't care about me or your office. Please tell me who can I go to for help in addressing this on going problem. I wrote to their XXXX XXXX XXXX XXXX they said that they would look into it but you see what they send you. It looks like someone at the Bank is stealing funds and they don't want to address it. 
Can you please direct me to someone or a company to can look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I went today XXXX to close out the account with a branch manager and he couldnt close it and give me my funds of {$2700.00}. He called risk dept and advised me they will not release the funds so they can keep charging me overdraft fees so they can get more money out of me. So he advised to call and also advised me they will keep charging me overdraft fees till the XXXX to get money off me so it can pay their paychecks. I have also received a letter that my account will be closed because a check did not clear due to insufficient funds. 

I have posted a screenshot of my current account as well.

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 2023-10-18
Company: EQUIFAX, INC.
State: AR
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 writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open account with Equifax and XXXX Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts on my account and promptly contacted your customer service department. I explained the situation and submitted the required documentation, including [ provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. 
After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The late open accounts on my account are significantly impacting my financial and personal well-being. 

I request the following : XXXX and effective action to correct the late open accounts on my account. 
Clear  communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of the late open accounts. 
Compensation for any financial losses or damages incurred as a result of these late open accounts. I am asking for your assistance to correct the late open account in my credit file : DEPT OF XXXX XXXX XXXX XXXX XXXX, XXXX  Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There are several hard inquiries that i never authorized to run my credit and some are on there multiple times. The Inquirer and Dates are as follows : Name : Date : XXXX XXXX NA 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

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 2023-09-18
Company: EQUIFAX, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted the company and disputed the debt in question was not mine at all someone had illegally and with out my knowledge or permission opened the account. The company responded that they investigated and the account is not mine. They didn't and have not taken the account off my credit report and out of my name and that's what they're supposed to do so please get this removed off my report and out of my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: DE
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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und owing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT, As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-09-18
Company: EQUIFAX, INC.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: GA
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 am submitting this CPB Complaint as a formal request to Equifax Credit Bureau to remove the disputed accounts completely from my Credit File. Under the Fair Credit Reporting act, Credit Reporting must report accurate information only. Also, the disputed accounts are only reporting with Equifax Credit Bureau and are already removed from other Credit Bureaus. Once again, I need to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage, which closed on XX/XX/XXXX. My " old '' mortgage company ( Dovenmuhle loan # XXXX ) owes me {$3700.00}. They advised me that the check for that amount would be received by me on XX/XX/XXXX ( after a waiting period of 15 business days since closing ). To date I have NOT received the funds as promised. I was told that the check was " cut '' on XX/XX/XXXX. I find it interesting that the bank charges me " interest '' on monies that I owe the bank, but NOT the other way. Its mind boggling that Dovenmuehle is so arrogant. I was on the phone with a supervisor onXXXX at XXXX and she hung the phone up on me. I want my money plus interest from when I paid my mortgage installment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: VA
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX along with Hunter Warfield have put a large ungodly amount of money against me that has seriously hit my credit score .. ALL IS COMPLETELY FALSE! I paid my rent 2 weeks early the entire time I rented from them.. They kept my deposit and said the extra amounts were for carpet replacement.. The carpet along with the 2nd rate apartment complex was disgusting. They had XXXX  and XXXX XXXX raided every single night.. The most unprofessional person 's they could find for representing their company that harassed tenants trying to move from facility worse than any situation I had ever been in with a landlord. She cut the locks off while we were inside 3 weeks before my lease was needing to be renewed completely beligerant scaring my kids and not {$1.00} was late and I tried staying away from her completely not causing any problems.. The place was subpar and really nothing I would ordinarily would ever live in but my husband died 2 weeks before moving in.. I had never seen this complex or knew of anyone renting their.. I moved back to my hometown for familiarity and this was built in the mean time.. I have tried resolving this issue with them.. Hunter Warfield should be shut down along with these greedy slum lords trying to squeeze a few more dollars for their own greedy gain.. THE CARPET WAS DISGUSTING IN FIRST PLACE! DO WAS THE PAINT! HOW AM I OAYING THIS? AND HOW IS THIS LEGAL FOR YOU ALL TO RUIN MY GUTURE AND MY CREDIT SCORE ALTERING MY CHILDREN AND I PLANS BEVAUCE YOU NEED PAWNS TO OAY FOR XXXX  HACK WITH XXXX  LURKING 24/7.. I HAVE NEVER RAISED MY KIDS UNDER THESE CONDITIONS.. IT WAS TIME TO GO! 1 YEAR WAS XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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

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 2021-03-12
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am requesting proof that I am indeed the party that the US DEPT OF ED/XXXX are seeking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Credit Reporting Act ( FCRA ) Sec. 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ]. VALDIATION by definition in law means To assess an action to determine if it is delivering the right outcome. The US DEPT OF ED/XXXX is a corporation, meaning they can not do an assessment because they are not a Natural/Living person which an assessment can only be done by one who can be categorized as such. I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them. If their offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. I will not hesitate in bringing legal action against them for the following : Violation of the Fair Debt Collection Practices Act, Violation of the Fair Credit Reporting Act, Fraudulent accounting practices, Defamation of Character and emotional distress. Also be advised in order to be an original creditor personnel to Title 15 Chapter 41, you must be a NATURAL person with the ability to originate credit in order to be considered a creditor. ANY use of the term for any party other than that definition is a violation of FEDERAL law and they WILL be held accountable. As a FEDERALLY protected consumer and the only consumer in this matter I demand that they follow federal law when determining their response to the previous demands.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SYNCHRONY FINANCIAL
State: UT
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 XX/XX/XXXX I contacted care credit for a dispute they said the doctor was acting in good faith I showed a police report that was filed and the doctor and office cant contact me so theres a lie. I proved that the doctor changed the XXXX on my wife while she was XXXX  they claim services were rendered it doesnt matter what he did he performed XXXX and I should just be happy.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 2021-03-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan transferred from XXXX XXXX to LoanCare on XX/XX/21. I have been calling everyday from XXXX until this morning XX/XX/21 to order a payoff statement. I have been told I would receive it on the XXXX, then when that didn't happen I reached out many times and was told by at least 3 representatives that I would have it on XX/XX/21. I was on the hold to speak to a supervisor for 3 HOURS. Then was disconnected. This happened twice where I was put on hold and then was disconnected. They can see the order in the system but keep telling me it is still in the boarding process. Now they are telling me that they don't have any idea of when they will provide me with the payoff.

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