BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The addresses reported on my credit report are not mine. XXXX completely ignored our request to remove the wrongly reported address. I am in the process of buying a house and this is causing dearly.

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to express my deep dissatisfaction with Citibanks handling of my Costco credit card account. I recently experienced an unexpected and unfair account closure with resulting in the loss of my hard-earned {$150.00} in rewards.

The circumstances leading to the closure were as follows : my daughter, who is away at college, needed access to the Costco card for grocery purchases. In response, my wife and I decided to add her as a second cardholder and, without any prior warning, Citibank unilaterally closed my account. The closure was executed without notifying me, I didn't receive the warning, and it came as a shock to learn that my {$150.00} reward had been forfeited.

Upon contacting Citibanks customer service, I was informed about a fine print clause that apparently allowed them to take such actions. However, it is unreasonable to expect customers to meticulously scrutinize the fine print during a brief enrollment process, especially when opening an account at a busy location like Costco.

I believe that this practice is inherently unfair, as it not only resulted in the closure of my account but also led to the loss of rewards that I had rightfully earned through my Costco purchases. I urge the FDIC to investigate and address this matter, as it represents a breach of trust and transparency between Citibank and its customers. 

I appreciate your attention to this issue and look forward to a fair resolution, I want them to issue back the reward in the amount of {$150.00} that I already earned.

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 2023-09-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2022-02-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I contacted Select Portfolio Servicing regarding forced insurance and balloon payment that was placed on the back of my loan. I requested documents regarding the original modification. I requested information regarding for the forced place insurance and was never informed by letter regarding the forced place insurance being placed on my loan. I requested the letter regarding the forced place insurance and have yet to receive that information. I was advised that they would have to research to locate documents. I made the attempt to refinance property to make major repairs to the dwelling however I was denied due to the appraisal value of the home being XXXX which is lower than what my payoff amount of XXXX not including an undisclosed balloon payment amount that I have yet to get information on. My current interest rate is over 6 %. On XX/XX/XXXX, We have attempted to sell our home and requested a reduction in payoff for XXXX. I was advised on XX/XX/XXXX that the request for reduction was denied due to the mortgage not being 90 days past due. We have received multiple offers for XXXX for the property. I feel that is unfair and unjust that I have made my payments on time with my failing health and my age, I feel that my lender is taking advantage of me and my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 
2. My current address is : XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses IMMEDIATELY they are not accurate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
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:
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported date is not accurate, the closed date is not accurate and last payment date is inaccurate, Days late are also inaccurate. This is grounds for removal they also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
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 XXXX XXXX Transunion XXXX and XXXX to reinvestigate these accounts : Account name : Date Filed XXXX Court Id XXXX XXXX XXXX Case Number XXXX Trustee XXXX XXXXXXXX XXXX Type Individual Disposition Proposal to creditors Disposition XXXX XXXX  Liability XXXXXXXX XXXX XXXXXXXX, Account name : Description Unpaid Collection Code XXXX Date XXXX Agency Name XXXX XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX Original Amount {$9000.00} Balance Amount {$9000.00} Last Payment XXXX, Account name : Description Unpaid Collection Code UC Date XXXX Agency Name XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX XXXX Original Amount {$430.00} Balance Amount {$760.00} Last Payment XXXX, Account name : Date Reported XXXX Creditor Id XXXX XXXX High Credit Amount {$690.00} Balance Amount {$690.00} Past Due Amount $ XXXX Months Reviewed XXXX Date Opened XXXX Portfolio Type Open Payment Rate One payment past due Payment Rate Code O2.Account name : Date Reported XXXX Creditor Id XXXX XXXX XXXX High Credit Amount {$11000.00} Payment Term Amount {$260.00} Balance Amount {$14000.00} Past Due Amount {$1800.00} Date Opened XXXX Portfolio Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code R9 Account name : Date Reported XXXX Creditor Id XXXX High Credit Amount {$10000.00} Payment Term Amount {$9900.00} Balance Amount {$11000.00} Past Due Amount {$11000.00} Date Opened XXXX Portfolio Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code R9 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 noticed unauthorized inquiries on my report and noticed someone applied for something in my name. I want to make you aware that according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.

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 2023-10-03
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX " continues '' to collect a fraud debt and after much effort and communications as outlined in my previous CFPB complanit XXXX. XXXX not continues to insist XXXX of the XXXX formentioned fraud debts are due and has posted them on XXXX XXXX, XXXX, and XXXX. I spoke with thier collection agency who still insist on my lack of a police report to as reason to continue the collection for a fraud event taking place XX/XX/2018. XXXX XXXX still wants me to pay the Identity theft debt. The amounts in question are : XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX and XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}. 

I have been harmed by XXXX in that I have applied for and been denied credit for an auto loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Identity Theft XXXXXXXX XXXX Account Number : XXXX Delete this account. 

Mistaken Identity XXXX XXXX  Account Number : XXXX Delete this account. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2023-10-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX XXXX I called Chase to pay off my credit card balance. I spoke with customer service and told amount and made a payment for that amount. I received a bill the following month for interest charge. I wrote to the company on XX/XX/2023 and disputed the charge. Chase responded and refused to remove the interest charge. I have responded back to Chase in writing stating that I still disputed the charge. 

In short I contacted Chase, received a payoff amount, made a payment in that amount on XX/XX/2023 and I consider the account paid in full. 

I have attached the letters sent to Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is currently being serviced by Citizens One. 

They have the worst customer service Ive ever experienced in my life. Most of their employees are not trained with the knowledge they need in order to provide the answers and services required. Furthermore, I can not understand most of their XXXX based employees. Over and over again I am promised callbacks, and I never get them. 

Long story short, I have a forbearance plan that was recently terminated due to conditions completely out of my control in 100 % at the fault of my loan servicer. 

Without my permission, they changed my mailing address to an address, not even in my same state! And after doing so, they sent me communications regarding my loan/mortgage forbearance plan to that location, with my personal information on it, and never made any other attempts to contact me through any other forms of communication. Then, after not receiving response for meobviously, because I had XXXX knowledge of them attempting to contact me they terminated my forbearance plan back in the middle of XX/XX/2022. I only became aware of this because somebody came by in person and left a letter on my door. Meanwhile, I was trying to get updates on the status of my forbearance plan and I called numerous times, attempting to leave messages with the rep assigned to my forbearance plan. Never has she ever been available nor would I ever get a callback from her even the customer service would promise it. I am always left in the dark. And I am lied to, and I have no ability to speak to anyone over the phone who is able to provide any assistance. On the loan solution center website, there is XXXX information updated about my forbearance plan having been terminated. 

The letter that was left on my door, says that I have a right to an in person interview to discuss options for the current status of my loan. I have called many times and spoken with customer service as well as the loss mitigation teams, at citizens one bank ; regardless, everyone I have spoken to is either without the proper knowledge and training to help me, or promises a call back, and they never do. 

I am completely unable to get the in person interview scheduled, as I am told him that letter that I have the right to have. Also, and most importantly, in effect, I am unable to get my forbearance plan reinstated. 

The overall issue is that my forbearance plan was terminated because citizens, one bank changed my mailing address without my permission, and even after I requested it be changed back to my current address, they failed to do so multiple times, which they admit to. Their incompetence and inability to simply schedule an interview has me stuck in limbo regarding my current living situation, as well as my loan, itself. 

Please assist! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was going over my credit report when I noticed Items that was not authorized and I would like it to be removed. 
XX/XX/XXXX Experian/ XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$470.00} XXXX  XXXX XXXX XXXX  XX/XX/XXXX {$680.00} XXXX XXXX  XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XX/XX/XXXX {$200.00} XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX, Used XX/XX/XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX Home Furnishings Stores XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Credit Cards XX/XX/XXXX XXXX Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2023-11-21
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TRUIST has initiated a HSA Savings change to allow for your HSA to go into XXXX account for investing. 

They told me that I would not have a choice in this matter, and that XXXX would be charging a monthly fee as well. 

I did not want to invest my money and because XXXX can not take XXXX auto deposit I had to close my account and go with my XXXX credit union for a new HSA Savings account. 

I asked for my money to be transferred to my XXXX  HSA SAvings and was told by a TRUIST Banker to email it, which I did. Nothing, heard nothing. 

Then on XX/XX/XXXX  the money in my TRUIST account disappeared, no receipt, no email no help from brank office Banker! 
I contacted the Bank again via email and told them I was going to report the theft of my money to the police on XX/XX/. 
That afternoon a post was noticed that my funds were to be transferred to a new TRUSTIEE. TRUIST then charged me {$50.00} for ths transfer that their actions caused the need for it. 
As of this morning the HSA Savings at XXXX and at TRUIST both show XXXX! 

Please help me. I am a XXXX  citizen with a XXXX XXXX ( XXXX XXXX ) and I had XXXX last year. I need access to my funds and had to use my credit card for my last two pharmacy visits. 
XXXX is my cell.

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 2023-07-03
Company: Experian Information Solutions Inc.
State: AL
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:
UN-AUTHORIZED INQUIRIES ACCOUNTS NAMES ADDRESSES AND TELEPHONE NUMBERS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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