BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-07
Company: CITIBANK, N.A.
State: CA
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 received an answer from a XXXX XXXX that my request for reimbursement of {$48000.00} was being denied again. I made two airline reservations with Citibank card on XX/XX/2019, and they reversed one, but would not reverse the other, saying it was not fraud, and therefor I was responsible for it. The letter from this XXXX guy does not make any sense, and is just double talk to not admit quilt on Citibank. This is fraud on their part, and I paid them so not to get interest charges, and bad credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I found a house on the mobile app XXXX ( account number : XXXX ) and wanted to rent it on XXXX XXXX, 2020. Then I clicked the buttons " Request to apply '' and " Contact property ''. A person named XXXX XXXX contacted me and led me leave my email address. I did it and left my email address : XXXX. Then a person named XXXX XXXX XXXX email address : XXXX ) contacted me on XXXX XXXX, 2020, and led me answer a rent questionnaire. I did the questionnaire on XXXX XXXX, 2020. Then he asked me more questions, and I answered. On XXXX XXXX, 2020, he emailed me and told me that he decided to rent the house to me and emailed me a lease agreement, but he is in New Jersey, and I am in California, so I have to pay the deposit, {$2100.00} first, then he will mail me the keys and documents, and I can go to the house and take a tour. I did not reply immediately, so he texted me. His telephone number is XXXX, and my telephone number is XXXX. He told me once he receive the deposit, he will mail the keys and documents out. Then I used my husband, XXXX XXXX XXXX XXXX  XXXX XXXX account to send {$1100.00} to the XXXX account that XXXX XXXX provided to me on XXXX XXXX, 2020. He said this is his wife, XXXX 's account, account number is : XXXX. Because our account did not have enough money, so on XXXX XXXX, 2020 morning, I sent the remaining payment, {$1000.00} to the same XXXX account. In the afternoon, he texted me a XXXX  shipment label. The name on the label is XXXX XXXX, address is : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and the telephone number on the label is XXXX. But the tracking information has never been updated, so I contacted him on XXXX XXXX, 2020. He said the package has been picked up that morning. Then I wait until today, XXXX XXXX, 2020, and contacted him why the tracking information still no update, but nobody reply me. Then I tried to call him, but it says the number is no longer in services. Then I called the number that is in the shipment label. A female answered the call, and I asked are you XXXX XXXX? She hung up immediately. I tried to call again, but nobody answered. The third time, she blocked me. Then I called XXXX  XXXX XXXX to claim and told them what happened, they gave me a case number : XXXX. ( I have called XXXX  XXXX XXXX on XXXX XXXX, 2020 to claim the transactions because I thought I fell in a scam, but I can still contact XXXX XXXX on that time. On XXXX XXXX, 2020 is the second time I contact the bank to claim, because I can not contact XXXX XXXX anymore, so the case number created on XXXX XXXX, 2020 ) And I also called the XXXX County Sheriff 's Office, and told them what happened. They gave me the case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions Inc.
State: FL
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX 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.

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 veals.

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 non-monetary relief
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-07-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED / XXXX # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TX
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC has placed an erroneous collection on my credit reports. The account has a balance of {$1500.00} and it is from XXXX XXXX  1. I have never had XXXX XXXX in my life. Because of this erroneous collection, my XXXX XXXX has dropped XXXX points and now I can not access credit. On XX/XX/2020, I sent the company a letter requesting them to provide a debt validation and more information. I never received an explanation letter from them. The next thing they did, was place the collection on my credit report on XX/XX/2020. It appears they are not complying with FDCPA and FCRA statutes. I need this collection removed and I would like to sue this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

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

15 U.S.C 1681 Section 604 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 take 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 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 2020-12-30
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit at my local First Citizens bank ATM in XXXX, NC on XX/XX/2020. The next morning, the funds were available in my account but then disappeared later that day. I called the branch and received a variety of stories over the next week, ranging from the bank lost the check to the check was placed on indefinite hold. 

The check was my payroll check, it cleared the issuers bank on XX/XX/2020, and as of today has still not been deposited into my account. The bank states that there is an " indefinite hold '' placed on the check but I was not advised of this at the time that I deposited the funds, in fact, the ATM said that they would be available the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX in conjunction with XXXX XXXX, XXXX BANK AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....

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 2021-02-26
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
It's ridiculous that they will put anybody in a car, without proper verification!!! These interest rates are crazy. They have ruined so many people lives

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Unauthorized credit inquiries on credit file. 
Violation of 15 U.S. Code 1681b ( c ) & Violation of 15 U.S. Code 1681i Attached document has more details.

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: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the XXXX date breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Synter Resource Group, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have had repeated calls from this company Synter Resource Group about a XXXX debt of {$300.00} which we do not owe. We do not think this company or the claim is legitimate so we are not calling them. Have spoken to XXXX and we do not owe them any money. The message is an automatic one and does not address us specifically by name - we have gotten the calls for the past week every day. They say the file # is 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 2021-09-20
Company: Comerica
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX two fraudulent transactions were made using my identity & EBT card information. XXXX.XXXX, XXXX XXXX, CA received {$500.00} & {$340.00} for a total of {$840.00}. 
I sent one certified letter to Direct Express but apparently the door was locked so mail carrier couldn't get signature so that letter is still at the USPS in XXXX, TX waiting for them to pick it up. 
I sent another stamped letter to them as well and then another stamped letter. 
Direct Express rep says they never received any letters when I talked to them on XX/XX/XXXX so my claim was never started until on this phone call with rep. He said it will be 45 to 90 days to finish this investigation. 

THE DIRECT EXPRESS REFERENCE NUMBER FOR MY CLAIM IS XXXX. 

I am on XXXX and live from month to month. 
My rent & utilities are past due. I can't pay copays for prescription drugs or specialist doctor appointments. I have no groceries. 
I gave Direct Express all of the above information. They should have contacted XXXX to stop shipment and deny payment. 
I had also emailed XXXX.XXXX  but only got a confirmation email. They never emailed me again to resolve this criminal act. 
MY TICKET NUMBER FOR XXXX.XXXX  IS XXXX. THEIR EMAIL IS XXXX They have no phone number listed on website. 
Direct Express terms of use states they reserve right to delay processing of suspicious card transactions. Somebody was asleep at their computer when these two fraudulent transactions were processed at XXXXam & XXXXam on XX/XX/XXXX. 
It appears that Direct Express lied about not receiving my 3 mailed letters. 
I also cancelled my card on XX/XX/XXXX and have since received the new card. 
I can not wait 45 to 90 days for them to resolve this matter. 
Direct Express stalled me from XX/XX/XXXX until XX/XX/XXXX and then said my claim wasn't started until XX/XX/XXXX and will now take 45 to 90 days to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11
Company: Pendrick Capital Partners Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pendrick and XXXX XXXX continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. Pendeick continues to reassign the collection debt, knowing they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CO
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXXXXXX XXXX  Balance : {$31000.00} XXXX 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 2021-12-06
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a mortgage application in early XX/XX/2021 to several lenders to compare rates, each lender quickly provided me with a pre-approval letter for the full listing price of the home I was interested in. Please note : I have excellent credit ( XXXX ), sufficient and stable income, low credit utilization, and good income/debt ratios. After comparing loan estimates, I chose Navy Federal Credit Union ( NFCU ) who provided me with a very competitive interest rate, and closing costs. Shortly after obtaining the pre-approval letter from NFCU, the sellers accepted my offer, and I began the closing process. Roughly 3 weeks into the process, I received a call from NFCU informing me my loan application had been denied. Their underwriter cited " poor credit performance with us '' as the reason. When I inquired about the account, they explained it was a credit card I defaulted on over 20 years ago ( at the time I was out to sea for 6 months ). The credit line limit was $ 1.4k, and it ended up going into collections, from there I paid on the debt, until it was satisfied and the account resolved. I asked the loan officer why something over 20 years old, and not on any of my current credit reports, would be used to deny my loan, and why did it take so long for them to make a decision of denial, when I provided all requested documents online within 24 hours. Since I had a specific amount of time to secure the financing, and provide the seller with proof, this also put me at risk of having the contract cancelled by the seller.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have a court case with the United States District Court XXXX XXXX XXXX XXXX Florida. Please I need your assistance to schedule jointly proposed by parties. Please if you can have a mortgage broker attorney and or real estate attorney to review all the exhibits on file with CFPB including this latest exhibits A, B, C, D, E and F. This is URGENT! Because Select Portfolio Servicing has bad faith practice in improper payments and not applying my mortgage payments to the account also improper escrow/fees and improper lates fees charges. Therefore making my account be falsely delinquent when it is not the delinquent status as stated on mortgage statement. SPS has failed to monitor and apply my payments accurately, they are all over the place they do not know what they are doing. Because I continue to get different improper escrow analysis which is incorrect. Please Im asking the Court or CFPB to freeze this account with Select Portfolio Servicing because they are causing harm to me as the consumer by misleading and misrepresenting my mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account reporting on my XXXXredit score is " fraudulent '' and does not belong to me. I want this account " DELETED '' ASAP off of my credit score, or me and my attorney will take legal action.

Company response to consumer: Closed with explanation