BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I want these address removed from my Transunion, XXXX, and XXXX credit reports immediately. 15.U.S.C-1602 unauthorized use. According to the FCRA, these unidentified and unauthorized items must be removed. 

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 I would like to keep this personal information only 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 2020-12-18
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Over one year ago on XX/XX/2019 I purchased a flight from a travel agency for a very specific flight from XXXX, AZ to XXXX, XXXX. Upon receiving my flight I looked in the terms and conditions of XXXX.XXXX  which explicitly states I am not obligated to purchase flights not agreed upon. Well 16 hours later I got a flight confirmation for a ticketed flight not agreed and paid for. I filed a dispute with Citi Bank as they were the ones I purchased the flight with. I also called the travel agency and was rest assured since I called 24 hours before hand that I was eligible for a refund after completing a form and receiving future email correspondence. Well that never happened, I never received my and proceeded with my credit dispute. The charge was reversed and Citi found me of no wrongdoing for 6 months. Then in XXXX, even after Citi finding me of no wrongdoing, reversed the charge, a {$1000.00} charge and blamed me for the transaction. Their reasoning was " they couldn't get the travel agencies bank to comply with the reversal ''. So now, 30 days before losing my job from Covid, Citi refused to help me. They wouldn't even defer late fees or interest because the charge happened before Covid became a pandemic. So now its XXXX, Citi is ready to settle and we settle for basically the amount due minus the late fees, interest, and payments already made upon a very clear condition ; I tell them I want the late fees reversed or the account deleted from my credit. The settlement manager from Citi agrees. But now I'm finding out their reporting my account as 'settled for less than amount due ' which made my credit even worse. I've asked them to review the recorded phone call multiple times, I even have a copy of the settlement phone call I made myself. Every dispute I've made with the credit bureaus I get a letter from Citi stating they can not find the account nor the information requested from the credit bureaus even though I can find this information in less than 5 minutes on my account, including a letter from Citi that explicitly states the account is to be deleted. Citi is ruining my credit, they are making it impossible to move on with my life and purchase a home or obtain an auto loan. For what? I've paid them what they asked and they can't nor have ever decided to help me. I'm sick of this

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 2023-01-13
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing has lost one of my mortgage payments and will not provide a solution to the problem. On XX/XX/2022 I sent {$1500.00} to XXXX XXXX XXXX. This was the initial payment on our mortgage. XXXX XXXX XXXX then sold the loan to Specialized Loan Servicing and this {$1500.00} payment was sent to them in order to be applied for our XXXX payment. Specialized Loan Servicing is saying that they have not received this payment and as of today XX/XX/2022 it has not been applied to my account. XXXX XXXX XXXX has confirmed multiple times that this payment was submitted to Specialized Loan Servicing via ACH. XXXX XXXX XXXX sent the ACH confirmation to Specialized Loan Servicing on XX/XX/2022 and resent it again on XX/XX/2022. I have also sent Specialized Loan Servicing my bank statements as proof of all payments being taken from my account. Since they have not applied the initial payment I had to make an additional payment for XXXX in order to avoid any late fees. I have paid Specialized Loan Servicing directly for XXXX, XXXX, and XXXX. Those three payments have all been applied to my account, but the initial payment made to XXXX XXXX XXXX still has not. I have called multiple times and I have even authorized XXXX XXXX XXXX to call on my behalf which they have. We can not get any resolution to this problem. Every time they tell us it's being escalated but nothing happens. There have been multiple cases opened with them and they all get closed with no resolution and no real answers. This has been going on for over 3 months and I can no longer waste my time on the phone with them to get nowhere.

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 2022-07-06
Company: Social Finance, Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The Sofi Money Checking & Savings account are frozen and were done so without notice. I contacted Sofi on XXXX.2022 via telephone which resulted in being transferred twice, ultimately ending up at a voicemail box of the security department with no resolution of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2021-08-22
Company: Experian Information Solutions Inc.
State: PA
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 finally looked into my credit and saw a collections from XXXX XXXX XXXX XXXX  Which is fraudulent and erroneous because I've never contracted with that company ever. 

Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e 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 in ( 5 ), 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. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of

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 2020-12-17
Company: Experian Information Solutions Inc.
State: NV
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 have several information that is on my credit on my credit report that I don't recognize, nor does it belong to me. Additionally, there are addresses I have never lived nor did I authorize any of these companies to run my credit. Please delete the following information as I have rights according to the fair credit reporting act. This is now the second request. Note that I am not a credit repair company nor a mortgage company either. I just want to live peacefully. Thank you very much.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-09-05
Company: EQUIFAX, INC.
State: NJ
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2020-12-18
Company: ALLY FINANCIAL INC.
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, ALLY FINANCIAL, INC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate AccounXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

13. Validate Account US DEPT ED Account Number : 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Card was applied for and open in late XXXX after going through some verification steps. I had to email documents ( copy of SS Card, Driver 's License, Bank Statement ) and go through some verification over phone. All docs sent were what the agent told me to send. Card came in the mail, it was activated however card is unable to be used. Online phone system says " card was closed '' and agent on phone said " card was closed ''. I need an explanation as to why they said card was approved and then subsequently closed on same day? This has adverse effects on my credit as now I already took the hard credit inquiry and now you will put an account on my credit report in bad standing/ only open for one day which will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: JTM Capital Management, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
" XXXX XXXX '' from XXXX XXXX XXXX left a voicemail on my phone on XX/XX/19 at XXXX XXXX  MST stating, " Yes, Hi. This message is only intended for ( my name ) with the last 4 of your social on this docket here ( xxxx ). This is XXXX XXXX with XXXX XXXX XXXX XXXX. We had a court docket delivery, it was a failed attempt today at ( my address ). You obviously have got to reschedule the summons. Contact your petitioning party directly to do so. The phone provided is XXXX. I would advise you to review the charges and allegations prior to signing. ( my name ), you have been notified. '' I do have the voicemail from this company saved on my phone if you would like a copy. 
He then proceeded to call my husband and informed him that he ( XXXX ) had issued a warrant for my arrest and was having me arrested and jailed for 3-5 years for check fraud. He got upset when my husband questioned who he was, where he was calling from, and what he wanted and hung up on him. 
I called the number back left in my voicemail and spoke with a XXXX XXXX who gave me the runaround for a bit but finally gave me the correct info on who the debt was for and the amount. I made arrangements to pay with a credit card the next day. I spent over an hour calling the original company ( XXXX  XXXX  ), the company they sold it to ( JTM Capital Management, that doesn't do payment processing ), the company they outsourced the payment processing to ( XXXX  XXXX  XXXX, who then outsourced it to XXXX for payment collection ), and was eventually transferred back to XXXX again to make sure this was a legitimate company because they were so unprofessional on the phone. 
When I called back the next day, as soon as my payment processed, XXXX gave me a confirmation number. I got halfway through asking for a receipt, and he hung up on me. The document they sent to my email is very unprofessional, something anyone could create on a home PC, with the required legal jargon photocopied on it. I emailed back asking for an actual receipt and have received no response. 
I also spoke with a man named XXXX and a woman named XXXX from this same company. At no point did anyone with this company ever identify themselves as a debt collector or go through the required script for FDCPA. This company is extremely shady and should be shut down immediately. They also have not reported to the original company that they have received my payment ; the account is still showing as owed the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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  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 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 XXXX 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. 

XXXX XXXX is reporting inaccurate information on my Transunion and XXXX reports.

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 2020-12-18
Company: Experian Information Solutions 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2022-03-09
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, I disputed a XXXX charge for {$340.00}. On XXXX, I received a letter from Discover saying they found in my favor. Then on XXXX they changed their mind after I submitted proof of return with a receipt. Discover claims I never contacted XXXX about any of this. I have emails dated XX/XX/2021 about receiving the wrong merchandise, I have a time date XXXX receipt for XXXX at XXXX, I have XXXX phone records. My question is do I need to sue Discover or XXXX or both to get my money back? I want to subpoena the store security video on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: SC
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief