BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$130.00}.

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 non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Since Navient took over XXXX XXXX, I 've had MANY calls that would resolve with certain things being in place, only to find out later that week, month, or following weeks later, that the information I was given was not correct ( learned through yet another call ) and then I 'd have to pay back fee 's to get 'caught back up ' and then I can be helped. That cycle would repeat itself, for various duration 's depending on the previous outcome. Example, I wait a month or two to get a collection of money and pay all back up again. I got the last resolution to be the most stable. I paid off one loan in lump sum ( ouch ), got a flat rate reduced payment plan for 15 months, so long as I never pay late or incomplete. So I had to get into an auto-pay program. Things are ok now, but getting the run around for years and paying up front costs to get into different programs would only be 'good ' until the website said I owed hundreds more dollars that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: AZ
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 recently reviewed my Credit Report, I noticed there were accounts reporting to my credit that I did not open, when I started checking dates, I seen that the accounts were opened when I was on military leave. I wrote and called about my disputes and explained the situation, that the accounts are not mine and they need to remove them.

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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I Submitted to the CFPB Case # XXXX regarding my inability to obtain a free credit report from TransUnion. 

On XX/XX/2018 the Company responded and stated the following : In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. 

It is now XX/XX/2018, nearly 60 days later, and I still have not received my credit report from TransUnion. It was never sent to me. I never received the free credit report as promised.

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 2020-12-16
Company: Experian Information Solutions Inc.
State: MA
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:
Dear Credit Bureau / XXXX XXXX XXXX XXXX Account # XXXX Im still shocked that you continue to report this above auto loan account into my credit, and you failed to truthfully verify & investigate this account thoroughly. I just include a screenshot below that shows several inconsistencies, misleading, incomplete information on it. Its my understanding that the consumer laws clearly state that information on individual credit reports needs to be reported 100 % accurate and it needs to be 100 % verifiable. As you can see the information below, its not 100 % of either and its reporting misleading and incomplete information. Therefore, its impossible that you verified. Actually, XXXX deleted it immediately from my credit because of these several violations that I pointed out below and I demand that you DELETE it from my credit as well. Its causing this account to illegally re-aged, which is a violation under the provisions of FCRA, and therefore, it can not be reported on my credit report. For example, The HIGH CREDIT BALANCE is different between the 2 credit reporting agencies ; one reports {$9300.00}, and the other {$4300.00}. Its my understanding that the HIGH BALANCE on the charge-off account needs to be higher than the actual balance but not in this case and it needs to be reported. Again, this account is in violation of my consumer rights and it needs to be removed from my credit report. It unverifiable and its reporting incorrect, inaccurate, misleading, and incomplete information. Its completely inconsistent!

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 2023-04-17
Company: Affirm Holdings, Inc
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:
I purchased a dog bowl from XXXX XXXX and I used Affirm. It was 4 payments of {$36.00} each for a total charge of of {$140.00}. 

Trot Pets went out of business and never sent me the product. I provided all of this documentation to Affirm several times and they sent my account to a collection agency. I did not pay them because I never received the product. 

The 4 charges go affirm were done through my credit card company ( XXXX ) who also reversed my charges to Affirm because I never received my dog bowl because the company went out of business. 

I just received notification today that XXXX XXXX XXXX XXXX has finished their investigations and I am responsible. 

Again-I did not receive the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00}

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 non-monetary relief
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-01-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Complaintant : In Re : XXXX XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX XXXX, Ohio Probate Case No. XXXX USAA Account Checking : XXXX USAA Account Savings : XXXX My File Reference : XXXX I am the XXXX Co-Administrator, duly appointed and bonded. USAA holds funds belonging to the estate decedent, a consumer holding consumer accounts at USAA at the time of his death. On XX/XX/XXXX I sent that organization a certified letter directing it to surrender the checking and savings account funds in the name of XXXX XXXX XXXX, XXXX. USAA failed to even change the mailing address. The USAA organization is holding up the closing XXXX this XXXX, which was opened in XXXX, XXXX. A certified copy XXXX my letters XXXX authority were sent by certified mail, to which I received no reply. On the phone call to USAA, USAA demanded MY personal identifiers rather than accept the ESTATE 'S Federal EIN number prior to releasing any funds. This is unlawful, as the Estate is a person under the law, entitled to due process in the execution of contractual rights. The XXXX holds no title interest in the assets of these accounts, merely the right to collect and administrate these funds for the benefit of the Estate pursuant to his appointment powers. The Estate stands in the shoes of the deceased consumer, whose personal identifiers are a matter of record with USAA.

I request the release of funds in both accounts styled above using one complaint as this requested transaction is common to both accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX 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 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 2019-04-17
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
So I have submitted a Loss Mitigation request to complete a Short Sale on the home. I faxed in the application and all of the required documents that will go along with it. I even sent over the contract for the sale of the home. I got a call from Flagstar Bank asking me when I was going to make a payment and I asked if they received the application for the Short Sale, and I was told that they closed it because they thought it was an appeal. I sent this back on XX/XX/2019. I will attach the documents that I sent to them. I have people wanting to purchase this home to prevent a foreclosure. Now I am being told that they will need to start a new process to review my request for the Short Sale, now time is of the essence. I am doing everything that I need to do to resolve the issue with our mortgage, and if we loose the sellers, the house will go into foreclosure. I have given them the same request twice. 

All of the documents that I have to send to you has all of our information on them along with the buyers information. I can submit all of the documents to you per your request. 

So I need help and I need to know what can be done to get this Short Sale completed ASAP. This is a financial hardship, we have explained to them for a year now that I have not had an income. We are trying very hard to prevent a foreclosure on our credit because then we will have to file bankruptcy. 

Thank you in advance for your assistance.

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 2021-06-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : Caliber Home loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer Caliber transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with Caliber and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to Caliber for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that Caliber has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her law degree as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS.

Please help us, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found inaccuracies on my report. 

XXXX XXXX XXXX Account # - XXXX Date- - XX/XX/2020 If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2023-11-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I need help with Citibank closing my two credit cards within a week of each other. I think there has been a huge mistake, but it is impossible to talk to anyone at Citibank about it. 

I had two credit cards with Citibank - an XXXX XXXX and a XXXX. Both were enrolled in autopay. The autopay for the XXXX  was hooked up to my savings account. In XXXX, XXXX, and XXXX of this year the auto payments came back as returned. 

Citibank never sent me an email or letter in the mail about it, but they did alert me to a private message that said there was a problem with my savings accounts. When I would go into the website to read them an alert told me the system was down and to come back later. I didn't pay much attention to it since I knew I didnt have much money in that account and had forgotten that the savings account was sourcing the autopayment. 

( Some context around the oversight to the returned payments. My father died recently and with wrapping up his estate I have not been paying as close attention to my accounts. Also, I paid off both of these credit card accounts completely recently so they were the last things on my mind. ) After coming back on vacation my AAdvantage card was declined and I called Citibank and the associate told me it had been closed and that there was a message for me, but she couldn't read it to me. I had to be transferred to another department for that and they said because I had had three returned payments that it had been closed. Within a week the XXXX card was closed also even though I have not had any returned payments on that card! 

I called a second time after that card was closed and asked if they could be reviewed. Since then Citibank has sent me a letter postmarked XX/XX/23 stating that the AAdvantage card had been closed and another saying the same for the XXXX card postmarked XX/XX/23. 

On XX/XX/23 I received an email from Citibank stating " Youre one of our best customers, so were happy to announce that the revolving credit limit on your Citi XXXX Card has been increased... '' which made me think it was being reopened and further adding to the confusion. 

Then I received two letters a couple of days later postmarked XX/XX/23 stating that both accounts had been reviewed and weren't being reopened. I have tried talking to someone at a local branch but they refer me back to customer service. 

I am attaching copies of all the letters and emails Citi has sent me that are mentioned above. Thanks for your help!

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