BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/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 2022-07-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am filing a second complaint because I believe this is absurd and I have been treated so rude. On XXXX  XX/XX/XXXX after speaking to a chase representative on phone I was told to deposit funds while I was also waiting on my XXXX to hit my account XXXX XX/XX/XXXX. I was assured o could make a deposit to bring my account current after a check was given to me that I deposited and unbeknownst to keep it was not a good account or I never would have deposited. 
I deposited XXXX cash Thursday at local branch and then was waiting for XXXX to hit that I thought was going to be XXXX but ended up being XXXX. On Friday when I called it showed both cash deposit and my XXXX had been rejected due to trying to close my account. After I was told if I brought account positive my account would remain open. I then spent over XXXX min Friday at local branch. My plan was to deposit more money. The manager XXXX was so kind he said no notes had been noted and he agreed my cash deposit and XXXX should have posted towards balance. I wanted yo deposit more money to bring account current but he advised me not to till we found why my other funds had been rejected and of course being a XXXX  weekend nothing would happen till XXXX XXXX. Of course I tried to go make a deposit after work and to be sure all was good with account but by the time I got out of work and to bank they were closed o thought XXXX not XXXX. Anyway my point is I feel I have been treated incredibly rude during this situation with exception of local branch manager. I do not feel this is my fault at all and have been a customer for XXXX XXXX years even a XXXX XXXX. We never would treat anyone like this. I would appreciate honoring what I was told and my account ending in XXXX remain open. I have XXXX  accounts and pretty much everything else tied to this account and treated very unkind during something that was not even my error. You are supposed to protect your customers not treat them like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$8900.00}, XXXX XXXX XXXXI Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, 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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  XXXX Balance {$0.00} ; Chargeoff XXXX XXXX XXXX XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXXI XXXX XXXX {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$3300.00} ; XXXX XXXX XXXX {$7500.00} ; Collection XXXX XXXX  XXXX Balance {$140.00} ; XXXX XXXX XXXX Balance {$78.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My husband passed away suddenly without a will and no named beneficiary of the {$940.00} on his bank account. However during his illness he called the Regions bank customer service with me on the telephone and stated that he authorized me to pay his bills from his bank account. The CSR asked for me to be put on the phone to give my name and social security number which I gave. He then said that it was on the Regions banks system. I paid some of the bills from the online account that I setup, but within three weeks my husband died. Now the bank has frozen the funds. I wrote letters to the branch and head quarters about having the funds sent to me to help pay for my husbands burial. I received a message online from the bank stating that I should go to the branch with my husbands account to personally to discuss the matter. I went to the branch where my husband had his account and I told the one of the branch employees why I was at there. From the start his manner was discourteous and dismissive. He never even offered the customary courtesy of condolence for a customer who banked there for several years. Instead he quickly pushed back the copies of the death certificate and letters I wrote to the bank with a smirk and told me that there was no record of the telephone conversation on the bank 's system. He also added that my husband should have put his authorization request in writing. I told him that the Regions CSR did not tell us to put the request in writing and of course my husband and I did not know that his death would be sudden. Again the bank employee ignored what I told him about my authorization to pay from funds in my husband 's account. At that point he left briefly and came back to the office where I was sitting and laughingly told me to go to probate court for authorization and then come back to the bank. The account in question has {$940.00}. I am on a fixed SS income with new debt to bury my husband. Plus, I can not afford to hire a probate attorney at {$500.00} - {$1000.00}. I believe this situation could have been avoided had the CSR conveyed to us that the bank needed to have the authorization request in writing. Therefore, the bank should not withhold the funds due to the error on the part of their employee.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: NY
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 XXXX account # XXXX and # XXXX. Has violated my rights. 

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

15 U.S.C 1681 Section 602 A. Section 2 : states that a consumer reporting agency can not furnish an account without my written instruction.

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 2021-07-23
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
status of any debt. All of the account statements that was sent to me in a positive balance was very deceptive in me thinking that I had a positive account balance every month not an alleged debt. The civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692c- I did not give any prior consent to communicate to me about the collection of any debt. Communication is reporting any information to my credit file that suggest I owe an alleged debt. That is a direct violation and civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692d- A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I am being harassed by having this alleged debt on my credit file and its damaging my reputation. You are purposely trying to oppress and abuse me with the collection of this alleged debt. The civil liability for this violation is {$1000.00}.

Pursuant to 15 USC 1692g- The validation of debt that was provided to me in past
account statements is incorrect. If this alleged debt was created from my open end credit plan my credit card which is my social security on the credit application then I would be the original creditor. If I am the original creditor to myself, how could I be in debt to myself? 15 USC 1602- Truth In Lending- tells me that my social security card is a credit card. Its not just a credit card but an open ended credit card. If I am the one who initiated the alleged debt and was given credit that I originally extended then how could I be forced to pay it back. Can you provide me any documents where I signed a Loan Application which would show that any money was actually given to me? If a Credit Application was signed then that is two completely different things and should be handled differently. I am the original creditor and I can not be in debt with myself. The civil liability for this violation is {$1000.00}.

I am a federally protected consumer and my rights are being violated. I am being abused and mistreated and my intelligence is being insulted with this alleged debt that you are sayin I owe. I demand that the account be deleted from your system and zeroed out in balance and any liability be taken away from me. I demand that any reporting of this account be deleted from any credit reporting agency system. I demand that any payments that was received on this account be mailed to me via check to my address. I demand
that I am paid {$7000.00} for the violations that was committed against me violating my consumer rights. I have been more than reasonable trying to get this issue handled for many month using communication through the CFBP and the FTC and I have a long paper trail. I refuse to keep being abused and taken advantage of. If my demands are not met then I will escalate my issue and seek further remedies! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I had fraudulent charges on a XXXX  credit card that I disputed with XXXX and they verbally agreed to reverse and then I closed the account because I had been trying to close unused cards I'd opened in the past in general, which they verbally said was no big deal. We had already paid for the charges with our autopay and so we also initiated a reverse of the charge from our banks side. 

Despite the verbal assurance from XXXX that the fraudulent charges were reversed, that wasn't true and I found out later that the autopay reversal we initiated triggered something internally for them. 

This is all over {$92.00}. Which I ended up paying, even though they are fraudulent, just because I have XXXX young kids and don't have the bandwidth to track something like this. 

Fast forward a few weeks and we are buying a new car and I get denied for one of the lenders because of {$92.00} THAT I ALREADY PAID EVEN THOUGH IT WAS FRAUDULENT. 

And I'm here now submitting this complaint because I disputed with all 3 credit agencies and my disputes have been denied. 

I paid the {$92.00}!!! And now my score is sub-XXXX for the first time since college probably for this stupidity. 

I will take XXXX to court if I can because this incenses me.

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 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : XXXX XXXX XXXX XXXX I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : BANK OF AMERICA I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY

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 2021-09-17
Company: Experian Information Solutions Inc.
State: VA
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 did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of 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 2021-09-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to payoff my existing mortgage with Community Loan servicing. On the payout form they have charged an additional four and three eighths percent or {$980.00} to my principle balance. this represents a full years interest on the existing loan. There is no explanation " includes 2nd UPB ( {$0.00} ) and " interest at 4.375 %. Can they do this? Have I any recourse? Thank you in advance for any advice you can offer. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I had fraudulent charges on a XXXX  credit card that I disputed with XXXX and they verbally agreed to reverse and then I closed the account because I had been trying to close unused cards I'd opened in the past in general, which they verbally said was no big deal. We had already paid for the charges with our autopay and so we also initiated a reverse of the charge from our banks side. 

Despite the verbal assurance from XXXX that the fraudulent charges were reversed, that wasn't true and I found out later that the autopay reversal we initiated triggered something internally for them. 

This is all over {$92.00}. Which I ended up paying, even though they are fraudulent, just because I have XXXX young kids and don't have the bandwidth to track something like this. 

Fast forward a few weeks and we are buying a new car and I get denied for one of the lenders because of {$92.00} THAT I ALREADY PAID EVEN THOUGH IT WAS FRAUDULENT. 

And I'm here now submitting this complaint because I disputed with all 3 credit agencies and my disputes have been denied. 

I paid the {$92.00}!!! And now my score is sub-XXXX for the first time since college probably for this stupidity. 

I will take XXXX to court if I can because this incenses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: SC
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:
my name is XXXX XXXX XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me. please delete those errors immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation