BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: CITIBANK, N.A.
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the CITI account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( CITI XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: SYNCHRONY FINANCIAL
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OF 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 2021-12-23
Company: Experian Information Solutions Inc.
State: MD
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 recently reviewed my credit report and noticed some unauthorized accounts and inquiries. I since then contacted the company and was told what documents that needed to be provided to remove the unauthorized items. I have provided those documents but the accounts and some inquiries still persist. I am a XXXX veteran and I am trying to purchase my first home and would love this to go away fast.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is ignoring my requests to investigate, verify and remove accounts from my credit file that do not belong to 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 explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: MO
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:
I am a victim of identity theft please remove this fraud inquiry from my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan servicing raised my payment by XXXX telling me I have escrow shortage. My taxes are XXXX : {$5000.00} and XXXX {$5100.00}, so my taxes went down. No one -at the bank wants to explain everyone is saying I have shortage XXXX and it needs to be paid. I am looking at my county tax bill and it looks like taxes went up in XXXX but not by XXXX. I am XXXX and this is elderly abuse. They treated me like I am an XXXX when speaking with several individuals. I was talking to customer service she could not explain, so she referred me to escrow analysis department. The analyst was putting me on hold constantly and than he disconnected on me without saying a word about the situation and only mention " wait a second I have 2 bills here '' I have my tax bill available and escrow analysis from XXXX and XXXX, I actually I got refund of {$110.00} last year, so how is it possible to have shortage of XXXX almost 100 % of my tax amount? I called again and I was refused to speak with manager. They said someone will call back, they never do. Please find all the documentation attached, I was about to pay my mortgage on the XXXX when i discovered the issue, now I will be late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Made by your company XXXX on XXXX . 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Made by your company XXXX ( Bank ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling XXXXdentity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,

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 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX was a victim of identity theft, medical bills were placed into collection in his name. The debt involves XXXX XXXX. XXXX XXXX XXXX XXXX rights as a consumer are in direct violation of the Fair Credit Reporting Act because in XXXX and XXXX these collection items on his credit report were disputed and removed. Now the same debt is re appearing from a different collection agency. Being XXXX XXXX, 19 items are currently in dispute now, within the 30 day time frame for investigation. This is considered " outdated, negative information '' as it's been addressed previously and led to an extended 7 year fraud alert on his credit report. This is illegal, and unethical. The credit bureaus should be held accountable for these violations and illegal reporting practices. Both transunion and XXXX have been notified to send a copy of a current credit report with the initial dispute process in writing, this has not been done at this time. Disputes were initiated on XX/XX/XXXX 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Colony Brands, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked for the late payment to be removed. I was told it could not be remove because it is correct. 

In accordance with the Fair Crediting Report Act this creditor has violated my rights under 15USC 1681sec602 states I have the right to privacy 15USC 1681 sec 604A sec 2 also states a consumer reporting agency can not not furnish an account without my written instructions under 15USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plant as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2021-05-05
Company: Experian Information Solutions Inc.
State: GA
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 disputed a payment with experian with XXXX XXXX for a payment that was made for XX/XX/XXXX. I received my dispute results on XX/XX/XXXX, and Experian updated my credit with two new late payments from XX/XX/XXXX and XX/XX/XXXX that was never on my credit report for being late, nor was I ever notified about this even if this were the case. I've never let my account with XXXX go past 30 days and they should not be allowed to add late payments from 2 years ago to my credit now, because I decided to dispute an error. The people are XXXX  and I'm currently working on trying to get my bank statements from XXXX. Experian also updated my credit report that I made a XXXX payment and XXXX payment is not due until XX/XX/XXXX. XXXX is a scam are they are reporting inaccurate information. I can't even dispute it again because experian won't let me. This is unacceptable and I tried talking with a Rep and Supervisor from XXXX and got no where with this. I've also wrote to the attorney general and plan on taking legal action against this company.

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 2019-03-24
Company: CITIBANK, N.A.
State: IL
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:
Unknown merchant charged my XXXX card. I called XXXX twice and sent form once to XXXX about this. XXXX can not identify merchant. On first call they gave name and phone of a merchant but merchant did not recognize this charge ( and they are out of my state ( I am in Illinois, merchant called in Arizona ). 
Second call to XXXX - gave another merchant name but XXXX claimed they have no phone number of merchant. I wrote merchant but no response. 
I expect that XXXX should have full correct name, address and contact phone for all USA merchants. 

XXXX refuses to resolve dispute or credit my account unless they cancel the card and reissue. I do not want this due to many valid merchants have authority to charge existing account. I expect XXXX should resolve and contact merchant which they refused.

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: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My CD funds of {$19000.00} matured on XX/XX/2023. I called phone customer services three times to close the CD account and transfer the fund to my checking account. They kept transferring to different department and even hung up on me not to make me withdraw the balance. The bank website and customer services are terrible. They do their best not to close any accounts.

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2019-05-08
Company: Experian Information Solutions 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:
I was denied for credit I applied for. This prompted me to take a look at my credit. When I did, I noticed a lot of items that weren't familiar to me. These items are causing me a lot of issues ; personally and financially. I need these items removed from my credit for good so I can be able to get the things I need.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently submitted an application for a credit card with XXXX, which was unfortunately declined due to their adherence to the XX/XX/24 rule. According to this rule, I am purported to have opened five credit card accounts within the past five months. This, however, is not an accurate representation of my activities. 

XXXX communicated to me that my Transunion Credit Report indicated the presence of a credit card account with XXXX. While it is accurate that I maintain a XXXX XXXX XXXX account, I have never been consulted about or consented to the opening of a XXXX credit card associated with this account. 

Interestingly, the XXXX website highlights the availability of a credit card that does not necessitate a hard credit inquiry, stating : " No hard pull on your credit Your card is secured with the money youve saved with your Credit Builder Account Designed for building credit with responsible use '' It is my understanding that this credit card may already exist within their system and has been subsequently reported to the credit bureaus. I would like to stress that I have no interest in maintaining this card and wish to have it cancelled and its records expunged from the credit bureaus. 

Perusal of their FAQ provides the following information : " Cancel your XXXX XXXX Credit Card account by calling us at XXXX. Please note that once your card is closed, we will not be able to reopen that card account, though you may be able to open a new one in the future. '' In an attempt to rectify this situation, I have reached out to them five times via their provided contact number and sent multiple emails to XXXX. Regrettably, each time I have called, I have been informed that there is no available representative to assist me, and my emails have not garnered a response.

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 2023-10-04
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans serviced by XXXX XXXX were sold to Firstmark in 2022. 
XXXX XXXX had applied Servicemembers Civil Relief Act interest cap of 6 % to my loans based on me being a dependent of an XXXX XXXX servicemember. I am not the servicemember, but XXXX XXXX honors this for dependents. 
When loans were sold to Firstmark without my informed consent, Firstmark erased the SCRA status on my loans and raised my interest rates. They are variable, so now they are nearly double what they were last year. 
I've called multiple times to ask for my interests rates to be lowered based on the status of the loans when they were sold to Firstmark, but Firstmark has refused saying I don't meet the qualifications under SRCA. I agree. However, my original lender did apply this to my loans and it should not have changed when they were sold. 
This is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been an account holder with TD Bank/Target card services for over 1 year. They offer a service to pay your bill over the phone. I utilized the phone payment service in XXXX, and noticed that the payment had not been deducted within 1-2 business days, which was weird. I called them immediately and confirmed that my account and routing number was correct. A few more days I noticed the payment had not been deducted. I was told it would be deducted that Friday. However, the next day I received a notice from them regarding a returned payment that NEVER hit my bank account. I was sent to collections. I was told that I had to pay the entire amount before I anyone would discuss the oversight. I made the payment and have been calling several times. I was told that my account would be reaged and the late payment would be removed. To date, Target card services has done the contrary. Every time, I call theres a different excuse as to why they havent made the correction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or before XXXX XXXX, 2021, I applied for a personal loan. The lending company required that a certain amount of the loan be made for the purpose of the loan- credit card consolidation. When I checked my balance with XXXX of my Capital One card, it reflected a total balance of {$2700.00}, and I submitted the amount of the total balance on my statement {$2700.00}. The gave me a FALSE AND MISLEADING INFORMATION, on the XXXX of XXXX my total balance on my statement, was paid off in the amount mentioned. When I checked my statement after the XXXX and till XXXX, it reflected the amount of {$0.00} as my balance. On the XXXX it reflected an accrued interest and several fees amounting more than {$25.00}. HOW CAN I ACCRUE INTEREST AND FEES OF DIFFERENT TRANSACTION WHEN I PAID OFF MY WHOLE BALANCE???? So they did in fact mislead me and gave me false information. Very misleading and unethical bank practices if I might think so.

Company response to consumer: Closed with monetary relief