BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, opened a new checking and saving account, in connection with a promotional offer where a {$300.00} opening account bonus was said to apply if a balance of {$15000.00} was deposited within 30 days and maintained for the next 60 days. The first condition was met on XX/XX/2021, and the second condition met on XX/XX/2021. Despite having met the requirements, the new account opening bonus has not been paid.

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 2023-06-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ask us to update our information in their system on XX/XX/XXXX, because we are an owner of the timeshare and they told us that the company has a new system. So since we did not accept our tablet last XX/XX/XXXX and the welcome package they sent us, they will contact the main office if they can reinstate the expired offer. They asked our ID and SSN to verify our account and ask us to sign that they authorize us to look at our account in the system but they never informed us that they will run our credit. I just found out because I have XXXX  XXXX  who monitors our credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: AL
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 called the creditors and Spoke with a agent and explained to her the law 15 U.S.C. 1666b ( Timing Of Payments ) and explained to her that I have not been getting my statements in the mail she waived my fees on my XXXX XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX  She waived the late payment fees but they did not remove the late payments from credit reports and it's hurting my credit tremendously! I have called the XXXX bank and disputed the late payments with XXXX, XXXX, Experian with the result of the late payments still showing on my credit report. Attached are my statements showing the waived fees and a copy of the FCRA Law 15 UC Code 1666 b.

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 2019-08-16
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 am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on 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 explanation
Consumer complaint received 2023-10-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I saw this offer from XXXX about used XXXXXXXX XXXX XXXX for {$750.00}, I negotiated with the seller to {$600.00} and he agreed to it, then we exchanged phone numbers so we could communicate easily. I structured 3 payments on XXXX from my chase bank, {$350.00} ( Transaction ID XXXX ) for him to send the phone, {$150.00} ( Transaction ID XXXX ) after he mailed the phone, and {$100.00} after I got it. He sent me a USPS tracking number XXXX and when I saw the status that the package hadn't been handed off, he told me to wait for the next day which was the first time I had my suspicion and the next day when I contacted him, I realized he blocked me. I tried to contact him ( XXXX ) XXXX with another phone number and he responded to me saying I was weird and I need to calm down, he sent me his ID and SSN, his name is XXXX, XXXX XXXX XXXX. I felt more relaxed after he gave me his ID but then he also blocked me on that number and when I tried to contact the number again, his number is gone and a new guy has that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am requesting your immediate involvement to assist in solving the problems that exist when my loan was assigned to servicer - LoanCare , LLC. I am a FIRST time home buyer in Michigan. I closed on my FHA loan in  XXXX  2017. My first payment on this mortgage was due   XXXX   XXXX  , 2017 in the amount of {$540.00}. I received a letter from   XXXX   XXXX   dated   XXXX   XXXX  , 2017 instructing me to make this payment directly to them ( see attached ). I received a letter on   XXXX   XXXX  , 2017 from LoanCare , LLC instructing me to make all further payments to LoanCare , LLC. I have adhered to both of these letters. The PROBLEM arose when I was contacted by LoanCare informing me that they are missing my   XXXX   2017 payment. I have explained to them in THREE different conversations that I was not instructed to pay my mortgage to them in  XXXX . At the present time, they reflect my account 30 days delinquent because they did not receive my   XXXX    payment. I paid the mortgage payment as instructed to   XXXX   XXXX  . Although I have provided evidence of this neither   XXXX   XXXX   nor LoanCare will correct the records and my credit is in jeopardy for erroneous information. I have been promised each time that someone will return my call, this includes escalations to management (  XXXX  between  XXXX - XXXX  ) no one is responding. This is extremely frustrating as a first time home buyer that I am the victim in this entire mismanagement of my account and no one seems to care. They ( LoanCare ) keep asking me for payments that were made according to documents received. My next payment is due   XXXX   XXXX   but I am being told I owe for   XX/XX/XXXX   by LoanCare because the payment I made to them fo r  XX/XX/XXXX  posted for  XX/XX/XXXX . I  have done everything in my power by providing proof of payments but I am getting no where.

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 2023-10-21
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Hello, I received a giftcard ( visa ) for {$100.00} from XXXX as a gift and the security code is missing and most of the card numbers are missing. Therefore, I cant use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CAINE & WEINER COMPANY, INC.
State: MO
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:
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2023-08-17
Company: EQUIFAX, 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: 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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXE XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans are with Navient. On XX/XX/XXXX I re-certified my XXXX application. I did not get a response until roughly XX/XX/XXXX. The response indicated that they were attempting to certify the application, but it has yet to be processed fully. At that time, I became somewhat suspicious that Navient was not handling my application properly. On XXXX XXXX I got a letter stating that my loan was being prepared to be fully designated for repayment. At that point I contacted Student Loans. gov. and my States ' Higher Education Department. I was then advised to speak with a Navient Student Loans manager directly. I did so on XX/XX/XXXX, and explained my issue and was told that they would review my complaint forthwith. In XX/XX/XXXX I received a letter indicating that my loan was about to be put in default and also reported to the credit bureaus. Shortly after I received an electronic letter from said manager with her decision in the matter. The electronic letter was encrypted, and I was not able to open it. I then contacted XXXX again to ask for this complainant to be escalated to the ombudsman. Still to this date I've not heard for ombudsman. In the meanwhile, I started getting collection calls from Navient. In XX/XX/XXXX I was contacted by Navient collection representee who informed me that my original application for XXXX was denied because I indicated that my income would change in the upcoming year XXXX. I disputed this and asked for documentation showing when/where this statement was made. The representative said she didn't have this information available, and she would investigate but in the interim I need to make my account 'current ' through temporary forbearance and then re-submission of IDR application. I asked why do I have to re-submit if you going to investigate? She stated that the investigation takes time and I need you to make the account current immediately through forbearance. Since this discussion I've become very suspicious that Navient dismissed my original application to reap more interest and steer me into un-necessary forbearances. The reason for my suspicion is validated by my discovery through SLG of my original application that made no mention of so - called " expectation of future year additional income. '' Furthermore. I've witnessed this tactic with Navient before and it now seems to be a pattern when applying for XXXX. Thank you for your consideration and please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: HW Holding, Inc
State: PA
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:
Over the last 2 years I have been dealing with the harassment of HUNTER WARFIELD , INC . The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. On XXXX XXXX  I initially asked HUNTER WARFIELD, INC to validate and delete the reporting from my consumer reports. I've asked for many things to provide me such as the Alleged Debtor, The Address of the Alleged Debtor, the date the alleged debtor became payable, proof that they are the current holder in due course, did HUNTER WARFIELD, INC Purchase the debt, what is the commission for the debt collector if the debt was collected. Many questions which they have not complied. I've also sent payment by promissory note, and money order to cancel the alleged debt XXXX XXXX XXXX has harassed me for. I'm afraid I will have to make more payments under duress. HUNTER WARFIELD, INC Purchased the debt from XXXX XXXX XXXX. At this point it has become completely stressful, and depressing trying to get this matter handle. Trying to track down the original creditor and they're Chief Financial Officer of XXXX XXXX XXXX. I have received many fraudulent unsigned mail from HUNTER WARFIELD , INC . According to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF XXXX XXXX PENNSYLVANIA, XXXX XXXX XXXX FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time you have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against HUNTER WARFIELD, INC and the other firms included in this Racketeering. I will take the next step to file a police report on harassment, invasion of privacy, defamation of character plus more. I have also sent disputes to XXXX, XXXX, and XXXX asking them to investigate this account and DELETE it as well. These companies have failed to verify they're method of verification and continuously send me computer generated responses with no signature or date on responding mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On   XX/XX/XXXX ,  I contacted the  XXXX  credit reporting agencies,  XXXX , Transunion, and  XXXX  to ask to remove only the dispute for  XXXX  acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once   XXXX   did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.

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 2023-10-21
Company: Support Collectors, Inc.
State: MO
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:
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation